vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding Capital One Auto Finances failure to respond to a written request for information concerning a charged-off auto loan that continues to be reported on my credit reports with an outstanding balance of approximately {$17000.00}. The vehicle associated with this loan was released from Capital Ones lien prior to the balance being satisfied, and the vehicle was subsequently sold. Because the title was released while a substantial balance remains reported, I requested written clarification and supporting documentation regarding the status of the account. On XX/XX/year>, I sent Capital One a written request asking for the following information : The date and authorization of the lien release. The remaining balance calculation after the collateral was released. Documentation explaining how Capital One retained the right to collect the remaining balance after releasing the vehicle title. This request was sent by certified mail. USPS tracking reflects delivery and pickup by Capital One in XXXX, Texas on XX/XX/year>. More than 30 days have passed since delivery of my request, and I have not received a response addressing the information requested. At the same time, Capital One continues reporting an outstanding balance of approximately {$17000.00} on my credit reports. I am not disputing that an account existed. Rather, I am requesting a written explanation and supporting documentation that explains : 1. The date and authority under which the lien was released. 2. The calculation of the remaining balance following release of the collateral. 3. The legal and contractual basis for Capital Ones continued collection and credit reporting of the balance after the title was released. Additionally, I am willing to discuss repayment of any legally valid balance. However, I am requesting that Capital One provide any available settlement options, payment arrangement options, hardship programs, or repayment terms in writing so that I may properly evaluate and respond to them. To date, I have not received written information regarding available repayment arrangements. I am requesting that Capital One provide a complete written response, supporting documentation, and written payment arrangement options sufficient to explain the remaining balance and facilitate resolution of this matter.

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 — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: CA

Complaint narrative:
My chime account was closed on XX/XX/year> I still had XXXX still in my account they will not send a check to me because of some policy I violated need legal help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I opened Savings account for {$100000.00} on XX/XX/year>. I should have received {$1500.00}. I received {$750.00}. Attached is a screenshot that clearly shows I should have received {$1500.00}. The screenshot is the cashback tracker on my XXXX portal that stated that I would receive {$1500.00} back if I maintained funds in the account by XXXX on XX/XX/year>. I did maintain funds in that until XXXX on XX/XX/year>. If the XXXX cashback tracker was a disclosure that said I was going to receive {$1500.00} if I maintained the funds by XXXX on XX/XX/year> I should have received {$1500.00}. That is a XXXX bank regulatory violation and if I asked anyone to read the screen that XXXX provided for me to track the {$1500.00} bonus, he or she would also correctly conclude that in order to receive {$1500.00} bonus I had to fund the account by XX/XX/year> and maintain the funds in the account until XXXX on XX/XX/year>. Then I would receive the {$1500.00} cash bonus by XX/XX/year>. It also shows what balance I needed to maintain in the savings account and in XXXX at XXXX, which again I did maintain. XXXX says that I only got {$750.00} because I made an internal withdrawal from the cashback savings account to the new savings account that a XXXX XXXX opened for me on XX/XX/year> around XXXX. Again, I did not touch the account until after XXXX. But I am also adding a screenshot in which XXXX discloses that transfer requests after XXXX will be rescheduled the next business day. I specifically asked the XXXX XXXX if this transfer disclosure on the screen was accurate, before she assisted with the online transfer. Obviously, it is not. Another XXXX violation. I read the cashback disclosure screen before I opened the account. I read the transfer disclosure screen and talked to the XXXX XXXX before I transferred the money. XXXX needs to honor these disclosures and give me the {$750.00} that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
I contacted collection company due to receiving a text message with this information called to confirm information and I informed them XXXX paid the bill. A day later it is being reported on my credit report after the lady I spoke to stated it was not reported to bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an invoice statement for my XXXX XXXX Credit Card via email. To my surprise, the charge on the invoice exceeded {$1000.00} ( {$1000.00} to be exact ). The last time I had used the card was way back in XX/XX/XXXX for a XXXX XXXX phone bill ( {$100.00} ). Immediately, I called my credit card company and informed them my credit card was stolen and someone had made these fraudulent transactions on my account. I had looked everywhere for my credit card but to no avail and I had nobody else authorized on the account that had used the card. The credit card company opened a dispute and immediately closed it the next day, rejecting my claim saying : Since the transaction was processed in this manner and your card has not been reported lost or stolen, this transaction is believed to be valid. I am formally appealing this decision. The claim was rejected on the grounds that the card had not been reported lost or stolen ; however, the purpose of my immediate call on XX/XX/XXXX was to report the card stolen and dispute the fraudulent activity. I request a thorough reinvestigation of these charges, as they were entirely unauthorized.

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 — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, an official electronic direct deposit labeled XXXX XXXX XXXX hit my checking account. These funds consist 100 % of a federal student financial aid refund disbursed by my university. On XX/XX/year>, I transferred a portion of these exact, traceable funds into my savings account. On that very same day, XX/XX/year>, Wells Fargo Bank executed an internal, unilateral account sweep/contractual offset to seize the entire balance to satisfy an old debt under Cause No. XXXX. In a formal court objection filed on XX/XX/year>, Wells Fargos legal counsel admitted in writing that this seizure arose strictly from a private " contractual relationship '' and bank offset, rather than a court-ordered writ. Under federal statutory law, 20 U.S.C. 1095a, federal student financial aid funds are strictly exempt from all forms of commercial debt collection, levy, execution, or bank contractual offset. Wells Fargo Bank is in direct violation of federal statutory protections by targeting, freezing, and refusing to release fully exempt student aid.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

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 — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: GA

Complaint narrative:
XX/XX/year> I had XXXX deposited in my chime account and later made several transactions.then on XX/XX/year> I tried to login and was asked for id .. chime didn't accept my id .. I had my power of attorney contact you and they sent in the proper paperwork and they were denied access to my account .. now when I call they say I don't have an account .. I have several emails showing I have an account .. I have deposit receipts and photos of emails

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 was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX ( charge-off ) date XX/XX/XXXX {$240.00} Actions : I've ask XXXX, XXXX XXXX to provide me with the original contract of this account no one has sent that information over. I haven't even received a 1099 form if it's a charge off. XXXX XXXX XXXX XXXX ( charge off ) XX/XX/XXXX {$500.00} Actions : I've ask XXXX, XXXX XXXX for original contract no one has sent me anything says charge off and also haven't received XXXX form either. XXXX XXXX XX/XX/XXXX {$930.00}, {$640.00}, {$930.00}, {$640.00} Action : I do not recognize this account it says medical. I have XXXX and XXXX XXXX cards. I can provide you with that. I've asked XXXX, XXXX XXXX to remove it they still left it on there. Person Information Action : I've asked XXXX, XXXX XXXX to remove the names and numbers from my report as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ( XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXX XX/XX/XXXX {$9600.00} ( charge-off ) I've ask for the original contract information.got nothing says it remains on credit. XXXX XXXX XXXX XXXXXX/XX/XXXX - {$230.00} dispute it and ask for original contract remain on credit XXXX XXXX XXXXXX/XX/XXXX I don't recognize this account and it doesn't show how much I owe I asked for original contract no response stay on report Regular Inquiries XXXX XXXX XXXX XXXX XXXX date request : XX/XX/XXXX, XX/XX/XXXX I don't recognize this request on my report XXXX XXXX XXXX date request : XX/XX/XXXX I don't recognize this account either Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXno date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERIS BANCORP
State: MD

Complaint narrative:
I am filing this formal complaint against my originating mortgage lender, Ameris Bank, for severe negligence, lack of professional due diligence, and failure to provide an accurate baseline escrow analysis at closing. On XX/XX/XXXX, I closed on the purchase of a fully renovated property for {$230000.00}. During underwriting and the preparation of the Final Closing Disclosures, Ameris Bank calculated my initial property tax escrow based on an unadjusted, pre-renovation market valuation that belonged to a prior investor/flipper. They estimated my annual property taxes would be roughly {$1000.00} ( {$83.00} per month ). Immediately following closing, Ameris Bank transferred the servicing rights of my loan to XXXX XXXX, insulating themselves from the immediate aftermath of their inaccurate calculation. Consequently, when the actual post-renovation tax bill was assessed by the XXXX of XXXX against the {$230000.00} transaction price, it was {$5600.00}. This gross underwriting failure has resulted in a massive certified escrow shortage of {$9300.00}, causing severe financial shock and forcing an artificial payment increase from {$1800.00} to {$2900.00} per month ( effective XX/XX/XXXX ). On XX/XX/XXXX, I purchased the fully renovated single-family home at XXXX XXXX XXXX XXXX from Neighborhood Housing XXXX XXXX XXXX XXXX for {$230000.00}. The loan was originated by Ameris Bank. Per the XXXX XXXX XXXX provided by Ameris Bank, my monthly property tax escrow deposit was set at a severely suppressed rate of {$83.00} per month. This calculation was based on an outdated, historical property profile before the property was acquired, flipped, and significantly appreciated in market value. On XX/XX/XXXX, XXXX XXXX conducted its annual escrow account review. The actual baseline disbursements revealed a catastrophic gap between the original lenders disclosures and real-world costs. Under federal law, a lender is mandated to conduct an escrow analysis using good-faith estimates based on known records. Ameris Bank was fully aware that the property was a flipped home sold at a premium market value of {$230000.00}. Utilizing a deflated tax assessment meant for a distressed, unrenovation asset does not constitute a good-faith estimate. Under the Dodd-Frank Act, a practice is unfair if it causes substantial financial injury that consumers can not reasonably avoid. As an ordinary consumer, I am required to rely on the professional licensing and mathematical compliance of an institutional underwriting team. Ameris Bank lowered my estimated monthly payment parameters to make the loan appear affordable at closing, only to shift the inevitable payment shock to another servicer. Because of this error, my monthly mortgage obligation is rising by {$1100.00} per month starting XX/XX/XXXX ( {$780.00} allocated strictly to pay off the prior year 's shortage, plus the corrected baseline adjustment ).

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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
ON XX/XX/year> I SENT OVER A DISPUTE WITH XXXX, XXXX AND 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, and 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