vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Subject : Complaint Against Capital One Unjustified Closure of Credit Card Account Ending in XXXX I am submitting this complaint to request regulatory review of the actions taken by Capital One regarding the closure of my credit card account ending in XXXX. Capital One contacted me requesting identity verification. In full cooperation and in good faith, I promptly provided all requested documentation, including : A copy of my drivers license A copy of my passport A copy of my Real ID Copies of my bank statements for the past two months These documents clearly confirmed my identity and my compliance with their verification request. Despite providing all requested documentation and fully cooperating with the verification process, Capital One closed my account without providing any explanation or justification. I did not receive advance notice of the closure or any meaningful opportunity to address any alleged concern. My account history has always been in good standing. I have never missed a payment, have never reported fraudulent transactions, and the account currently carries a zero balance. Closing an account under these circumstancesafter a customer fully complies with identity verification requests and without providing a clear reasonraises serious concerns about fair treatment, transparency, and potential harm to my credit profile and financial reputation. I respectfully request that regulators review this matter and require Capital One to : 1. Provide a written explanation for the closure of my account. 2. Confirm that this closure will not negatively impact my credit report or creditworthiness. 3. Review whether Capital One followed appropriate consumer protection and banking compliance procedures when closing my account. 4. Consider reinstating my account if no legitimate justification exists for the closure. As a consumer who acted in good faith and complied with all requests from the financial institution, I believe this action was unjustified and warrants regulatory attention. Thank you for reviewing my complaint and ensuring fair treatment for consumers. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
This collection account from Vance & Huffman ( Original Creditor : Balance Credit Account XXXX {$1800.00} ) appeared on my credit report without me ever receiving the required written notice of the debt. I never received any validation notice, collection letter, or communication before this account was reported to the credit bureaus. After discovering the account, I requested proper debt validation multiple times, at least three to four separate requests, and I still have not received any documentation validating this debt. At this point it has been well over 90 days since my initial request. Because of the lack of response and the continued reporting of this collection account, I have filed complaints with the Federal Trade Commission and my State Attorney General regarding this matter. I have also consulted with an attorney regarding the companys failure to provide validation after repeated requests. Based on my research and the companys pattern of responses, it appears the company may claim that something was mailed. However, I have not received any validation documentation, and simply stating that something was mailed is not proof that proper validation exists. If Vance & Huffman truly has validation of this alleged debt, then they should attach the documentation directly to the CFPB complaint response so it can be reviewed. To date, no documentation has been provided despite multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
On XX/XX/XXXX, I cancelled my home internet service with the telecommunications provider and returned the equipment in person to a retail store. The store issued a receipt confirming the return and provided a PIN/reference number associated with the cancellation. On the same day I contacted customer service to confirm the cancellation and was told that everything was in order and that no confirmation email would be sent. After receiving another bill, I contacted the company again on XX/XX/XXXX and discovered that the account was still active. I provided the PIN from the store receipt and requested that the account be closed permanently. The representative assured me that the account had been closed and that there would be no further charges. However, billing continued. When I contacted the company again several days later, another representative stated that the account was still active and that there was an outstanding balance. I was told that because there was no tracking number for the equipment return, the balance would need to be paid. This explanation is incorrect because the equipment was returned directly to the retail store and not shipped. A supervisor later told me that if I wanted to avoid trouble I should simply pay approximately {$140.00} because it would be cheaper than hiring an attorney. The account has now been marked as cancelled, yet a XX/XX/XXXX bill shows a balance of {$190.00} and the account was referred to a collection agency. It appears that the cancellation request made on XX/XX/XXXX was never properly processed in the companys billing system. As a result, the account remained incorrectly active and additional charges and late fees were generated even though the service had already been cancelled and the equipment returned. I dispute this debt in its entirety and request that the incorrect charges be removed and the account be recalled from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I am filing this complaint regarding a private student loan issued for attendance at XXXX XXXX ( XXXX, Ohio ), which has since permanently closed and no longer maintains any academic records. The U.S. Department of Education approved my Borrower Defense to Repayment claim under the XXXX v. XXXX settlement on XX/XX/year>, and discharged my associated federal student loans after determining that the school engaged in misconduct. I requested a comparable review of my private student loan. XXXX ( servicing on behalf of Navient ) denied the request. After submitting supplemental documentation, including the federal discharge approval, my escalation was closed as a duplicate request without substantive review. The credential funded by this private loan can not be independently verified due to the schools closure and lack of records. At least one employer was unable to verify my education. Additionally, I have been unable to refinance this loan because the school can not be validated through standard verification processes. Navient continues to enforce repayment of this loan despite : Federal findings of school misconduct Permanent unavailability of academic records Ongoing inability to verify or rely upon the credential Closure of supplemental review without addressing new documentation I am requesting regulatory review of Navients handling of this dispute and clarification regarding enforcement of private loans tied to institutions that have been determined by the Department of Education to have engaged in misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/year> around XXXX XXXX I had to wait XXXX minutes to reach a live operator to report a fraud alert that I had received allegedly from the Bank of America. I have reported long waits in the past with this company to you and they continue even with a high priority call such as this alleging fraud on my account. The customer is always told by a recording that " due to heavy call volume '' extended waits are expected regardless of the day and date of the phone call. What poor customer service!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
The collection account Nationwide Credit & Collection Account XXXX {$1200.00} appeared on my credit report without me ever receiving a written notice or validation letter prior to it being reported. I have no knowledge of this alleged debt and have absolutely no documentation explaining what this account is for. Under the Fair Debt Collection Practices Act ( FDCPA 1692g ), a consumer must receive written notice of the debt and has the right to request validation. I requested proper debt validation well over XXXX days ago, yet Nationwide Credit & Collection has failed to provide the documentation required to verify the alleged debt. Proper validation of a debt requires documentation such as the original creditor name, the original signed agreement or contract, a complete payment history, an itemized breakdown of the balance, proof of assignment or authority to collect the debt, and documentation confirming the debt belongs to me. None of this has been provided. If Nationwide Credit & Collection claims they sent validation, they should be able to provide the documentation showing when and how it was sent. To date, I have not received any such information. Reporting a collection account without proper validation and without providing notice raises serious concerns regarding compliance with the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX $ XXXX deposited onto a Cash App card XX/XX/XXXX XXXX was also deposited I was told that my taxes were being taken by XXXX XXXX for car accident but wasnt they were fraudulent stolen Ive been trying to get them back since I found out where they went to but I have had no luck they told me to make a Cash App to get the money back but I never recieved Additional information provided by consumer : XXXX Consumer needs the company to be Cashapp. She put her email as the company accidentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We have a mortgage with the company, XXXX months ago, my sister as a primary borrower applied a forbearance and eventually approved, she paid on time for the agreed amount. The forbearance was not yet due, unfortunately the mortgage company reported the mortgage in default which causing our XXXX XXXX drop significantly, we both lose XXXX plus on our XXXX XXXX. Before the due date of forbearance, we settled all the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage was notified by XXXX XXXX, alabama XXXX XXXX XXXX to remove my property taxes starting XX/XX/year>, because I am a 100 % XXXX veteran, but they have been giving me the run around and not removing any property taxes just raising my payment over {$70.00} a month, which is fraud, i have been talking to them XXXX XX/XX/year>2026 but every agent i talked to have done nothing, but lied to me. they have been saying that they have to do another assessment and send it to the mortgage department and it takes XXXX days, but when i contact the mortgage department they say the property tax people have done nothing! i have talked with an agent named XXXX, agent named XXXX, an agent named XXXX since XX/XX/year>2026 and have no results but higher payments I even found out and told them my homeowners insurance dropped over XXXX a month, but they keep blowing me off, I don't know how this company became to get my mortgage, which was previously handled through XXXX XXXX, but this company is full of fraudulent individuals. and need to be locked 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 2026-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: NV

Complaint narrative:
On XX/XX/XXXX, myself and my partner moved out of The XX/XX/XXXXin XXXX XXXX, NV. XX/XX/XXXX days later, a balance they claimed we owed after serving us a quit or leave notice, was sold to XXXX XXXX XXXX. I was only sent XXXX letter from XXXX XXXX XXXX on XX/XX/XXXX showing me they owned my debt and nothing from the apartments saying I could even pay the debt in XX/XX/XXXXdays before being sold to a debt collector. The XXXX sold the debt onlyXX/XX/XXXX days after we moved and didnt give us a chance to pay before selling it even though we opted to quit on the notice they served us. I have disputed this XX/XX/XXXX times now with the most recently completed XXXX being XX/XX/XXXX and XXXX came back and said it was accurate. I have disputed it again and XX/XX/XXXXtold me to file a complaint. This debt has also been rising a few dollars each month and I have still only received the first letter from XX/XX/XXXX with a different amount than whats showing and it didnt say anything about the balance changing/lowering or raising or accruing any interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
Capital One keeps lowering my credit report and harassing me with phone calls on a debt that I told them was not mine it was identity theft and I reported it and I wanted proof that it was me and they could not provide proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX prepared taxes via XXXXXXXX XXXX XXXX signed up at the start for the {$59.00} tax form. However, on completion my son in law who was helping noticed we were charged extra for professional assistant a service we did not receive. At checkout we were charged {$130.00} an extra {$79.00} for a service not received. He immediately requested a refund on-line but 40 minutes later received email to my email at my office at XXXX XXXX XXXX stating refund was denied claim # XXXX. When I contacted XXXX XXXX XXXX the claimed they had no email, claim number, name or phone number affiliated with this email and I have used this same service for years. I told them they definitely had my email because they sent the denial with claim number to XXXX. I disputed with truist bank in XXXX, fl case # XXXX and sent all documentation to their 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 monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Ability Recovery Services, LLC
State: MO

Complaint narrative:
I contacted Ability Recovery Services in XXXX of 2025. I asked for a letter of validation which they did NOT send. I called back to ask for it again a month later and was told they had sent it. I asked what address they sent it to and the lady could not tell me. The account states I had a DRs appointment in XXXX that I didnt pay. I did not go to any DRs office during the months before or after. I asked for a validation letter showing what the bill was for. They are inaccurately reporting a start date, and refusing to send a validation letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Klarna AB
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX charged me for a fitness and diet program on XX/XX/XXXX XXXX ( reference number ) Klarna was the finance company involved that will not give me a refund. I made the request on XX/XX/XXXX XXXX ( order reference number ) XXXX ( payment reference number ) I will include a copy of the transcript from the sales call and the deceptive practices used in the attachment section. I hope you can help me in this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: IL

Complaint narrative:
In the last quarter of 2025 I have opened a Chase card account as a result of solicitation sent to me. I have met the spend of {$3000.00} and as of today I have not received the benefits and promotion as qualified by the card. In XXXX I have received the letter from Chase stating the the miles were not transferred to my account XXXX since the bank contacted XXXX XXXX and they have been informed that the account doesn't belong to me. I have contacted Chase and provided the info however the miles were still not transferred. The XXXX told me that they confirmed the number as valid to Chase and the Chase is the entity that doesn't want to transfer the miles. I also would like the bank to pull the call and verify that the number was provided to it when I attempted to address the issue. Apparently the Chase Bank XXXX based staff is deliberately sabotaging the company by not providing the customer service. The MO here is to get customers repeatedly involved into n open ended administrated process while the bank refused to provide an account that's valid and confirmed. At worst the bank is not interested in transferring the earned benefit and at best it shows that bank 's internal quality control process is simply not existent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I am filing a complaint regarding the servicing of my mortgage loan by Rocket Mortgage. My mortgage note provides a 15-day grace period for monthly payments. Under the terms of the loan agreement, a late fee may only be assessed if the lender does not receive the full monthly payment within 15 calendar days after the due date. The most recent mortgage payment was due XX/XX/year>. I made this payment on XX/XX/year>, which is well within the contractual grace period of the XXXX through the XXXX of the month. Despite this, Rocket Mortgage servicing is attempting to assess and collect a {$25.00} late fee on this payment. Because the payment was made within the grace period defined in the mortgage note, it is not late and a late fee should not be charged. Attempting to charge a late fee under these circumstances appears to be a servicing error and a violation of the terms of the mortgage agreement. It also raises concerns regarding compliance with federal mortgage servicing requirements under the Real Estate Settlement Procedures Act and Regulation X, which require mortgage servicers to properly apply payments and maintain accurate servicing records. I am submitting this complaint through the Consumer Financial Protection Bureau because mortgage servicers should not attempt to collect fees that are explicitly prohibited by the terms of the loan contract. If this matter is not resolved promptly, I will consider pursuing additional remedies, including consultation with legal counsel regarding improper servicing and potential breach of contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XX/XX/year>, a charge for {$170.00} appeared on my Best Buy / Citibank credit card for a XXXX XXXX protection plan renewal that I did not authorize. The computer associated with this plan was not mine ; it belonged to my father, and while I had previously helped with the purchase, I never agreed to an annual renewal of a XXXX XXXX protection plan on my credit card. After the charge posted to my statement, I contacted customer service to dispute it. I was transferred multiple times but was ultimately told that the account was noted and that the charge would be reversed. That reversal never occurred. Instead, Citibank continued to add finance charges and late fees to the disputed amount. The balance grew significantly and was eventually placed with XXXX XXXX XXXX XXXX, a debt collector stating that it is attempting to collect a debt owed to Citibank. I have now been told that my dispute does not count because it occurred after the charge posted. However, the charge was disputed as soon as I became aware of it, and I did not authorize the renewal of this XXXX XXXX protection plan. Because Citibank failed to resolve this dispute properly, the balance has grown from {$170.00} to approximately {$440.00} and has severely damaged my credit in only a few months.

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