vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I submitted XXXX name change requests with supporting documentation to Chase. The name on my credit card was updated but not the name on the account. I tried calling customer service about this and was told to submit the form again which I did. This did not help. Now I can not make any payments on the account. Chase is saying that my bank is returning the payments. My bank is saying there is no record of any payments being attempted or returned. My husband 's payments have been rejected as well. I haven't gotten anywhere with customer service. I have received late fees and penalties due to my payments being rejected. The card however is still usable and no one from the fraud department has contacted me. I am actively being charged interest and fees on a balance I can't pay on. The only way I have been able to pay the balance is by doing balance transfers to another account but there are fees associated with this. I have been a customer for XXXX years and have never been late on a payment and always pay off my balance. I have been attempting to update the name on the account for XXXX years. Payments started to get returned in XX/XX/year>. I received my first late fee due to this issue in XX/XX/year>. I would like to not have to close the account but I won't have a choice if I can't get the issue resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
[ Your Full Name ] [ Your Address ] [ City, State ZIP Code ] [ Date ] [ Debt Collector Name ] [ Debt Collector Address ] [ City, State ZIP Code ] RE : Formal Request for Debt Validation Account Number : [ Insert Account Number ] To Whom It May Concern : I am in receipt of your communication regarding the alleged debt referenced above. This letter serves as my formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this alleged debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay. Please provide the following documentation and information : The name and address of the original creditor The complete account number associated with the alleged debt The amount of the alleged debt, including an itemization of all interest, fees, and charges Copies of any signed contracts, applications, agreements, or instruments bearing my signature Copies of any statements or payment history showing the amount claimed is accurate Proof that your company is legally authorized to collect in my state Proof that your company currently owns or has been assigned the debt The date of the alleged default and date of last payment A copy of any judgment, if applicable Be advised that reporting information to any credit reporting agency without first providing proper validation may constitute a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Until you provide the requested validation, you must cease all collection activity, including telephone calls, letters, and credit reporting related to this account. If you can not provide the requested documentation, I demand that this account be deleted from all consumer reporting agencies and that no further contact be made with me regarding this matter. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I request all future communications be made in writing only. Sincerely, [ Your Signature ] [ Your Printed Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting a complaint regarding an unresolved {$6000.00} balance transfer payment that has not been credited to my XXXX credit card account. On or about XX/XX/year> XXXX XXXX initiated a {$6000.00} balance transfer payment from my XXXX XXXX credit card account to my XXXX credit card account using my valid account number. XXXX XXXX has confirmed that the transfer was successfully completed and that Wells Fargo Bank received the funds and cash it. However, my XXXX credit card account has not been credited for this payment, and XXXX has confirmed that the {$6000.00} payment is not reflected in my account. I have also been informed that Wells Fargo received the funds but has refused to provide any payment disposition or trace information, stating that I am not a Wells Fargo customer. As a result, there is a confirmed completed transfer with no corresponding credit to the intended account, and no institution has provided a disposition of the funds. This appears to be a payment posting or account conversion issue involving a migrated credit card account previously serviced by Wells Fargo and now managed under XXXX. I am requesting : A full interbank payment trace and disposition of the {$6000.00} transfer Identification of the account or ledger where the funds were posted, held, or applied Immediate credit of the funds to my active XXXX credit card account or correction of the misapplied payment I am not alleging intentional fraud. However, the receiving bank acknowledges receipt of funds, and the issuing bank confirms the funds were sent, yet the funds are not reflected in the intended account. This issue has not been resolved through standard customer service channels, and escalation attempts have not resulted in a callback or substantive investigation.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY

Complaint narrative:
I have called TD Bank approximately XXXX times attempting to unlock my account. Each time, I am told they can not authorize the unlock because my XXXX number is a XXXX XXXX XXXX XXXX ) number and they can not send the verification SMS to it. I have asked them to send the code to my XXXX number instead, and they have refused. When I ask to speak with a supervisor, the supervisor tells me to visit a branch in person. When I call the branch directly, they tell me to call customer service. I am being sent in circles with no resolution. I currently have approximately {$2000.00} USD in this account. I live in XXXX, and traveling to the nearest TD Bank branch would cost more than the balance in my account making in-person verification economically impossible. TD Bank is effectively denying me access to my own funds by refusing to offer any alternative verification method beyond SMS to a XXXX number, despite me having a valid Colombian phone number available. I am requesting that TD Bank provide an alternative verification method that does not require physical presence or a XXXXbased phone number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
Account number XXXX with XXXX XXXX with a balance of {$5100.00}. I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account number XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am requesting the immediate closure of my XXXX account and the release of my funds in the amount of {$15000.00}. Since XX/XX/year>, I have contacted XXXX by phone multiple times per day regarding the closure of this account and the transfer of my funds. Each time, I have been informed that the transfer was denied for security reasons. However, no representative has been able to provide a specific explanation for the denial or identify any action I can take to resolve the issue. A Marcus representative previously assisted with closing the account, yet the transfer continues to be rejected with references to " quick money movement. '' During XXXX of my calls, the initiating bank participated on the line and confirmed that the original external account is no longer open and therefore can not receive returned funds. We also verified that the XXXX XXXX account to which I am requesting the funds be sent is a verified account that belongs to me. Despite these efforts and repeated communications, I have not received a clear explanation for why my account can not be fully closed and my funds transferred. I have spent significant time attempting to resolve this matter and have cooperated with every request made by Marcus. I am requesting : Prompt closure of the account and disbursement of the balance of {$15000.00} issued via ACH to my linked and verified XXXX XXXX Bank account. Please escalate this matter to the appropriate department and provide a resolution as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MD

Complaint narrative:
I am disputing a debt that has been sent to collections by Eastern Account System on behalf of XXXX. I terminated my XXXX service and vacated the residence in XXXX. Despite cancellation, XXXX charged my account afterward and failed to provide a promised refund. I disputed these charges with my bank. Now, I am being pursued for a debt that is the result of billing errors after my account was closed. This debt is not valid. I am requesting : * Verification of the debt * Removal of the collection account * Correction of any credit reporting related to this matter This situation has caused ongoing stress, and I believe this may constitute improper collection practices. I am requesting a full investigation and resolution.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This debt is fully paid for it need to be removed from all XXXX of my credit bureaus updated as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I am filing a complaint against PayPal regarding the handling of Case ID XXXX. On XXXX XXXX, 2026, I received a payment of {$130.00} through PayPal from an XXXX seller. The seller had contacted me outside XXXX using personal information obtained from my XXXX order and requested that I remove a product review. The seller then sent funds through PayPal in connection with that request. After I reported the seller to XXXX, the seller disputed the PayPal payment. PayPal initially processed the dispute as an Item Not Received claim, despite the fact that no physical item was sold, shipped, or expected to be delivered by me. I repeatedly informed PayPal that I am not a merchant and that this was not a traditional goods transaction. After escalating the matter to PayPals XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PayPal acknowledged in writing that : * The transaction did not involve the sale or shipment of goods. * I deleted the review and provided proof of doing so. * I submitted evidence regarding the transaction. Despite acknowledging these facts, PayPal upheld the dispute and imposed a negative balance of {$130.00} on my account. My concerns are : 1. PayPal acknowledged that I completed the requested action and submitted proof, yet still determined that the evidence was insufficient. 2. PayPal failed to clearly explain what additional evidence would have been required. 3. PayPal initially treated the matter as an Item Not Received claim even though no item existed. 4. PayPal has refused further appeal and declared the decision final. XXXX. I have been left financially responsible despite complying with the transaction and providing evidence. Additionally, XXXX has confirmed that it is investigating the seller for using my personal contact information, contacting me outside XXXX platform, and attempting to influence customer reviews. I am requesting that the CFPB review PayPals handling of this dispute, require PayPal to provide a clear explanation of its decision-making process, and review whether the negative balance imposed on my account is justified given the facts acknowledged by PayPal itself XXXX Desired Resolution : * Removal of the negative balance from my PayPal account. * Reimbursement of the {$130.00} charged to my account. * A detailed explanation of the evidence standard applied to my case. * Review of PayPals dispute handling procedures for transactions that do not involve physical goods.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One continues reporting accounts ending in XXXX and XXXX with charge-off and late payment history. The company provided bank statements but failed to provide proof that the information reported is accurate and legally verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I am an identity theft victim. I submitted a formal XXXX XXXX dispute to Equifax , XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> demanding the immediate block and deletion of XXXX fraudulent collection accounts, unauthorized hard inquiries, and inaccurate personal information placed on my credit file without my knowledge or consent. Under 15 U.S.C. 1681c-2, the bureaus were required to block all identified fraudulent items within XXXX business days. That deadline has passed. As of XX/XX/year>, Equifax still shows XXXX disputes ongoing with XXXX accounts deleted. XXXX shows XXXX disputes ongoing with only XXXX accounts deleted and my score actually dropped XXXX point. XXXX shows XXXX disputes ongoing. The fraudulent accounts include collections from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others totaling over {$550000.00} in falsely reported debt. None of these accounts belong to me. No original signed contract exists for any of them. Multiple unauthorized hard inquiries were also placed on my file without my permission. The bureaus have failed to comply with their legal obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am filing this complaint against Midland Credit Management regarding inaccurate, misleading, and unverifiable collection reporting and continued collection activity without sufficient documentation validating the alleged debt. ACCOUNT AT ISSUE : Midland Credit Management Account Number : XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX. Balance Reported : {$1100.00} Date Opened : XX/XX/year> Account Type Reported : Factoring Company Account Status Reported : Collection Account Midland Credit Management is reporting and attempting to collect an alleged debt without providing sufficient documentation proving : I legally owe this debt and provding the signed credit application Midland Credit Management lawfully owns the debt The balance being reported is accurate The identification they received to open the fraudulent account Despite disputes, Midland Credit Management continues reporting the account without competent supporting documentation. To date, Midland Credit Management has failed to provide : Original signed agreement Original application Complete billing statements Complete payment history Itemized accounting of charges Without this documentation, the debt can not be properly validated or verified. Midland Credit Management continues reporting this account as a collection account despite the absence of supporting documentation and when I send letters to the credit reporting agencies, they respond that Midland verified, yet don't provide signed documents provided by Midland from the original creditor. The continued reporting creates ongoing harm to my credit profile while the debt remains unverified. Collection reporting should not continue where : No signed agreement exists No itemized accounting has been provided No lawful collection authority has been demonstrated FDCPA VALIDATION CONCERNS Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must be able to validate a disputed debt. Midland Credit Management has failed to provide documentation validating : The legitimacy of the debt The signed credit application and identification provided to open the account. A generic statement that the debt was verified is insufficient. FCRA VIOLATIONS FCRA 1681s-2 ( b ) Failure to properly investigate disputed information. FCRA 1681e ( b ) Continued furnishing of potentially inaccurate and unverifiable information. The burden rests with Midland Credit Management to prove : Ownership of the debt Accuracy of the balance Compliance with federal reporting standards I am not required to prove that the debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
Around XX/XX/year>, I sent the collection company a debt validation for the amount of {$580.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Last year, I applied for Citi XXXX XXXX due to their relationship with XXXX XXXX. However I was never able to transfer my points to AA as my first and last name should match in XXXX and credit card but due to how Citi opened my account my name was different. I sent a letter to Citi and got a response that they couldnt change it. Thats ok. A few weeks ago, I received a letter from Citi saying that I had to fill out a tax form and send by mail, which I did. Few days later I got another letter asking for the form. So I called Citi and was told that I filled it wrong. I had vacation planed and could only send it after, which I did. Then yesterday when I checked my credit card account it was saying that the account was closed. So I called Citi and got the response that the tax form was wrong and that after XXXX times that they sent the tax form, they had the right to close my account. There was no notice about a wrong tax form, there was no notice saying that my account would be closed after XXXX tries. As I was never able to transfer my points to XXXX I had almost XXXX points in my account which they said I lost it. I didnt even have my account for a year and I paid the annual fee. I just want my points back. I have been having problems with Citi from the first day I opened my savings and checkings and I never had a single help from them and their 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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I had accepted an offer from Wells Fargo for a balance transfer, I transfer XXXX to my XXXX credit card but I received an email that the transfer check rejected due to the fact that my credit card was locked, I called immediately and the Wells Fargo representative told me its to late and it will be returned, he offered for him to do transfer to XXXX I agreed to do that with him, after he did it the check that was supposedly late credit my XXXX card and also a credit for another XXXX was sent to XXXX, so now XXXX had XXXX credits of XXXX and Wells Fargo charge me XXXX XXXX times, I was advise my executive office from Wells Fargo to have XXXX send me back the XXXX and they make payment to Wells Fargo for XXXX and that they will reverse the XXXX transfer fee, this has been going on for about 2 months and they just keep giving me the run around.

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 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Re : Payoff Statement Delay Newrez Loan XXXX XXXXXXXX I am filing a complaint against Newrez for failing to provide a payoff statement, which is preventing me from completing a refinance. A payoff was requested on XX/XX/XXXX, by my new lender, XXXX. Since then, I have made multiple follow-ups, including XXXX phone calls and written requests, without success. On XX/XX/XXXX, I was told Newrez would not release the payoff unless I provided or authorized an appraisal due to a Shared Appreciation Modification from XXXX. This requirement is not supported by the modification terms. The deferred balance from the XXXX modification was fully forgiven over XXXX years. Any shared appreciation provision only applied within that timeframe, which has long expired. There is no remaining balance or equity-sharing obligation. Despite this, Newrez continues to withhold the payoff. I was directed to email XXXX, and my authorized representative did so on XX/XX/XXXX, but no response has been received. Under RESPA ( 12 C.F.R. 1024.36 ), servicers are required to provide a payoff statement within XXXX business days of a written request. Newrez has failed to comply. This delay is jeopardizing my rate lock and refinance. I request that Newrez immediately provide an accurate payoff statement and cease imposing unsupported conditions. Can you please help me with this? Thank you, 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