vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked on XXXX a deal of driving lessons with the company XXXX XXXX XXXX XXXX the day XX/XX/22. It was {$160.00} for the coupon, as soon as I paid I called the company and they answered just fine they told me to give them my XXXX code and told me that I needed to pay {$290.00} more so I can rent their insurance for the car, I gave them the code and paid the extra fee and after that they told me that they were going to send me a text or email scheduling my class, the same day within XXXX hour after purchasing the coupon they gave me a date more than XXXX MONTH APART ( end of XXXX ) that didnt work for me like paying and waiting more than a month to have my class? Not for me. Right away I told them that that date didnt work for me and that I wanted a refund, they stop replying my messages and ignoring my calls. I tried communicating with XXXX and explain them my situation and they just washed their hands saying that the company redeemed my code and that I did my classes with them which is not true. After trying to contact the company MANY times, there was never a reply, I decided to fail a complain with XXXX XXXX XXXX they tried to reach out the company with no success. I also called my bank CHASE to report this issue and explained that the business is unresponsive and didnt provide the service. They refunded me the money while they investigated but after weeks they just took back the refunded money saying I did pay for the service, they didnt provided me any evidence of anything. I reopened the case and explained AGAIN that I did pay for the service however the company is unresponsive and do not provide the service I paid for. After couple more weeks they again closed the investigation and told me it was my fault. Then I tried texting the company from other number to see if they answered and when I confronted them about my booking lessons they told me that they were going to block that number and sent me a email to book a lesson. I told them again that ive been trying to communicate with a manager or supervisor in their company with no success but they stop replying again. Now weeks pass and there is no response from the company nor from the bank showing me their investigation. I provided all the evidence to the bank including my XXXX XXXX XXXX claim, the payments, dates, names, all my texts, all the emails, the XXXX deal I bought, as well as all the claims I found about that business. This is a clear case of business not provided, I work really hard to earn my money and its not fair that the bank doesnt provide the help necessary in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST PORTFOLIO SERVICING INC
State: TX

Complaint narrative:
I entered into an auto loan promotional payment agreement originally established with XXXX, where my monthly payments were automatically scheduled and withdrawn from my XXXX XXXX bank account. I complied fully with this payment arrangement, and all payments were made as scheduled under the original promotional structure. The loan servicing was later transferred from XXXX to XXXX. After this transfer, the new servicer has not honored or recognized the original promotional payment agreement established with XXXX. As a result, my account is now being reported as delinquent, and additional interest, fees, and charges are being applied based on this incorrect classification, despite my full compliance with the original payment schedule. I have contacted the company requesting a full explanation of my account balance, a detailed itemization of all charges, and clarification of why the original promotional agreement is not being applied. The company has not provided a substantive response and only provided a summary balance without supporting documentation. I am disputing the delinquency status and all additional charges resulting from the failure to honor the original promotional agreement. I request that my account be corrected to reflect my payment history under the original agreement and that all improper fees and interest be removed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I mailed a written letter to National Credit Systems , Inc. regarding an alleged rental debt in the amount of {$4200.00} associated with XXXX XXXX XXXX XXXX In my written correspondence, I requested written confirmation of settlement terms and documentation verifying the accuracy of the debt and the companys authority to collect it before making payment. As of XX/XX/year>, I have not received any written response from National Credit Systems , Inc. acknowledging my request or providing the requested information. The account continues to be reported on my credit report despite my good-faith effort to resolve the matter. I am requesting that National Credit Systems , Inc. provide proper documentation verifying the debt, confirm their authority to collect, and respond to my written request so that this matter can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
My friend 's email was hacked, they got into her XXXX account and changed the password, listed things for sale, and i made a 'down payment ' on a car she was selling for her ailing uncle. I tried to file a dispute immediately with Venmo but they said the payment was PENDING and I had to wait until the transaction was complete to file the dispute. They then told me I would need to get the seller to approve the payment be released to me. That's not going to happen. I didn't have the funds in my Venmo account to cover the payment so I contacted my bank, XXXX XXXX XXXXXXXX and told them not to fund a {$2500.00} purchase to Venmo. It was all good and I never heard from Venmo that I didn't have the funds in my account. The dispute was still open but I never heard from them. XXXX days later my friends started sending me money to cover a rental vacation home and the minute the account got to {$2500.00}, Venmo pulled the money out even though I had an open, unresolved dispute filed. I wrote an email explaining it was a scammer and not to pay them. I said it was fraud but Venmo said I had authorized the payment, and in order to get my money back I had to file a police report, which I did with my local police department, and with the FBI Internet crime decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
I have been receiving constant phone calls of harassment, abusive and profane language, threats of being sent to jail and prison from Jefferson Capital, LLC, debt collection representatives regarding a credit card debt of {$650.00} thats not my debt and is the result of identity theft. The debt collection account is a fraudulent account and is the result of identity theft. Jefferson Capital is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law 15 USC 1692. Full Name : XXXX XXXX XXXX, DOB : XX/XX/year>, SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meade Recovery Services, LLC
State: UT

Complaint narrative:
I paid my debt to Orginal debtor. XXXX XXXX XXXX of XXXX on XX/XX/year>. Proof of payment was submitted to XXXX XXXX XXXX with debt answer and proof. XXXX Collector XXXX is still suing me for XXXX debt and attorney fees. Attorney states I have to prove payment which I did from my Bank account and the receipt from the online payment and they say I have to get written proof from someone who signed off on my payment and all y EOBs

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management , Inc . XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Formal Demand for Debt Validation and Notice of Dispute Original Creditor : XXXX XXXXXXXX XXXX / XXXX XXXX, XXXX. Alleged Balance : {$3000.00} To Whom It May Concern, I am in receipt of your correspondence regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, this letter serves as my formal written dispute and demand for validation of the alleged debt. I dispute this account in its entirety, including but not limited to the amount, ownership, legal enforceability, and accuracy of credit reporting. Additionally, I note a discrepancy between the amount being reported by Midland Credit Management ( {$3000.00} ) and the amount presently reflected on my credit report under the XXXX XXXX / XXXX XXXXXXXX XXXX tradeline ( {$1900.00} ). This inconsistency raises substantial concerns regarding the maximum possible accuracy required under the Fair Credit Reporting Act, 15 U.S.C. 1681e ( b ) and furnisher duties under 15 U.S.C. 1681s-2 ( b ). Accordingly, I demand that you provide competent documentary evidence establishing the following : 1A copy of the original signed cardholder agreement 2Complete account statements and payment ledger from origination through charge-off 3The exact date of first delinquency 4Itemization of the full balance, including principal, interest, fees, and charges 5Documentary proof of Midlands legal ownership and chain of assignment 6Purchase / assignment agreement from the original creditor 7Proof of your legal authority to collect in this matter 8Verification of the amount currently being reported to all consumer reporting agencies 9Documentation explaining the discrepancy between {$3000.00} and {$1900.00} 10Copies of all notices allegedly mailed Pending full validation, you are hereby instructed to : cease collection activity cease telephone communication mark the account as disputed by consumer refrain from furnishing inaccurate information to any credit reporting agency Any continued collection activity or reporting without proper validation may constitute violations of the FDCPA, 15 U.S.C. 1692e, 1692f, 1692g, and the FCRA. If validation can not be produced, I demand immediate deletion of all tradelines associated with this account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, Tx, XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ] [ CREDIT ACCEPTANCE CORP ] [ XXXX XXXX XXXX XXXX XXXX ] [ XXXX, MI, XXXX ] RE : CEASE & DESIST / DEBT VALIDATION DEMAND - VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within XXXX calendar days from the date of this letter : 1. The original signed contract or application bearing my signature showing liability for this debt. 2. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. 3. A copy of the bill of sale or purchase agreement showing your agency legally owns

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting this complaint as a documented victim of identity theft regarding a fraudulent account being reported by LVNV Funding LLC. This account ( ending in XXXX ) was opened and/or used without my knowledge or authorization. According to my FTC Identity Theft Report ( Report # XXXX ), this account is the result of criminal misuse of my personal information and does not belong to me. I have already submitted proper documentation, including my FTC Identity Theft Affidavit and supporting evidence, yet LVNV Funding continues to report and attempt to collect on this fraudulent account. This is a direct violation of federal law. Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), once an identity theft report is submitted, the furnisher and credit reporting agencies are required to block and remove fraudulent information from my credit file. There is no discretion in this matter. Additionally, under 15 U.S.C. 1681s-2 ( a ), LVNV Funding has a duty to report accurate information. Reporting a known fraudulent account is a violation of this obligation. Furthermore, continued collection efforts on a disputed fraudulent account may constitute violations under the FDCPA ( 15 U.S.C. 1692e and 1692f ) for deceptive and unfair collection practices. If LVNV Funding can not provide verifiable documentation bearing my signature proving I authorized this account, then continued reporting is unlawful. Failure to comply will result in escalation, including formal complaints to additional regulatory bodies and potential legal action. This matter is time-sensitive and requires immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I closed my Capital One [ checking/savings account At the time of closure, Capital One told me a check for my remaining balance of around $ XXXX would be mailed to my address on file :. In XXXX It has been approximately 2 years and I have never received the check. Since, I have contacted Capital One about this issue on the following dates : XXXX. Called customer service, rep said check was mailed on and to wait XXXX business days. XXXX. Called again, was told a stop payment would be placed and a new check issued. No check arrived. The account remains closed and I still do not have my funds. Capital One has not provided proof of mailing, a copy of the cashed check, or confirmed if the check was returned as undeliverable. They have not reissued the funds despite multiple requests. Why XXXX filing this complaint XXXX. * Failure to deliver funds after account closure * : Regulation XXXX and XXXX require banks to make funds available to customers. A XXXX delay to return a closed-account balance is unreasonable. XXXX. * No resolution after multiple contacts * : I gave Capital One multiple opportunities to fix this by reissuing the check or providing proof it was cashed. They did not. XXXX. * Potential escheatment issue * : Unclaimed funds are required to be sent to state unclaimed property after a dormancy period. Capital One has not confirmed if they escheated the funds or still hold them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
Every time I get a chance to pay the bill on time before the die date they continue to charge me a late fee as well as in a processing fee. If I have. For example made a payment XXXX and was charged a interest rate fee of XXXX but was told at the store the the annual apr was 0 % for the first year and yet looking at the statement it says 34.99 %. Now the account is closed and everytime I make a payment the processing time takes to long and still charges me a late fee

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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: World Omni Financial Corp.
State: AL

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX ( XXXX : XXXX ) from XXXX XXXX XXXX in XXXX, AL through a Retail Installment Sale Contract. The contract was assigned to World Omni Financial Corp . I am a XXXX XXXX XXXX Alabama ( XXXX ) employee and qualified for XXXX XXXX corporate programs : the Vehicle Special Purchase Program ( VSPP ), which provides preferred pricing below MSRP, and the T-DRIVE program, which provides a {$3200.00} cash benefit toward purchase. The factory XXXX label shows a true MSRP of {$31000.00}. XXXX XXXX XXXX added a {$4000.00} " XXXX XXXX '' and {$1900.00} in dealer accessories, inflating the price to {$37000.00}. Despite claiming to apply employee program benefits, the final pre-tax contract price was {$32000.00} above true MSRP. XXXX is designed to provide pricing below XXXX, not above it. The T-DRIVE benefit of {$3200.00} does not appear correctly applied ; only {$620.00} appears as a rebate on the contract. Additionally, {$10000.00} in optional add-on products were financed into the loan without adequate disclosure of their optional nature or cancellation rights : a {$4900.00} service contract, {$2900.00} tire and wheel protection, and {$1200.00} XXXX contract. These were financed over 75 months at 5.74 % APR, bringing the total amount financed to {$41000.00} and total cost to {$52000.00}. On XX/XX/XXXX, I contacted the dealership by phone. The sales XXXX verbally acknowledged that the add-on products were optional, that cancellation had always been available, and explicitly stated that I " didn't realize what I was signing '' at the time of purchase. These calls were legally recorded under Alabama one-party consent law. The dealership offered only {$3400.00} in prorated cancellations on {$10000.00} in products financed over XXXX years which does not address the interest paid, the employee program discrepancies, or the XXXX years of financial harm. The FTC Holder Rule notice is printed on the face of this contract, making World Omni Financial Corp liable for these claims as the current holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX XXXX : I am filing this complaint against PNC Bank regarding a missing fund totaling {$7100.00}. Since XX/XX/XXXX, these funds have been removed from my business account but have not been credited back, nor received by the intended recipient bank ( XXXX XXXX ), effectively disappearing within the banking system. Detailed Timeline & Facts : Initial Transaction ( XXXX XXXX ) : A check was issued from my PNC Business account. The check subsequently bounced. Automatic Re-presentment : XXXX Bank ( the receiving bank ) automatically re-presented the check XXXX days later on XX/XX/XXXX. It " bounced '' a second time according to XXXX Bank ( attached please find their " back office log '' ). The Disappearance : Following the second bounce on the XXXX, the amount of {$7100.00} was never returned to my PNC account. Evidence of Error : XXXX Bank has provided a " Back Office Log '' explicitly showing that the money was NOT received by their institution. However, PNC continues to deny that the funds were returned to them or are in their possession. Failed Internal Resolution : I opened a case with the PNC " Back Office '' ( Case Ref : XXXX ). PNC denied the claim, stating " Not a Fraud. '' This is a misclassification of the issue ; I am not claiming identity theft, but a systemic accounting/clearing error where funds are stuck in a suspense account or failed to bridge between the two institutions. Financial Impact ( Updated XX/XX/XXXX ) : Principal Loss : {$7100.00}. Accrued Interest Loss : My business operates on a working capital line with a 12 % annual interest rate. Because these funds have been missing for XXXX days, I have incurred {$350.00} in additional interest expenses as of today, XX/XX/XXXX.

Company response to consumer: Closed with explanation