vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have submitted XXXX complaints to Chase about defective that got my bankruptcy stay dismiss for them to proceed with the foreclosure. In each response, XXXX list the dates of all motions. And states that all procedures were followed. Per the XXXX XXXX XXXX Court docket, which is the proof, there is no affidavit of service to me by Chase or the courts. Please see the attachments on the procedures of serving a Pro-Se liagant. I never received notification via mail, which is the correct procedure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: CO

Complaint narrative:
On XX/XX/2026, I was charged twice by the same merchant ( XXXX ) for {$290.00} each XXXX identical charges exactly XXXX minute apart due to a website failure that did not display a confirmation page after my first submission. I contacted XXXX directly and requested a refund for the duplicate charge. XXXX refused. I then filed a dispute with Capital One. Capital One denied my dispute, citing that the merchant confirmed no other payments were received for the purchase. I provided Capital One with the following documentation to support my dispute : - XXXX XXXX booking confirmations ( Booking IDs XXXX and XXXX ) for identical tickets, same date, same amount, confirmed XXXX minute apart - Written confirmation from XXXX XXXX XXXX ( Case # XXXX ) that the tickets from XXXX of the XXXX orders have never been used for park entry - A written escalation to XXXX dated XX/XX/2026 requesting reconsideration, which went unresolved Despite this evidence, Capital One closed the case in the merchant 's favor. The merchant 's claim that no other payments were received does not address the core issue : XXXX separate charges were processed within XXXX seconds for the same item, and XXXX set of tickets has never been redeemed. I am requesting that the CFPB investigate Capital One 's handling of this dispute and require them to reinstate the {$290.00} credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
The CFPB complaint from PayPal demonstrates someone stole my original PayPal account with my original XXXX purchases under the XXXX email address because I never changed or used an email address XXXX Someone swapped my PayPal account out and the XXXX email address is a secondary recovery email address on the PayPal account for the original XXXX one. If I signed into the PayPal account, it was a secondary one and this is wild.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: SC

Complaint narrative:
In XXXX, I discovered my long-standing automatic payment plan ( 10 years+ ) was cancelled without my knowledge or authorization from my HELOC ending in XXXX. I was in XXXX due to a sickness and this resulted in missed payments. In addition, my account reverted back to an old account number ( with my ex-husband ) which created confusion on how to make payments and my account was placed in bankruptcy status due to my ex-husband who filed for bankruptcy. I have at no time been or filed for bankruptcy. I refinanced my home under my name only and own the home free and clear. Because PNC placed my account under my old account number and my new account number, I was unable to make payments due to stating I was in bankruptcy. I contacted the online messaging service of PNC, who stated I never had automatic payments, and everything was my fault and stopped communication with me. I called the support line and was transferred to the IT department. I was told PNC performed a system upgrade and PNC was aware of the issue. I was informed the bankruptcy would be taken away. I have called several times only to be told the same thing ; written letters and still my account states bankruptcy. It has been 5 months and PNC refuses to correct their error. I have never been in bankruptcy, and this statement should not be on my account. It is upsetting to me and I am fearful PNC is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account No. XXXX Cease and Desist Communication ( FDCPA 15 U.S.C. 1692c ( c ) ) To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the above-referenced account, pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). You are hereby instructed to stop contacting me by phone, mail, email, or any other means, effective immediately. Any further communication from your organization, except as permitted by law, will be considered a violation of the FDCPA. I am maintaining records of all correspondence. Any violations of this request may result in formal complaints and potential legal action. This letter is not an acknowledgment of any debt, nor does it constitute acceptance of liability. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I do not accept this response as it does not address the core issue of my complaint. The company failed to properly investigate or acknowledge that I made multiple attempts to resolve payment issues prior to the account being closed. Payments were returned without clear explanation, and I was not given proper assistance despite contacting the company several times. Their response simply repeats that the account was closed due to account activity, but provides no documentation or explanation regarding the returned payments or the mishandling of my account. I am requesting a reinvestigation and documentation of : Why my payments were returned Records of my calls and attempts to resolve the issue Any justification for closing the account despite my efforts I also request consideration for correcting or removing any negative reporting associated with this matter, as I made good-faith efforts to maintain the account. This response does not meet the standard of a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: CA

Complaint narrative:
Upon review the files, it comes to the attention that there is an UNKNOWN/ FALSE information about a COLLECTION XXXX XXXX XXXX XXXX Account # XXXX with the balance of {$5200.00} from XXXX XXXX . I have No acknowledgment nor RELEVANCE to XXXX XXXX to given consent permission to anyone in the institution to use my personal information to obtain or open the account to made unauthorized charges. I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. As a Matter of rights under FCRA law to be in compliance, furnish-er of False information must provide any documentation that bears its original owners signature within 5 business days, failure to do so in the essence of time period must have the false information delete or remove before the matter is taken to the court because of Predatory Practice by the institution and the furnish-er of False information.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
A debt has been added to my credit report today XX/XX/year> that is not mine. Collection Agency : CBE GROUP Amount : {$940.00} Account # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Hi, I had a closed account from XXXX regarding a loan and I had an agreement with another company to pay off this debt. Apparently, this debt was sold off to another company named Hlasted financial services. This company emails me multiple times a day over and over... every single day regardless if its during the week or the weekend. I think its very excessive and according to the Fair Debt Collection Practices Act it prohibits harassments to collect a debt and the way the email over and over multiple times a day is a form of harassment. I have attached documentation and its just a small sample size of what I get multiple times a day every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding the closure of my Uber Pro Card account, which is serviced through XXXX XXXX XXXX XXXX XXXX.On or about XX/XX/XXXX or XXXXXXXX XXXX, my account was suddenly closed due to alleged suspicious activity. I was not provided with a clear or specific explanation of what activity triggered this action. The transactions in question were legitimate transfers between my own accounts. These transfers were made strictly for personal financial purposes, including paying a car payment. At no point did I engage in fraud, unauthorized transactions, or any suspicious behavior. As a result of this account closure, I have been denied access to approximately {$170.00} of my own earned money. These funds were earned through my work with Uber. I was not given prior notice of the account closure, nor was I given any opportunity to verify my identity or explain my transactions before losing access to my funds. Additionally, this situation caused immediate hardship. I was stranded at the airport for several hours because I could not access my money to pay for transportation or other necessities. I rely on these funds for essential expenses, and the sudden loss of access created a serious and urgent problem. I was informed that a check would be mailed to me, but this does not resolve the immediate issue, as I needed access to my funds at that time to cover bills and basic needs. I have not been given a clear or timely resolution. I am requesting the following : A detailed and specific explanation of what activity led to my account being flagged and closed. Immediate confirmation of the method and exact timeline for receiving my remaining balance of $ XXXXPrompt release of all funds currently being held without unnecessary delay. A review of whether this account closure was appropriate given that all transactions were between my own accounts. If my account can not be reopened, I expect the full balance to be returned to me as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I am filing a complaint against Transworld Systems Inc. ( TSI ) regarding their attempt to collect an invalid debt that was improperly referred to them. Approximately XXXX months ago, I visited a XXXX store in XXXX XXXX to open a new line and purchase a device. During the activation process, I decided not to proceed because the requested device was unavailable. The store representative confirmed that the transaction would be canceled. I paid a one-time {$50.00} unboxing fee and left the store without any device or active service. Despite this, XXXX created an account and later charged me {$120.00} for a service I never used or authorized. I made extensive efforts to resolve this issue by contacting XXXX customer service more than XXXX times. Multiple representatives acknowledged that the issue appeared to be a mistake ; however, no corrective action was taken, and the account was sent to collections. After being contacted by TSI, I formally disputed the debt and explained that no service was ever activated. However, TSI failed to provide any validation of the debt and instead offered to reduce the balance to {$95.00}. This response indicates that the debt was not properly investigated and that TSI attempted to collect on an unverified and invalid account. TSI is obligated to investigate disputed debts and provide proper validation before continuing collection efforts. Their failure to do so, while attempting to collect payment, is inappropriate and unacceptable. I am requesting the following : Immediate cessation of all collection efforts related to this account Formal validation of the alleged debt, including proof of service activation and billing authorization If validation can not be provided, immediate deletion of the account and notification to all relevant parties that the debt is invalid Written confirmation that the balance is {$0.00} Assurance that no negative information has been or will be reported to any credit reporting agencies, and removal of any such reporting if it has already occurred This debt is invalid, and I formally dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding my attempt to open a joint checking account at XXXX XXXX I appeared in person with my spouse, both of us prepared to open a joint account. I presented valid government-issued identification. Despite this, I was denied the ability to open an account due to XXXX XXXX stating they could not verify me through XXXX For context, I had previously exercised my right to opt out of certain third-party data collection and verification systems while disputing items on my credit profile. This may limit visibility in some databases, but it does not invalidate my identityespecially when I am physically present with valid identification. The primary issue is not simply the denial, but how it was handled : I was directed to check for a credit lock as a potential resolution. The branch XXXX later acknowledged this would not resolve the issue because XXXX does not rely on traditional credit bureau locks. This indicates I was knowingly sent down a path that would not resolve the issue, resulting in wasted time and confusion. When I attempted to clarify, I was treated in a dismissive and condescending manner and ultimately told to seek services from another bank. This raises several concerns : XXXX XXXX appears to rely exclusively on XXXX without offering any alternative identity verification process, even when valid identification is provided in person. I was not given accurate or transparent information about why I could not be verified or what steps would actually resolve the issue. The handling of the situation did not meet reasonable standards of professionalism or customer care. It is also worth noting that I was able to successfully open an account with XXXXXXXX XXXX and recently completed a vehicle purchase, both of which required identity verification through standard financial channels. This suggests the issue is specific to XXXXXXXX XXXX internal policies or systems rather than my identity. I am requesting the following : A clear explanation of why I was unable to be verified through XXXX Confirmation of whether XXXX XXXX has alternative identity verification procedures when third-party systems are unavailable or limited A review of the branchs handling of this situation, including the inaccurate guidance provided Clarification on whether my opt-out status is being improperly treated as a risk factor or denial condition Consumers should not be effectively denied access to basic banking services solely due to opting out of third-party data systems, especially when valid identification is provided in person.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: APEX Asset Management, LLC
State: NJ

Complaint narrative:
Hi CFPB, Invalid Medical Debt Sent to Collections While Under Active Dispute I am filing a complaint regarding an invalid medical debt that was improperly sent to collections despite being under active dispute and known insurance processing errors. This debt relates to an inpatient hospital admission beginning XX/XX/XXXX with XXXX XXXX. Key facts : I paid my inpatient deductible/copay at the time of admission. XXXX confirmed that my inpatient deductible/copay for this admission was satisfied. A related radiology claim from the same admission was incorrectly billed and required reprocessing after escalation. This was corrected. A second claim ( physician/hospitalist portion ) from the same admission remains incorrectly billed due to the same issue ( deductible/copay misallocation ). XXXX has confirmed that my inpatient copay/deductible payment not only satisfied my responsibility for this admission, but also exceeded the amount required. Based on this, I am owed a refund from the provider. This further confirms that the balance being sent to collections is not only incorrect, but that I have been overcharged. Timeline of events : XX/XX/XXXX Requested escalation ( XXXX, XXXX XXXX ) XX/XX/XXXX Second escalation request ( XXXX, XXXX ) XX/XX/XXXX - Third escalation request ( XXXX ) XXXX - Fourth escalation request ( XXXX ) Submitted formal written dispute via patient portal Multiple follow-ups requesting escalation to billing supervisor and Revenue Integrity No meaningful escalation response was provided I repeatedly contacted the provider through their patient portal and phone requesting escalation to a billing supervisor and Revenue Integrity regarding this XXXX. Despite these documented requests, no supervisor follow-up was provided. XXXX XXXX acknowledged in writing that they can not adjust the balance until XXXX reprocesses the claim, confirming that this is a processing issue and not a valid patient obligation. Despite this : The account was sent to a third-party collection agency ( Apex ) No resolution was completed prior to collections activity Billing continued while the account was under active dispute This account has been placed with collections while the underlying balance remains unresolved due to confirmed insurance processing errors. A related claim from the same admission ( XXXX XXXX XXXX ) has already required reprocessing, demonstrating a pattern of incorrect billing. Sending a disputed and unresolved medical balance to collections prior to proper claim reconciliation is improper and has caused unnecessary stress and potential harm to me. I have attached the correspondence I've had with billing from the Virtual customer portal, to correlate for the dates of XX/XX/XXXX and XXXX, were escalation requests was repeatedly asked. Regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have {$1400.00} in my account. They have canceled my debut card absolutely will not give me acsess to any of my funds without stepping into a branch. Im in XXXX. I wont back in XXXX for XXXX months. I asked them to close my account. Mail me a check. They wont do this either

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation