vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount GR Holdings, LLC
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a financing agreement through GoodLeap that appears to contain undisclosed and conflicting interest terms. In XX/XX/XXXX, I financed a {$6100.00} water softener purchase using GoodLeap, based on a contract stating a 12.99 % interest rate. I have since been informed that I am being charged a 2 % daily interest rate, which was never disclosed in the contract I reviewed and signed. As of XX/XX/XXXX, my balance is {$5900.00}, despite having made 19 payments of {$78.00}. I requested clarification from GoodLeap and have been unable to reconcile this balance with the agreed-upon terms. In addition, I have made multiple attempts to resolve this issue directly with the XXXX XXXX who sold and installed the system. I have spoken with the manager, general manager, and even the company president, but my concerns have not been addressed. The equipment itself has also caused ongoing issues. I experienced the damage due to a failing hose, which required a costly repair of nearly {$500.00}. This hose is expected to fail approximately once a year. This issue led to damage in my laundry room, leaving chemical residue across the floor and compromising its condition. I was forced to file an insurance claim due to this damage. Furthermore, During installation, XXXX routed the water softener discharge line into or through my crawlspace. As a result, I am concerned that brine and chemical discharge is accumulating beneath my home. This raises safety concerns and has limited my ability to safely access and repair the area. As I attempt to repair the floor, I contacted XXXX to disconnect the water softener unit so the work can be completed safely. They have refused to assist. This has left me unable to proceed with necessary repairs in a space that also contains my HVAC system, water heater, washer, and dryer. I am increasingly concerned about the structural safety of the floor. I feel that I have been placed in an unfair and harmful situation. Not only was I potentially misled regarding financing terms, but the product and lack of service support have caused financial strain and property damage. XXXX has also not taken responsibility for partnering with a financing company that may be charging undisclosed and excessive interest. I respectfully request assistance in reviewing this financing agreement, confirming whether these interest charges comply with consumer protection laws, and helping resolve this matter. I can provide copies of the signed contract, payment history, insurance claim documentation, and correspondence upon request. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am a New York constituent. Chase Bank froze my account and is holding my funds. I have received conflicting explanations and have been unable to resolve this despite repeated efforts. I respectfully request assistance or guidance in escalating this matter through the proper regulatory channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
I purchased a vehicle in XXXX XXXX the car was quoted to me at XXXX. I made a down payment of XXXX I made consistent payment since then of {$1100.00}. My car has never been repo. I do not have an outstanding balance I had an accident and now the company is telling me I owe triple what I was quoted. I have the original agreement I dont know how that is possible. American credit acceptance, the vehicle is not totaled out and theyre still saying they might not take it so Im stuck between that and my credit they dont wan na make good on the agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: FL

Complaint narrative:
I attempted to trade in my vehicle at XXXX, but VW Credit prevented the transaction by refusing to work with XXXX on the payoff. XXXX had a written notice posted at the desk stating that vehicles financed through VW Credit must first be paid off before XXXX can proceed. I then contacted VW Credit customer support, and they provided no reasonable option other than requiring me to personally pay off the vehicle loan first. Because I had the funds available, I paid off the loan in full on April 13, 2026, in the amount of {$24000.00}, for loan number XXXX. My intent was to satisfy the XXXX, obtain a lien release/title, and then take my paid-off vehicle to the dealer of my choice for trade-in. Only after submitting the payoff did VW Credit disclose that there would be a 6-business-day waiting period for payment processing. I called VW Credit on XXXX XXXX XXXX and customer service told me the lien would be released next week. I relied on that representation and waited. The following week passed, but the lien was still not released. When I called VW Credit again, I was then told something different : that I would have to wait until XXXX XXXX XXXX for proof of funds, unless I contacted my bank and obtained a Letter of Guarantee so VW Credit could release the XXXX sooner. This process has been unreasonable and harmful. VW Credit first restricted my ability to trade the vehicle to XXXX, then forced me to pay off the vehicle personally, then delayed release of the lien after accepting full payment. Their explanations have shifted from a 6-business-day processing period, to a lien release next week, to a later date of XXXX XXXX XXXX, unless I perform additional work to obtain a bank guarantee letter. VW Credits delay is preventing me from freely selling or trading in a vehicle that has now been paid in full. I am asking the CFPB to investigate VW Credits payoff, third-party sale, and lien release practices, and to require VW Credit to immediately release the lien and provide written confirmation of the release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: HI

Complaint narrative:
I believe Loan Depot is steering my homeowners insurance to their preferred ( or forced-place ) provider. They are creating a predatory situation where no other insurance company can come close to matching the inflated price they are demanding. In effect, they appear to be monopolizing both the choice of insurer and the timing of when the premium must be paid through their escrow account. This issue has arisen suddenly and unexpectedly across three different mortgages I hold with * * Loan Depot, XXXX, and XXXX XXXX * * all of which I have had for years. In some cases, the loans were recently opened and the insurance coverage was already agreed upon at closing. Despite this, I began receiving letters demanding additional or different insurance coverage. When I provide proof of wind insurance, they say I need hurricane insurance. When I provide hurricane insurance, they claim it is not enough coverage. If the policy does not include outside walls, they require inside walls. Once inside walls are covered, they then demand upgrades to the property. It has become a never-ending cycle in which they continuously search for something else they can require me to insure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing a complaint regarding two accounts being reported and collected by Midland Credit Management. I submitted written requests for validation of both accounts. In response, Midland Credit Management provided incomplete and insufficient documentation. For Account ending in XXXX ( original creditor : XXXX XXXX XXXX ), the company provided only limited information and failed to supply a complete transaction history or itemized accounting of the balance. For Account ending in XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), the company again failed to provide a complete accounting of the balance. The documentation provided did not include a full transaction history, nor did it explain how the balance was calculated. In both cases, the company did not provide : - A complete transaction history from account opening through charge-off - An itemized breakdown showing how the balance was calculated - A signed agreement or contract bearing my signature - Sufficient documentation establishing the accuracy of the balances Despite this lack of documentation, both accounts continue to be reported to the credit bureaus as verified. I also disputed these accounts with the credit bureaus, and they were marked as verified without evidence of a reasonable investigation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), only accurate and verifiable information may be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX there was a charge put on my prepaid vanilla XXXX of {$50.00} For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am living in XXXX, XXXX and we don't have XXXX service in this city not have I been to XXXX, XXXX in over 10 years! This is what happens when you use credit cards online I have found out in the past! Also have screen shots, case number, email from the credit card company!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P&B Capital Group, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting a collection account on my credit report with an open date of XX/XX/XXXX and a balance of {$2500.00}. The reported open date does not match records I have from XXXX, which indicate this account originated in XXXX. This appears to be re-aging of a debt, which is a violation of the Fair Credit Reporting Act. The reported amount also does not appear accurate. I requested debt validation including the original account date and itemized balance. The company did not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
XX/XX/XXXX 5 unauthorized transactions came out my account from XXXX XXXX XXXX. I disputed the transactions and cancel my card because my card was stolen. The Rep I spoke with when I called she was suppose to dispute all but 1 because it was still pending and she only did 1 so I had to call back and get the other 3 disputed so that made it look like I had 2 disputes going. Then once the other one processed I was able to dispute that one and that made it a total of 3 disputes. They kept denying them and I kept reopening them sending in documents and everything! The money they took was my baby shower money which is coming up XX/XX/XXXX. They finally approved one yesterday XX/XX/XXXX for the amount of XXXX but keep denying the other 4 which is 3 XXXX and 1 XXXX. I sent in the same documents for those just like the one that was approved and they keep denying them! I spoke with someone today and asked her for the actual bank number and she hung up in my face after she gave me the wrong number. The bank is Chime been with them since XXXX and never had a problem with them until now! The XXXX and XXXX are how many times I have reopen the disputes. I sent the email they sent me for the one that was approved and why they approved it. I sent in the documents as well that I sent for each dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I went to the ATM to take money out and nothing came out the ATM, I filed a dispute but Im getting several conflicting things, under the policy if it takes more then 10 business days I should get a provisional credit until investigation is complete, I need a clear answer and some type of email stating I filed but I have gotten nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
b"Statement of Facts:\nOn XXXX XXXX XXXX XXXX XXXX XXXX XXXX received a legitimate wire transfer in the amount of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The sender voluntarily authorized the transaction and explicitly included the description 'PURCHASE ENTITY', confirming the commercial intent of the payment.\n\nActing in good faith and relying on the finality of the wire transfer, the company fulfilled its contractual obligations by delivering the corporate entity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Delivery was confirmed via USPS Certified Mail (Tracking XXXX XXXX XXXX XXXX XXXX XXXX) and email.\n\nOn XXXX XXXX XXXX three weeks after the product was delivered, Bank of America processed an unauthorized 'wire recall' initiated by the sender. This action violates UCC Article 4A regarding the irrevocability of settled funds. Consequently, the bank placed a hold on the XXXX and restricted an additional XXXX of unrelated, legitimate business funds.\n\nDespite filing a formal dispute on XXXX XXXX XXXX XXXX XXXX and an FBI IC3 Report (Submission ID: XXXX), the bank has restricted all account access since XXXX XXXX XXXX, failing to provide a legal basis or a timeline for resolution.\n\nAccordingly, we formally request the immediate release and return of all funds associated with the account, including both the original account balance and the additional amount placed on hold, totaling approximately XXXX in restricted funds."

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 2026-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am writing to file a formal complaint against Goldman Sachs ( Marcus ) regarding the unlawful freezing and withholding of my funds, causing significant financial harm and opportunity cost. On [ Date you initiated the transfer ], I initiated a wire transfer of $ [ Amount ] from my Marcus Savings Account ( Ending in XXXX ) to my external brokerage account. Yesterday, multiple Marcus representatives confirmed on recorded lines that the transfer was successful and the funds would arrive by the end of the day. However, today I learned the funds were reversed back to Marcus without my authorization or any notification. When I called to resolve this, representatives subjected me to an endless loop of flawed identity verification, ultimately locking me out entirely because their system refuses to send an authentication code to my primary, active mobile number. Under the guise of " security, '' Marcus previously coerced me into closing my account due to a supposed suspicious login, only to use that as a pretext to further restrict my access. Their customer service has been completely unhelpful, providing contradictory information ( " system upgrades '' vs. " failed authentication '' ) and refusing to offer alternative verification methods ( like XXXX public record questions or document uploads ). They have now placed my account under an indefinite " review '' and refuse to release my money. I am losing significant market opportunities every single day these funds are held hostage. I demand the immediate release of my funds via wire transfer to my linked Interactive Brokers account, and an explanation for this gross negligence and deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I am filing a complaint regarding a loan that was opened under deceptive and misleading circumstances during a door-to-door sales interaction. On XX/XX/XXXX in Nevada, a XXXX salesperson came to my home and encouraged me to switch alarm services. During this interaction, I was asked to complete an application on my phone. At no point did the salesperson clearly disclose that I was applying for a loan. I specifically asked multiple times what I was signing and whether I would own the equipment. The salesperson told me I would own the equipment and did not explain that the equipment was being financed through a {$4500.00} loan. I was also explicitly told that completing the application would not impact my credit. When I reviewed the completed application and asked again what it was, I was told it was simply what I was approved for, without clarification that it was a loan agreement. I would not have agreed to this transaction had I been properly informed. I believe this loan was obtained through deceptive sales practices and a failure to disclose key financial terms. I am requesting that this loan be investigated and removed, and that any associated credit inquiries or reporting be reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened a new account and deposited two checks that I received from a settlement from my former employer. Chas accepted the checks and even waved the hold on one. On the third day after the account was opened i was informed that my account was frozen for suspected fraud. They said the account would be closed and funds would be mailed. After a week I called and was told the funds would be held indefinitely because they were not able to verify the checks. The checks have been cleared through the clearing house and are good. Chase has refused to pay me the money I deposited and has not answered any escalation calls nor have they spoke to my attorney who has been helping me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Since XX/XX/XXXX I've been disputing a credit loan or card with XXXX XXXX. The company transitioned to XXXX XXXX, and the reporting was refreshed to my credit report. XX/XX/XXXX, a new company is claiming I opened a new account XXXX of XXXX for the amount owed. I did not receive funds, or credit from any of these companies and I've been figting this since XX/XX/XXXX. Amount in question is XXXX. I have no contracts or agreements to share. I learned about this from emails sent to me to activate credit. No activation had taken place.

Company response to consumer: Closed with explanation