vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital one is always holding my direct deposits from my employer for multiple days. They needs to make the funds immediately available. When I call them they gaslight me and tell me nothing is pending. My employer always submits my check before XXXX on Tuesday

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MA

Complaint narrative:
I have an email for an alleged debt of {$39.00} pursued by Harris & Harris XXXX XXXX XXXX XXXX. They are trying to collect an alleged debt from XXXX XXXX ( XXXX XXXX ). I sent them the below email on XX/XX/year> when their internal debt collection team was trying to contact me to collect. I did not get any response from this email, and am now being harassed by Harris & Harris. Email Sent XX/XX/year> Hello, The reference number for the debt you are trying to collect is * Redacted *. I canceled my service with XXXX in XXXX of XXXX due to poor coverage and a website that did not work. The website said my plan was canceled and yet XXXX still tried to charge me for XXXX. I called XXXX on XX/XX/year> and have the phone record of me placing this call, I spoke with an agent who said my plan was canceled and I should not have been charged the {$39.00}. I will not be paying this debt due to your company 's poor technical abilities. I will dispute any collection attempts you make and it will cost more in labor than the {$39.00} that you claim is owed in error and will file a complaint with CFPB if any further attempts are made to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am submitting this supplemental complaint regarding Bank of Americas continued mishandling of a force-placed wind insurance issue on my mortgage loan. Previously, I filed a complaint regarding Bank of Americas improper force-placement of wind insurance after it acquired servicing of my mortgage from XXXX XXXX in XX/XX/XXXX. XXXX XXXX had serviced this mortgage for approximately three years without requiring wind insurance. Bank of America failed to properly notify me that wind coverage was allegedly required following the servicing transfer. I did not receive meaningful notice until XX/XX/XXXX, when I discovered that Bank of America had force-placed wind insurance with an approximately {$45000.00} premium and improperly backdated the coverage to XX/XX/XXXX. Bank of America has now partially acknowledged wrongdoing by agreeing to refund approximately {$18000.00} of the charges. However, the bank is still attempting to hold me responsible for the remaining balance for only a short period of force-placed coverage, despite continuing to fail to provide proper documentation and justification for the charges. The remaining amount is still commercially unreasonable, excessive, and unsupported. Bank of America has still not adequately provided : Proper proof of all RESPA-required notices Proof of timely mailing of notices A lawful basis for backdating charges Documentation supporting the premium calculation Evidence that the premium reflects fair market value Documentation explaining why the amount charged was necessary or reasonable The fact that Bank of America refunded a substantial portion of the charges further supports that the original force-placement and billing were improper. This conduct continues to violate RESPA and Regulation X, including but not limited to : Improper force-placement procedures Failure to provide required notice and cure periods Improper escrow charges Failure to adequately respond to Requests for Information and Notices of Error Potential unfair , deceptive, or abusive acts or practices ( UDAAP )

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 2026-05-07 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
To Whom It May Concern, I have been trying to get a refund from DELL/Comenity since XX/XX/XXXX. I have made at least 20 phone calls to DELL who tells me I need to work with Bread/Comenity Finance . I have made many, many phone calls to Comenity customer service, speaking with supervisors, to get this issue resolved. I filed my first dispute in XXXX. I made several calls since then and I have been told it is not resolved yet. My frustraion is that I have provided documentaion showing that DELL wrote on their website that I was refunded on XX/XX/XXXX. There is no issue with XXXX saying they never recieved the item back. My PC was financed through DELL so they can clearly see I was never credited. In my opion this should have been resolved in three weeks back back in XXXX, yet here is XXXX of XXXX and I am still fighting for my refund. I have attached documentation to support my claims. I would appreciate any help I can get becasue I just recived another message from DELL thanking me for my patience and telling me I need to wait another 90 days. I feel like I am in the twilight zone as this is the worst customor service for a very starightford I have ever dealt with. I would appreciate any help you can provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am filing a formal complaint regarding National Credit Systems and XXXX XXXX XXXX concerning inaccurate debt reporting and failure to properly validate disputed charges. The collection account being reported includes alleged unpaid rent and a {$720.00} damage charge that have not been properly substantiated despite repeated written requests for documentation. Bank records show payments made to XXXX XXXX during the disputed period. However, the collection agency continues reporting the account without providing sufficient supporting evidence. Furthermore, no move-out inspection documentation, repair invoices, photographs, or itemized damage reports have been produced. The landlords own records also indicate that prorated credits were issued at move-out, supporting our position that management requested early vacancy before lease expiration. I respectfully request that the CFPB investigate the conduct of National Credit Systems and XXXX XXXX XXXX regarding : Failure to properly validate disputed debt Reporting inaccurate information to consumer reporting agencies Failure to provide supporting documentation for alleged damages I am requesting correction and removal of inaccurate reporting from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 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: SOFI TECHNOLOGIES, INC.
State: OR

Complaint narrative:
On XX/XX/year>, a fraudulent charge was made on my credit card for XXXX. I reported it to the credit card company XX/XX/XXXX and they removed the charge from my statement. When I called I made sure to speak with someone in the fraud department not disputes department. On XX/XX/XXXX the charge was added back to my account. I reached out and an agent informed me that the case had been moved from fraud to dispute due to an employee mistake. At this point they told me that the dispute department closed the case since it wasn't a dispute department case. They assured me that the case would get resubmitted to Fraud and the process would continue. I reached out multiple times since then to see about progress on the case and was told multiple times that its being worked on and that I'll see the charge off my account for now. Most recently I called XX/XX/XXXX and was told that XX/XX/XXXX I should see it off my account. It is still there and I still can not reach the person investigating my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I am disputing the reporting of this Barclays Bank Delaware account appearing on my credit reports. This account continues reporting ongoing derogatory monthly updates and inaccurate charge off information that has not been properly verified. I requested a complete investigation and verification of the account reporting history, including the accuracy of the balance, payment history, and monthly reporting updates, however the information provided has been insufficient. The continued monthly derogatory reporting is causing significant harm to my credit profile despite the reporting remaining inaccurate and unreliable. Under the Fair Credit Reporting Act, only fully accurate and verifiable information may remain on a consumer report. Because this account reporting remains misleading, inaccurate, and unverifiable, I request immediate correction or deletion from all consumer reporting agencies.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
1. Description of the Issue I am filing this complaint against Capital One for their failure to protect my account from unauthorized access, their failure to notify me of security breaches, and their refusal to process disputes for fraudulent transactions totaling {$100000.00}. 2. Statement of Facts Discovery of Fraud : On XX/XX/year> I discovered that my account had been compromised. There were unauthorized transactions totaling {$100000.00}. Unauthorized Access : Upon contacting the bank, I was informed that multiple unauthorized devices had been linked to my account. When I reset my password I saw that another individual identified as " XXXX '' had gained access to my account and using that username to access my account. I was also informed that multiple unauthorized representative or third parties were linked to my account without my consent. Communication Failure : The bank failed to send me any sort of notifications regarding this activity, but they admitted the emails were sent to the wrong email address because the hacker had changed my contact information. The bank did not use secondary verification ( like a phone call ) to confirm these high-value changes or transactions. Account Restriction : Capital One has restricted my account and stated they intend to close it. Crucially, they informed me that I can not dispute these fraudulent items until the account is closed, which is a violation of my rights under the Electronic Fund Transfer Act ( Regulation E ). 3. Actions Already Taken I have been proactive in reporting this identity theft and financial fraud : Filed a report with the Sheriffs Department Filed a complaint with the FBIs Internet Crime Complaint Center ( IC3 ). Emailed the Capital One Investigations Department directly with all supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Service International Corp
State: TX

Complaint narrative:
CREDIT SERVICE INTERNATION Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XXXX XXXX, XXXX Status UNPAID Balance Date XXXX XXXX, XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification UTILITIES Last Payment Date Date of First Delinquency XX/XX/XXXX Comments The company was called and they never responded with a follow-up, providing the enrollment deal which i was offered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I reached 120 qualifying PSLF payments in XX/XX/XXXX for one loan and XX/XX/XXXX for another while employed in qualifying public service. However, the loans wer e not discharged at that time and continued to show active balances. I was not notified that I had met the PSLF eligibility requirements. Because the loans remained active in the system and appeared to require repayment, I believed I was still obligated to pay them. On XX/XX/XXXX, I made a lump sum payment totaling {$15000.00} to pay off these loans in full. This included payments of {$14000.00} and {$230.00}, confirmed by XXXX XXXX. After this, on XX/XX/XXXX, my remaining loans were transferred from XXXX XXXX to AidVantage. On XX/XX/XXXX, I consolidated my remaining loans. The loans paid in full in XX/XX/XXXX were not included in the consolidation. I later applied for PSLF in XX/XX/XXXX and was informed that these loans are not eligible because they were paid in full prior to application. However, I had already exceeded the 120 qualifying payment requirement years earlier. These payments were made only because the loans were not discharged and continued to show as owed, and I was not informed of my eligibility. If the loans had been properly discharged when I reached eligibility, or if I had been informed that I had met PSLF requirements, I would not have made the {$15000.00} payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
I, the consumer, formally disputed the alleged account and requested validation and verification of the companys authority to collect. The company failed to provide sufficient documentation within the time permitted under federal law and continued furnishing adverse information during an unresolved dispute. An estoppel notice was sent after expiration of the validation period, yet reporting continued. Due to failure to validate and continued reporting during dispute, I, the consumer, requests immediate removal of the tradeline.

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 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
In XXXX, I vacated my apartment managed by XXXX XXXX XXXX after losing my job. I left without formally notifying management. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX contacted me via email about an outstanding balance and offered a Full Rental Forgiveness Program that would bring my account to XXXX balance and cancel the eviction process if I moved out. I responded confirming I had already vacated approximately 4 months prior. XXXX acknowledged in writing that they were unaware I had left and that the unit showed occupied during a XX/XX/XXXX inspection. The balance being collected by National Credit Systems ( {$11000.00} ) includes fees that accumulated during the period after I vacated, which XXXX confirmed in writing they were unaware of. I have email documentation of this entire exchange dated XX/XX/XXXX. I previously filed CFPB complaints in XX/XX/XXXX ( complaint numbers XXXX and XXXX ) which remain unresolved and open. National Credit Systems continues to actively report this debt as of XX/XX/XXXX. Additionally, I have hotel and airline receipts from XXXX, PA demonstrating that I was physically located in XXXX during the period XXXX claimed the unit was still occupied, further confirming I had vacated the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Newport Intermediate Inc.

Complaint narrative:
I am submitting another complaint regarding the handling of my blocked transfer in the amount of {$2300.00} from XX/XX/year>, which remains unresolved after more than three years. I am deeply concerned by the continuously changing explanations and inconsistent responses provided by North Lane Technologies throughout this matter. Over the course of multiple complaints, the companys position has repeatedly changed : Initially, I was provided with documentation and instructed to use it in connection with recovering my funds The company later claimed that the documentation belonged to my account After further complaints, the company stated it was investigating whether I had received information belonging to another party Most recently, the company stated it completed an investigation and took appropriate steps, while refusing to explain the outcome or provide transparency regarding what was discovered This ongoing change in position raises serious concerns regarding the accuracy and reliability of the information provided to me. The original document sent to me contained : a different transaction date a different amount identifying information that did not match my personal details I have since independently confirmed that the information contained in that documentation belonged to another individual. Despite this, instead of clearly informing me that an XXXX XXXX XXXX XXXX XXXX license was the required process to retrieve my blocked funds, I was instructed to use documentation that was unrelated to my actual transaction. This caused confusion, misdirected my efforts, and contributed to years of delay. Only after repeated complaints and regulatory escalation did the company later provide a different XXXX document that more closely matched my actual blocked transfer details. At this stage, I remain concerned that : the company has continuously changed its explanations and responses incorrect information was previously provided to me and defended as accurate I was directed to rely on documentation that did not relate to my actual transfer no clear explanation has been provided regarding how this occurred the company refuses to provide transparency regarding the results of its own investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have a debt from trans world for a natural disaster of {$3500.00}. I contacted the apartments I contacted collection. I asked for proof of these charges. Nobody can give me proof. I contacted the apartments and ask them. What are these charges their response? Was you have 15 days to dispute I said I never received an invoice a letter or anything. No natural disaster happen at all in the terms of my lease. I have disputed this off my credit several times, but all they doing is changing the date of the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: NH

Complaint narrative:
I requested a refund on XX/XX/XXXX for a money order for XXXX. The money order was written out in correctly and can not be used to pay rent. On Tuesday XX/XX/XXXX I was told that I would receive the XXXX to pick up the money for the refund within a few hours of ending the call. No mtcn was supplied no updates from the company. On XX/XX/XXXX I was told that I would receive a call back from the agent with an update and the mtcn number. No call was received. On XX/XX/XXXX I received repeated information still have not received any update. I was told the refund was approved and it would take up to 5 days to issue the refund. We are on day # 7.

Company response to consumer: Closed with explanation