vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am the confirmed Successor in Interest for my deceased brother 's mortgage account ( Account : XXXX ). I am seeking a loan modification to resolve the estate debt and facilitate a sale of the property, but Bank of America is engaging in bad-faith stalling and administrative gaslighting.Rejection of Official Government Documentation : I have provided my official XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Report ( dated XX/XX/XXXX ) as proof of my XXXX and public assistance benefits. This document explicitly identifies itself as a 'BUDGET LETTER REQUEST ' and confirms my status as 'Active ' ( AC ) .Disregard for Written Clarification : On XX/XX/XXXX, I sent a formal letter to Bank of America titled 'Clearing Confusion II, ' explicitly stating that HRA does not provide any document other than this Budget Letter and that it is the official standard for New York State. Despite this, underwriters continue to mark my application 'incomplete ' by demanding an 'Award Letter ' that does not exist in this format in NYC.Fabricated Contact History : In my XX/XX/XXXX letter, I also confronted the bank regarding fraudulent notes in my file. Managers claimed three attempts were made to call me in a single day, while my actual call log showed only one attempt. This is a deceptive tactic used to make me appear uncooperative to the court.Stalling the Sale of the Property : I have been unemployed since XX/XX/XXXX and am experiencing clear financial hardship. By refusing to deem my application 'complete ' over a naming technicality, Bank of America is intentionally bypassing the 30-day evaluation deadline required by Regulation X and preventing me from resolving the estate.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/year>, a levy of {$630.00} was placed on my Chase Bank account by the XXXX XXXX XXXX XXXX. I called Chase Bank at approximately XXXX XXXX on XX/XX/XXXX to inquire about the hold on my account and confirm who placed it. During that call, I was informed it was a state levy and that if I obtained a Release of Levy, I could fax it to Chases XXXX fax line, which I was told had a XXXX-hour processing time. I was also informed that I needed to submit the release before XX/XX/year>, when the funds were scheduled for transfer. I obtained the release and it was faxed to the rush line on XX/XX/year>, at XXXX XXXX XXXX XXXX, well before the XX/XX/XXXX transfer. I called Chase in the afternoon of XX/XX/XXXX at approximately XXXX XXXX to confirm receipt of the fax. During that call, I was informed that Chase had changed the rush fax processing time from XXXX hours to 12 days, despite having initially promised a XXXXhour window. On the morning of XX/XX/year>, I discovered that Chase Bank had withdrawn {$530.00} of the {$630.00} levy from my account. My account is still on hold, and the funds have not been returned. When I visited my branch to resolve the issue, the branch confirmed receipt of the XX/XX/XXXX release but stated they are not allowed to process or reverse levies at the branch level. They escalated the matter and that was all they could do. During this period, an unrelated ACH withdrawal occurred, and Chase assessed an overdraft fee because the funds were unavailable due to their failure to process the levy release. Had Chase processed the release on XX/XX/XXXX as promised, the overdraft fee would not have applied. This failure caused financial harm by removing funds I should have had access to, XXXX XXXX, and difficulty accessing money for essential bills and medication. I am requesting that Chase Bank immediately reverse or return the {$530.00} withdrawn after the release, remove the hold and return the overdraft fee as well as ensure that their levy processing system properly applies release documents received before fund transfers, and that promised processing times are honored to prevent this type of error in the future. Documentation supporting my complaint ( fax confirmation, app screenshot showing withdrawal, branch acknowledgment, call notes ) is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MS

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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: United PanAm Financial Corp.
State: PA

Complaint narrative:
I got a loan from United Auto credit to purchase a vehicle and I've been making my payments on time every time and when I try to give them extra to pay on my principal they say they are applying it and will send me a receipt but yet never do and then my next payment is smaller so they're just completely ignoring it not paying on my principal which is violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I received a text message saying that my account has been compromised. I contacted Chime, which is my bank XXXX XXXX I received a call back. I was disconnected multiple times so I had to call to get another call back was approached by a supposed fraud manager, saying that my account was hacked. They were advising me to move money which I refused they also let me know exactly how much was in my account and two minutes later my money was transferred to unknown receiver with a picture of me all I wanted was for them to put my money back in my account. They denied my dispute. So I opened another one. I also advised him that whoever this person ones that transferred my money is working within the Chime bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Bank of America approved a business credit card for my company and sent me an email confirmation stating that the card would be mailed within 10 business days. While I was waiting for the card to arrive, unauthorized transactions began appearing on the account before the delivery period had even ended. The first unauthorized transaction occurred on XX/XX/XXXX for {$210.00} at XXXX. Another transaction occurred on XX/XX/XXXX for {$220.00} at XXXX. On XX/XX/XXXX, XXXX additional transactions occurred at XXXX locations in Mississippi : {$300.00}, {$250.00}, and {$260.00}. On XX/XX/XXXX, another transaction for {$300.00} occurred at a XXXX store in Mississippi. I reside in Florida and have never been to Mississippi during that period. On XX/XX/XXXX, while performing a routine review of my account, I discovered these charges and immediately reported them to Bank of America as fraudulent. The credit card had never been received by me. I use XXXX XXXX XXXX, which sends daily email notifications of incoming mail, and there was no notification indicating that the credit card had been delivered to my address. Because the card was never delivered to me, I believe it may have been intercepted or stolen during the mailing process. Bank of America initially issued temporary credits while investigating the claim. However, on XX/XX/XXXX, I received a claim resolution notice stating that the fraud claim was denied because the card was allegedly used with chip, PIN, or signature. This conclusion is inconsistent with the facts because the credit card was never received by me. Additionally, Bank of America credit cards can be used without mandatory activation or PIN entry, which means a person who intercepts the card could potentially use it immediately. I requested documentation from Bank of America supporting their decision, including any signed receipts or proof of chip or PIN usage. I am requesting that Bank of America reopen the investigation and remove the unauthorized charges from 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 monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
CONSERVE is falsely reporting on my credit. I have never had any accounts with them. Per my research CONSERVE 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
Validation of Debt Request - LVNV FUNDING LLC - XXXX XXXX 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 ) XXXX, 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I reported five unauthorized debit card transactions totaling {$1600.00} ( {$360.00}, {$240.00}, {$390.00}, {$390.00}, and {$280.00} ). Since that report, I have received no confirmation email or notification in my digital document center that the disputes were even being processed. Today, XX/XX/XXXX, marks the XXXX business day since my report. Because I had received no updates or the required provisional credit, I had to contact PNC myself via chat to ask if there was any additional paperwork required to release the funds. Only then did an associate inform me that a physical 'Dispute Questionnaire ' was supposedly mailed to me, despite my account being set for digital-only delivery. Under Regulation E ( 12 CFR 1005.11 ), I am entitled to provisional credit because the investigation is incomplete. I have since provided a signed formal declaration via email to XXXX, as instructed by the chat associate, to satisfy the written confirmation requirement. As of this filing, the bank has still failed to issue the mandated credit or provide formal confirmation of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: KY

Complaint narrative:
I am filing this formal regulatory complaint against Gemini Trust Company , LLC regarding their unfair, deceptive, and abusive act of confiscating {$260.00} of my pre-existing, clean funds to offset a fraud reversal initiated by my bank. I was recently the victim of a sophisticated, international Authorized Push Payment ( APP ) cyber fraud ( a " Task Scam '' ) operated by an organized criminal syndicate. As a result of this criminal extortion, my financial institution ( XXXX XXXX XXXX XXXX conducted a lawful fraud investigation. The bank subsequently reversed/charged back {$900.00} in fraudulently induced deposits that were routed through Gemini. Instead of acknowledging the documented criminal fraud, Gemini retaliated against me as the victim. Without warning or authorization, Gemini unilaterally confiscated {$260.00} of my clean, pre-existing funds that were sitting in my Gemini wallet to partially offset the bank 's reversal. They subsequently placed my account into a negative deficit of {$630.00} and locked my access. Geminis decision to penalize a fraud victim for their bank 's lawful chargeback, and to seize unrelated assets from an account to cover Gemini 's own institutional exposure to cyber fraud, is an abusive practice. I have already filed formal fraud reports with the FBI ( IC3 ), the Federal Trade Commission ( FTC ), and local law enforcement regarding the underlying crime. I am requesting that the CFPB compel Gemini to review this case as a criminal fraud event, rather than a simple user chargeback, and cease their punitive financial actions against a victim of cybercrime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SY/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 2026-03-06 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: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Better Mortgage, Inc.
State: TN

Complaint narrative:
CFPB Complaint Narrative Issue : Willful and Knowing Violation of TRID/Regulation Z ( 12 CFR 1026.19 ) Lender : Better Mortgage Loan Number : XXXX Statement of Facts : I am reporting Better Mortgage for an intentional violation of TILA-RESPA Integrated Disclosure ( TRID ) tolerance requirements. Prior to the consummation and funding of this loan, I formally notified the lender via email of specific, documented tolerance errors on the Closing Disclosure. Despite being placed on actual notice of these legal violations, the lender willfully proceeded to fund the loan, compelling me to finance their own disclosure liabilities into my 30-year principal balance. Specific Mathematical Violations : Zero-Tolerance Violation ( Lender Credits ) : Per 12 CFR 1026.19 ( e ) ( 3 ) ( i ), lender credits are a zero-tolerance item. The lender reduced my promised credit from {$1300.00} to {$620.00}. The lender cited a positive appraisal ( {$310000.00} vs. {$290000.00} estimate ) as a " Change of Circumstance. '' This is a bad-faith application of the law ; an increased property value reduces lender risk and is not a valid basis under Regulation Z to strip a borrower of a locked credit. 10 % Tolerance Violation ( Title Fees ) : My initial Loan Estimate listed title fees at {$1200.00}. The final Closing Disclosure charged $ XXXX 26 % increase. This far exceeds the 10 % cumulative tolerance limit allowed under 1026.19 ( e ) ( 3 ) ( ii ). Evidence of Willful Intent : I provided the lender with a written Notice of Error regarding these figures before the loan closed. The lender acknowledged the notice but refused to issue a " Tolerance Cure. '' On XX/XX/year>, following the closing, the lender issued a final response stating they " identified no errors '' and considered the matter " closed, '' despite the clear mathematical breach of federal tolerance limits. Abusive Practice : By ignoring my pre-closing warning and funding the loan regardless, the lender has engaged in an abusive practice by profiting from 30 years of interest ( at 5.875 % ) accrued on their own legal overages. I am requesting a formal investigation into the lender 's " check-box '' Change of Circumstance procedures for systemic non-compliance and the application of Tier XXXX civil money penalties for willful intent. Instructions for Filing : Uploads : When the portal asks for documents, you must upload : Your initial Loan Estimate ( showing the {$1300.00} credit and {$1200.00} title fee ). Your final Closing Disclosure ( showing the {$620.00} credit and {$1500.00} title fee ). The email you sent before closing warning them of the error. Their XX/XX/XXXX email where they said the matter is " closed. '' The Goal : By filing this, you are creating a federal record that they ignored a warning. This is what triggers the highest level of penalties for a lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: TX

Complaint narrative:
Over the past several years US Banks marketing department has been sending me offers implying that I qualify for an upgrade of my approximately decade-old, and in good standing relationship, which I have maintained over the years with my current active State Farm / US Bank credit card, encouraging me to apply, most recently, for a State Farm Premier Cash Rewards Visa Signature Card. My impeccable payment history with the three current US Bank credit cards I either own, or I am listed on as an authorized user on my wifes {$20000.00} XXXX XXXX US Bank card, is not disputed as I have never been late on a payment due to any of my US Bank credit cards. Also, my impeccable relationship with State Farm Insurance Company is over half century old as I still pay premiums monthly on a State Farm whole life insurance policy. My well over six-figure retirement income, of which over sixty percent is not subject to federal of state income tax, is permanent and all of my federal government-backed retirement income is adjusted upward every year via the annual Cost Of Living Adjustment. I have over eighty percent equity available for potential immediate liquidity in each and every real asset I own including my present homestead mortgage that I can pay off with cash at any time in the near future but have chosen not to as the interest rate on my mortgage with XXXX XXXX is only 2.88 APR. My debt-to-income ratio is to be envied by the majority of Americans and my current credit card debt ratio to my personal credit available is currently only nine percent as it was on the day US Bank performed yet another hard pull against my credit bureau, which by the way is lower than at any time in my credit history.

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