vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: IN

Complaint narrative:
They call me every day of the week and this even after I told them I am having financial issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendbuzz Inc.
State: CA

Complaint narrative:
I refinanced my auto loan and made a payment to Lendbuzz on XX/XX/year>. On XX/XX/XXXX, my new lenders payment was posted, and my account statement clearly showed an overpayment of {$600.00}. On XX/XX/XXXX, I called Lendbuzz customer service and was told the refund would be issued to my account on XX/XX/year>. When I called again on XX/XX/XXXX, the representative could not find my information and even claimed that no overpayment existed. Since then, email support has either not responded or delayed the refund under various pretexts. It has now been more than 30 days since the loan was fully paid off, and the approved refund of {$600.00} has still not been issued. I request that Lendbuzz issue the refund immediately today, or provide a firm date for its issuance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: LAKE MICHIGAN CREDIT UNION
State: FL

Complaint narrative:
My Husband and I, 3 years ago bought a XXXX XXXX XXXX. My husband actually got it for me for mothers day. Our loan was with LAKE MICHIGAN CREDIT UNION. We have never ever ever missed a payment and always had full coverage on the XXXX. Any bills we have are paid through auto pay every month. Its impossible for us to miss any payments because our money is always there. On Friday XX/XX/XXXX LAKE MICHIGAN CREDIT UNION came to my home and repossessed our XXXX, that we have never missed any payments. They are now holding it hostage and telling us that we now have to pay XXXX dollars or they will auction our XXXX. They are trying to scam us out of money. Thank XXXX Im blessed in life and we will be just fine but if there doing this to us there doing it to other people. What if this was someone who doesn't have another vehicle or have there whole life savings in that vehicle. We are just mortified and confused and feel totally violated. We do the right thing and we are good people who don't deserve this. Any help would be a blessing. Thank you

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
My account got hacked and I do not use a XXXX XXXX I have XXXX and my funds got sent to an account in XXXX I had to call them just to get into my account and then seeen XXXX $ missing and sent to an account that I dont even know. They closed my dispute refuse to refund me my money I was hung up on multiple times bc of just trying to figure out why I cant revive my money back. I havent had any help or good service from anyone on the chime help. It very messed up i have to suffer and keep being told to submit new documents when they have everything I could provide the with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I had my phone stolen on XXXX which I reported to my mobile carrier as soon as I was able. They were able to get into my phone via passcode so my biometrics were compromised. They got access to all of my bank accounts and card information via my bank login and digital wallet and were able to deplete my accounts of over {$7000.00}. I received a text message from SoFi on XX/XX/year> asking if I authorized a {$100.00} charge from XXXX XXXX XXXX. I immediately responded 'No ' and got confirmation that the 'No ' was received and my account would be secured. XXXX hours later I receive another text from SoFi asking if I was making a charge for {$100.00} for XXXX XXXX XXXX. I thought it might be a duplicate so I responded No and then logged into my account from my second device. I found that several charges for XXXXXXXX XXXX XXXX {$100.00} were made AFTER I said it was unauthorized. They never secured my account. I submitted a fraud claim immediately and reported my card as lost so charges would stop. I never actually lost my card. The agent taking my information reported inaccurately in my claim and it was automatically declined. I submitted an appeal with the correct information and additional documentation confirming several accounts were compromised with the same merchant/amount. Upon speaking to a rep with Sofi on XXXX they confirmed that no appeals were submitted and my claim did not reflect what I had originally reported. It has been a nightmare getting a rep to confirm my claim has been submitted accurately with the correct information. I should have received a provisional credit but they avoided it by denying my claim immediately without investigating. They also recommended I did NOT include charges that I did not initiate on my claim and to work with those merchants directly. I need assistance resolving this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XXXX XXXX XXXX ( XXXX ) {$53.00} ( XXXX ) XXXX charges were made using my virtual card. I didnt authorize any of the transactions. Ive never used XXXX XXXX. I called and explained my XXXX and XXXX XXXX XXXX kids were in possession of my phone playing games unknowingly charging my card. Ive submitted a signed affidavit, hand written statement, a police report, my schedule from work showing I wasnt even home when the charges were made. Once I made it home I called Credit Karma and Tried contacting the merchant. My dispute is being denied but no reason is being given as I have provided more than enough proof that I didnt authorize the charges. They can clearly see Ive never made 34 consecutive transactions since Ive had the account. That should have been enough proof alone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: RoundPoint Mortgage Servicing LLC
State: CO

Complaint narrative:
I am requesting regulatory review of a 30-day delinquency reported by RoundPoint Mortgage Servicing in XX/XX/year>. This account had been on automatic payment for several years with a perfect payment history. During a transition to a new primary banking relationship, the automatic payment associated with the prior account was rejected after the account closure. Unfortunately, I was not immediately notified that the automatic draft failed. As soon as the issue was discovered, the payment was immediately remitted and the automatic payment information was updated. The account has remained current since that time. I requested a goodwill adjustment from RoundPoint but received a standard denial. However, the reported delinquency resulted from an autopay rejection during a documented bank transition rather than an inability or unwillingness to pay. Given the long history of on-time payments and the circumstances surrounding the autopay rejection, I am requesting that RoundPoint conduct a formal review of the credit reporting associated with this event and consider correcting the 30-day delinquency notation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: TX

Complaint narrative:
Validation of Debt Request - CRCORPSOL/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I closed my checking account at TD BANK a month ago. I applied to couple of financial lender for a loan and it appears my TD BANK checking account still effective and one of available checking accounts. I tried to reach out the banking customer service and i was told multiple times they are not able to send any kind of proof my account is closed in good standing. As consumer this is my legal right to request to receive a letter or email my account closed effectively date and time as scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filling a complaint against cash app ( Block inc ) due to inadequate customer service and unfair paractices, which violates the consumer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconveniece and financial loss and i seek appropiates redress for these violations. due to this they deactivated my cash app card i have not had a card in 3 years and they can never give me any info why i cant get a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
b'There are 2 accounts opened as a result of fraud with JPMORGAN CHASE BANKXXXX XXXX XXXX XXXX XXXXChase cancelled the debt, but also sent it to collections & reported it as 1099-C. Also, I received a letter from the IRS stating I owe interest on this debt of $XXXX. This is not my debt.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
THIS IS NOT DUPLICATE I have been trying to work with SoFi Mortgage department to fix multiple errors they've made regarding my account. Last correspondence I received from them was a letter dated XX/XX/year>. They have mishandled several payments. They continue to deny service errors. I call the resolution specialist. I talked to XXXX XX/XX/year>. It was a productive conversation. Attached is more supporting documentation that does not correlate and contradicts letters I've received from Sofi mortgage. Attached is proof of payments that have been processed in which a sofi mortgage claims XXXX. Also SoFi claimed receiving and returning payments from an account that does not exist. They have been referencing a transaction report that is inaccurate. Sofi transaction report is the origin of all the errors. Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My CITI Back Account was charged over {$2700.00} on multiple transactions from XX/XX/XXXX- XX/XX/XXXX. I opened disputes on all of the fraudulent transactions and CITI bank did some investigation and says they can not provide refund. They only refunded a very few transactions. It is so strange they refunded the transactions that were made in XXXX but not in XXXX saying that they were not reported within the time frame. It does not make sense to me that they were able to resolve some of older transactions in XXXX and not able to do the latest ones in XXXX. Please see the unauthorized the transactions below : XX/XX/XXXX - {$170.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$200.00} XX/XX/XXXX - {$160.00} XXXX XXXX, XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$160.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00}

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a billing dispute involving a {$3000.00} charge from XXXX XXXX XXXX ( XXXX XXXX XXXX ) that was posted to my credit card on XX/XX/year>. The charge was for a mentorship and work opportunity program that was represented as including structured mentorship, job opportunities, and the ability to earn commissions through sales generated for the company. The services that were promised were not delivered as represented. During my time working with XXXX XXXX, I generated sales for the company as a setter working with their closers. I have documentation showing that deals were closed from leads that I generated. However, the commissions associated with those sales were never paid. The mentorship services that were advertised were also not delivered as promised. The agreement referenced multiple one-on-one mentorship meetings. In reality, I only had two calls with the owner, one of which was an initial intake call. These calls were primarily related to a potential affiliate manager position that the company stated they were working to create for me. I was later informed that the position would not be offered to me. Because the services and opportunities described in the program were not delivered and the commissions for sales I generated were never paid, I disputed the {$3000.00} charge with Capital One. I submitted documentation supporting my dispute, including communications showing : acknowledgement of closed deals from leads I generated promises related to mentorship and employment opportunities lack of payment for commissions associated with those sales Capital One later informed me that they were unable to continue processing the dispute because the chargeback timeframe had expired. As a result, the dispute was closed without the underlying evidence of misrepresentation and non-delivery of services being fully addressed. I am requesting that Capital One conduct a manual review of the dispute and the documentation that was submitted. I would like confirmation that the evidence was reviewed and clarification on whether any additional reconsideration or relief is available given the circumstances. I believe the merchant misrepresented the services and opportunities that would be provided and failed to deliver the mentorship and commissions that were described when the program was sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a home with my ex-fianc in XXXX. He ended the relationship and agreed that I get to keep the home. I agreed to use best efforts to assume the mortgage. I reached out to Chase ( the servicer -- mortgage is owned by XXXX XXXX ) in XXXX XXXX to begin the process. I submitted everything immediately and was told that it would take some time. After pulling my credit report 3 times and demanding full financial reports both personal and for my business, repeatedly, I was told via phone ( XX/XX/XXXX ) that they had denied the assumption. The agent on the call said my XXXX was over 50 %. I said that was an absolute error -- I had done the math before applying. When I got the letter confirming the denial, it only said my XXXX was too high -- no details. Nonetheless, I submitted a detailed appeal letter citing XXXX XXXX guidelines they violated and federal code. I was called again ( XX/XX/XXXX ) and told my XXXX was still over 45 %. I asked for specifics and was told that my income was too low. After questioning them, I found they did not use the gross income reported on my 1040 ( line 9 ), as required. I even provided them a completed Form 91, which they ignored. Additionally, after correcting the income side, suddenly I was told that the estimated payment was hundreds more than on the estimate provided by chase on its application materials. I said that was ridiculous since the estimate was already higher than the actual amount I have been paying on the loan I am trying to assume. The agent said the underwriters " included other possible costs. '' I said there were none -- no HOA, no PMI, just the PITI which is the same as I am currently paying. No answer to that. I was also told that they would not look at my liquid assets ( which are considerable -- I could not work for a couple of years and still make the payments ). Again, I asked for the full calculations, explanations of why my 1040 income was not to be considered, etc., in writing and I was told they can't do that. I understand that Chase will not make much if anything by permitting me to assume the mortgage, but it can not legally deny me the loan as I fully qualify. I believe there may be gender discrimination involved as well.

Company response to consumer: Closed with explanation