vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding my Chase credit card account ending in XXXX due to deceptive practices and contradictory communications that have caused significant credit damage. INCIDENT XXXX XX/XX/year> Broken Agreement : On XX/XX/year>, I called Chase regarding the imminent charge-off of my account. A Chase representative offered XXXX explicit options : ( 1 ) make a payment of {$990.00} to stop the charge-off and enter a payment plan, or ( 2 ) allow the charge-off to proceed. I accepted option ( 1 ). Chase never processed the payment my XXXX XXXX XXXX statement for XX/XX/year> shows no debit to Chase. Despite this, Chase charged off the account without honoring the agreement or giving me the opportunity to make the {$990.00} payment I had accepted. INCIDENT 2 Contradictory Written Communications : Chase then sent me XXXX letters that directly contradict each other regarding the charge-off status of my account : XX/XX/year> letter : States my account 'recently charged off ' and offers a settlement of {$35000.00}. XX/XX/year> letter ( sent just XXXX DAYS LATER ) : States my account 'is approaching charge-off ' with a projected charge-off date of XX/XX/year>, and asks for a {$8400.00} minimum payment by XX/XX/XXXX to bring the account current. These letters can not both be accurate. Chase 's own communications are internally contradictory, demonstrating disorganized and deceptive handling of this account. IMPACT : My credit reports ( XXXX XXXX XXXX pulled XX/XX/year> ) show this account as XXXX days late with a charge-off notation, which is actively suppressing my credit score during a period when I have been working to resolve all delinquent accounts. I relied on Chase 's XX/XX/XXXX representation to my detriment had I known they would charge off the account anyway, I would have pursued other resolution options at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SOFI TECHNOLOGIES, INC.
State: MS

Complaint narrative:
I was having a problem with my sofi account they are not telling a reason my account was closed but was trying to get help with opening my account back that they closed and they won't allow me to open a new onec

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: IL

Complaint narrative:
ON XX/XX/year> I SENT OVER A DISPUTE WITH XXXX XXXX XXXX XXXX AND NOTHING WAS DONE. This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX XXXX XXXX XXXX If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This has been ongoing for what seems like XXXX XXXX in bank form. I've owned this camper for XXXX years since XX/XX/2019, It should be completely paid off. Since my last request they sent a very strange format of payments that really make no since but in a strange way reflect that I've paid off the full amount, They had someone physically come to my house and threaten to take it over XXXX dollars that was never explained after I sent them all XXXX in the month of XXXX they never gave me a local bill that reflected any future payments I made just some odd made up late charges. When I called in XXXX I asked them what all I owed them because I was still be stalked by the person who threaten to take my home and I'm about to go XXXX XXXX I'm pregnant, How much I owed to fully payoff the remainder of the loan they told me XXXX I paid that and was sent another bill with made up charges on the XXXXXXXX XXXX XXXX still didn't reflect my other XXXX payments when I called that day the bank told me they would send a updated bill they never did I checked so I was waiting on the title. I got XXXX calls from their company a day before the loan payment is actually considered " late '', if their was a logical one so it wouldn't be considered " late till tomorrow '' again a new bill reflecting current payments was never generated. When I called today requesting this information again they said I owed the full loan amount of XXXX and could not explain why and I cant get any other departments on the phone for this company. The are located in 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 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: CA

Complaint narrative:
A debt collector Credit Control , LLC on XX/XX/year>, sent a text message to my roommate, who has no financial relationship to me. The message included my name, referenced an XXXX XXXX account, and identified itself as a debt collector. This disclosed my debt to a third party in violation of the FDCPA. This was not a request for location information. It directly revealed my debt to someone unrelated to the account.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally disputing the XXXX XXXX XXXX XXXX collection account appearing on my credit report. I dispute the accuracy, completeness, and verifiability of this account. I previously sent a debt validation request directly to XXXX XXXX XXXX XXXX requesting documentation supporting the alleged debt, including proof of ownership, account history, chain of assignment, and authority to collect. The information provided has not adequately substantiated the account. Additionally, this account was previously removed from my credit file and later reappeared. I do not recall receiving notice of reinsertion. Pursuant to the Fair Credit Reporting Act, I request a reasonable reinvestigation of this account and request that the furnisher provide competent documentary evidence supporting the reporting of this tradeline. Please verify : 1. The original creditor. 2. The complete account history. 3. The amount being reported. 4. The date of first delinquency. 5. The furnisher 's authority to report the account. 6. The basis for any reinsertion of previously deleted information. If the information can not be verified as complete and accurate, I request deletion of the tradeline from my credit report. Please provide the results of your investigation and the method used to verify the disputed information. 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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am a business checking account holder at Chase. I was charged XXXX overdraft fees at {$34.00} each, totaling {$510.00}. I contacted Chase customer service and was escalated to a supervisor to request a full refund. During the call I noted that my account has been brought back to a positive balance by me personally. Chase refused to refund more than XXXX fees, returning only {$100.00}, leaving {$400.00} unresolved. I was not provided with the names of representatives I spoke with. I was issued case number XXXX at the close of the call. I am requesting that Chase review this case and issue a full refund of the remaining {$400.00} in overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against National Credit Systems ( NCS ) due to unlawful, abusive, and unprofessional conduct by their representative, XXXX XXXX, that directly violates the Fair Debt Collection Practices Act ( FDCPA ) and Texas debt collection laws. On XX/XX/year> at approximately XXXXXXXX XXXX, I contacted National Credit Systems with the intent of resolving an outstanding matter, making a payment, and inquiring about the process and documentation available to me. XXXX XXXX is the supervisor I spoke with. During this interaction, he engaged in severe consumer harassment and abusive behavior, including the following specific actions : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX : When I requested standard, written payment plan options for my recordsand on behalf of my landlord who requested themthe representative repeatedly insulted me. The agent explicitly accused me of " insulting their intelligence '' for simply asking for written documentation either via email or written methods. When asking if different methods of proof could or would be available as payments were made, they told me they dealt with people like me everyday and knew what I was up to in a very unprofessional manner. He told me that I was being unreasonable asking the same question XXXX times. This is false, as I was asking several different questions regarding clarification on the process and documentation available to me. Additionally, the collector falsely accused me of attempting to make a single payment with the premeditated intent to stop future payments solely to deceive my landlord. This unfounded accusation is entirely untrue, constitutes a bad-faith misrepresentation of my character, and represents a clear attempt to intimidate and harass me into making a payment under duress. XXXX. Hanging Up During a Payment Attempt : While I was actively attempting to discuss and make a payment, the representative abruptly declared that he would mark my debt as unsettled and then hung up the phone on me, refusing to process the transaction or assist me further. XXXX. Withholding Account Access and Information : I requested assistance regarding my online account details and password so that I could manage my account securely. The representative flatly refused to provide any details, troubleshoot, or assist me with my login credentials, completely cutting off my access to online account management with no reason for why information could not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CT

Complaint narrative:
On XX/XX/XXXX I moved from XXXX XXXX XXXX. I immediately contacted Santander ( the lien holder of my XXXX XXXX XXXX of my move and gave my new address. I told them I need them to send the title from XXXX XXXX XXXX XXXX dmv ( because they only accept the actual title ) to register my truck in my new state XXXX. I have called them every month asking them to send this title to the XXXX dmv explaining that they will receive the new title from XXXX once the truck is registered. I have been told many times it takes XXXX days, I have been hung up on and told they cant understand me. Santander was sent an official request letter from the XXXX DMV on XX/XX/XXXX and they have still not sent the title to the XXXX dmv. Santander did email me a digital copy and permission letter, but XXXX DMV does not accept those. My XXXX registration will expire on XX/XX/XXXX and at that point I will no longer be able to legally drive the truck. I dont understand why they wont send the title to XXXX DMV . This is a normal procedure, people move regularly. I have been patient and trying to get Santander to do this for over a year. Now I am approaching the deadline : I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am a victim of an online fraud scheme involving a seller on XXXX ( User : XXXX XXXX XXXX ). I purchased XXXX XXXXXXXX XXXX for {$4000.00} ( {$2000.00} on XX/XX/year>, and {$2000.00} on XX/XX/year> ). The seller deceived me by using XXXXgenerated/manipulated authentication documents to make me believe the item was authentic. Upon receiving the items, a professional authentication service ( 'XXXX ' ) confirmed they were counterfeit. When I requested a refund, the seller blocked me and deleted all communication history to destroy evidence. I have officially filed a police report with the XXXX Police Department ( XXXX # : XXXX ). Despite providing clear evidence of fraud, XXXX support team refused to investigate, citing their privacy policies. This is unacceptable as XXXX is failing to protect users from documented criminal activities. I request that XXXX : XXXX. Re-open this case and conduct a thorough investigation into the fraudulent account based on the police report. XXXX. Cooperate with law enforcement to track the stolen funds. XXXX. Facilitate a refund, as this transaction was induced through criminal deception and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am submitting this complaint regarding the closure of my TD Bank account and the subsequent reporting of that closure to XXXX XXXX XXXX XXXX XXXX XXXX, which resulted in cascading account closures at other financial institutions. I am not alleging fraud or illegal activity. My concern is procedural transparency and the use of discretionary decision-making without a clearly articulated basis. Specifically : * My XXXX report contains no derogatory information. * My XXXX file reflects no defaults, no unrecovered losses, no fraud designation, and no stated violation of terms and conditions. * Any overdraft or non-sufficient funds events were promptly cured, and no account was left delinquent. I submitted a formal written request to TD Bank seeking : * The specific basis for the account closure * Whether the decision was automated or discretionary * Confirmation that appropriate internal controls and conflict-of-interest safeguards were followed TD Bank responded but did not address these questions. Instead, the response stated only that the bank reserves the right to close accounts at any time, for any reason, without providing any explanation specific to my account or the decision-making process. XXXX XXXX XXXX confirmed that it would not reinterpret or evaluate the information and would only append my rebuttal statement to my file. As a result, I have experienced material disruption to my access to banking services without being provided a clear explanation of the underlying cause. I am requesting that TD Bank provide : * A clear, specific explanation of the basis for my account closure * Confirmation of the process used to reach that decision * Clarification of the nature of the information furnished to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding Chase Bank 's refusal to honor a {$750.00} promotional bonus after I substantially complied with the requirements and acted in good faith. I opened a Chase Business Checking account on XX/XX/year>, solely because of the advertised {$750.00} promotion. I deposited and maintained over {$20000.00} for the required XXXX period, allowing Chase to use my funds in reliance on its promotional offer. The promotion also required XXXX qualifying transactions. I initiated XXXX transactions in good faith, but XXXX {$1.00} transaction failed to post. Chase counted only XXXX qualifying transactions and denied the entire {$750.00} bonus. I understand that Chase may rely on a strict interpretation of its policy, but denying the full bonus because of XXXX failed {$1.00} transaction is unreasonable, disproportionate, and contrary to the spirit of the promotion. I fully satisfied the primary deposit requirement and made every effort to comply. There was no attempt to manipulate or abuse the promotion. I contacted Chase customer service and requested that my case be escalated for executive or supervisory review. The manager refused to escalate the matter and advised that no exception could be made due to policy. I am requesting that Chase Executive Customer Relations review my case and approve the {$750.00} promotional bonus as a goodwill resolution based on my substantial compliance and good-faith efforts. I relied on Chase 's advertised promotion when committing {$20000.00} of my funds, and denying the incentive over a single failed {$1.00} transaction is not a fair or reasonable outcome. I respectfully request the CFPB 's assistance in obtaining a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TN

Complaint narrative:
XXXX I canceled my XXXX account but on XX/XX/26 my card was charged {$38.00}. I then contacted Cash App to return my money they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Comerica
State: PA

Complaint narrative:
I receive my social security check on this card. the card is XXXX XXXX. I have been calling them since XX/XX/year>. I have ever try to activate my card on line. I get a message saying that I have to call them. The problem is that you are on hole for hours and no one answer. I'm about to get evicted due to the fact, I can't pay my rent. my light, gas and cable has all been disconnected. I even wrote to them at XXXX XXXX payment services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not receive a call or a letter from them. I don't know what else to do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One has completely restricted my account and marked my status as 'N/A ' following a {$2.00} fraud verification call. They are demanding past bank statements from XXXX to unlock it, claiming they need to prove I was not coerced into opening the account. However, XXXX has locked my account, meaning those records are completely inaccessible to me. I have provided my valid government photo ID multiple times to prove my identity, but they refuse to accept it. While my account has been restricted, Capital Ones system allowed multiple unauthorized recurring subscription charges to sneak through and post to my account. These charges were never approved by me, they were never connected to my credit account with my consent, and they are not my subscriptions. Capital One is failing to block these fraudulent transactions while simultaneously locking me out of my own account. Furthermore, Capital One has flagged my account for multiple purchases I have attempted to make, creating an impossible loop. I am a busy college student, and this severe mishandling has caused extreme hardship and wasted my limited time. I am disputing all unauthorized transactions that snuck through the restriction, and I demand an executive override to unlock my account using the verified state ID I have already provided.

Company response to consumer: Closed with monetary relief