vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-20 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: IL

Complaint narrative:
I filed a dispute with capital one 3 days ago for over XXXX dollars in CLEARLY fraudulent charges. I explained to the representative this was my rent money and asked how long it would take to see an outcome or receive the credit. He informed me that while the official line is 10 days, due to the charges being obvious fraud, made in a location very far from me, I could expect to see the credit withing a day or two if not immediately. I asked him for an email to send the police report to after I filed it after getting off the phone with him. He discouraged me from filing the report since I didnt know who made the charges and it likely would not do any good.

I feel I was incredibly misled intentionally to make my chances of receiving the credit in a timely manner impossible. My experience with capital one has been beyond disappointing and I cant understand how in this day in age, while every other bank has a streamlined dispute process, capital one does everything they can do discourage you from filing a dispute. I also filed a complaint with the BBB. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I booked a hotel stay through Chase XXXX using my Chase Sapphire XXXX  card. I have not received the {$50.00} annual hotel credit associated with this benefit. 

I first contacted Chase on XX/XX/XXXX, and was told the issue would be escalated to marketing team with a response within 510 business days. I received no follow-up.

I contacted Chase again on XX/XX/XXXX and was told I would receive a callback within 48 hours. I received nothing. 

On XX/XX/XXXX, I followed up once more. The supervisor changed the timeline to 714 business days. No written confirmation or case reference number was provided.

It has now been nearly three months since the transaction posted, and multiple promised follow-ups have not occurred.

I am requesting : 1. Issuance of the {$50.00} hotel credit 2. Written explanation of why this was not processed automatically 3. Confirmation of the escalation history and internal case status

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
XXXX XXXX  XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXXis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

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 ) 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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX I submitted an application for a loan modification with SHELLPOINT MORTGAGE loan # XXXX. I had to call in multiple times to follow-up and confirm, as all the correspondence sent from them to me was addressed to a XXXX address that I never disclosed as I had not been there for over 10 years. It was never part of my file and never used by me as a mailing address. I believe they sent it to that address on purpose so I would not receive any mail from them. 

On or around XX/XX/XXXX I called in to check my application, and was told I was approved for a trial modification plan. In order to be 'approved ' for it, I had to make a payment that day in the amount of {$1000.00}, as well as 3 additional monthly payments of the same amount. I was told once the 4th payment was applied I would be approved for a permanent modification. I made the requested payment over the phone that day. 

I then continued to call and follow up every month when I made my payments over the phone. Each time I was told that yes, I was on a trial plan and the payments were being made accordingly. However, as I continually requested something in writing, they informed me that they could not send anything written until the trial plan was over. They assured me over and over that even though they couldn't put it in writing I was definitely on a trial plan that would be finalized after 4 payments. 

During this time, I made the following payments ( which included the initial payment on or around XX/XX/XXXX : XX/XX/XXXX XXXX Shellpoint XX/XX/XXXX XXXX Shellpoint XX/XX/XXXX XXXX Shellpoint XX/XX/XXXX XXXX Shellpoint On XX/XX/XXXX I received a letter from Shellpoint stating that my servicing was being transferred to XXXX XXXX XXXX. As I had at that point made 3 out of the 4 trial modification payments, I immediately called Shellpoint and made the 4th payment ( XX/XX/XXXX ) so as to met my obligation towards the trial. I then followed up with multiple phone calls to determine the status of the permanent modification. 

It was then that they told me that they had 'never approved me for a trial modification ', despite having told me on the initial and subsequent phone calls that I had. I was then stonewalled by Shellpoint as they said they couldn't speak with me any longer as my servicing had been transferred. 

Shellpoint did not apply any of the trial payments to my account, and my new servicer has no record of those payments from Shellpoint. I am now deep in arrears and face the possibility of foreclosure. 

Shellpoint committed blatant fraud. I am requesting a full payment history from Shellpoint, as well as recordings from every phone call I had with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: AL

Complaint narrative:
POSSIBLEFINA is falsely reporting on my credit. I have never had any accounts with them. Per my research POSSIBLEFINA 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 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX {$1000.00} XX/XX/XXXX. Never had them Lvnv Funding LLC {$1300.00} XX/XX/XXXX Never had them Lvnv Funding LCC {$950.00} XXXX XXXX. Never had them Lvnv Funding LLC {$1700.00} XXXX XXXX. Never had them XXXX {$760.00} XXXX XXXX Never had them XXXX XXXX XXXX {$1300.00} XXXX XXXX Never had them I contacted them and asked for proof and I haven't heard from them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: DISCOVER BANK
State: DE

Complaint narrative:
I had a Money Market account with Discover Bank that began to go through a dormancy process. I contacted the bank before my funds were sent to XXXX  Unclaimed Property. I asked to keep my money in my account but was told that the account was closed and the bank issued a check to me. I was told I could use the check to open a new account with Discover. I signed the back of the check and mailed it to Discover with an application to open a new money market account. The bank received my application/signed check but could not open the account. I have made multiple calls this week and finally got an agreement to send my money back ( sending a check for {$43000.00} ) but they will not give me interest for the time that they kept my money. By holding my money and not opening my account, I am missing over 4 years of interest. 
When Discover could not open my account, why didn't they send this through escheatment and deliver the funds to Delaware Unclaimed Property? That would have given me a chance to recover it and get interest. By holding on to the money, the bank made this money lost. What were they going to do, keep the money for ever? A bank is supposed to be a safe place to keep money, not where it can be essentially lost and forgotten.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
Validation of Debt Request - I.C. SYSTEM INC - XXXXXXXX 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 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 2026-02-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I get paid once a month. I pay all my bills on the first or the second of the month. I received a XXXX XXXX  comenity bank credit card after having work done on my car. on XX/XX/year> I made a {$100.00} payment to my comenity bank account. My payment was not due until XX/XX/year> for {$37.00} dollars. Comenity bank said I missed my payment and charged me a {$30.00} dollar missed payment fee. When I contacted customer service at comenity bank a person by the name of XXXX their response was their bank does not take early payments, and they will only accept payments during each billing cycle or the billing day. I informed comenity this payment requirement was not provided to me when I signed up for their credit card, and they must accept my payment as on time. Another rep from comenity by the name of XXXX XXXX wrote me and said they refunded me a partial payment of {$15.00} dollars as a courtesy, and they do not take early payments. They followed up with if I don't pay on the due date, they will reverse this {$15.00} dollar refund and add more LATE FEES. So, one staff is saying they do have a billing cycle while the other staff is saying the payment is due on the due date with threats to wrongfully assess charges as a punishment, but neither staff sent me this billing stipulation in writing with my signature.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Complaint for : Western Union XXXX XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States Personal identification data collected Social Security number Phone number Mother 's maiden name -in addition to standard information from my government ID to cash international money transfer for {$4100.00}, without providing full data use disclosure of above personal identifying data. This agent also forced me to apply for a debit card in order to release the funds. They say they can put up to {$500.00} in the debit card as part of the fund disbursement, or at the minimum {$100.00}, but I have to apply for a debit card regardless in order to release the funds. The agent walked me through the process of applying for a XXXX XXXX XXXX XXXX even forced me to click " I agree to all marketing '' in order for the application to process. In the end, the lady states the application did not go through and disbursed the cash in money order checks. In reality the application for XXXX XXXX XXXX XXXX XXXX was not necessary. I feel this is a ploy to get my personal information to the XXXX party without my consent. This practice is unethical and unacceptable. Please investigate this western Union practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: IL

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is reporting multiple inaccurate and conflicting details on my credit file. The Date Opened is wrong, the Date of First Delinquency is wrong, and the payment history shows impossible charge off reporting for several years in a row. XXXX  also displays invalid date entries in the comments section. These errors violate FCRA 623 for furnishing information they know or should know is inaccurate and FCRA 607b for failing to maintain maximum possible accuracy.

I previously disputed these errors and the account remained unchanged which shows a failure to conduct a reasonable reinvestigation under FCRA 611. The account is also being kept on my report past the legal reporting period because the DOFD has been altered which is illegal reaging and violates FCRA 605a. These inaccuracies are harming my credit standing and preventing me from obtaining fair credit. I am requesting that the CFPB require Bank of America to correct the DOFD, remove obsolete information, and update all bureaus with accurate data. 

This account has already been removed from all other credit reporting platforms which shows that XXXX  and Bank of America are the only ones continuing to report inaccurate and outdated information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications 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 dealing with stalking and harassment issues in my personal life for many years now that have also affected my personal info which was compromised over the years such as my SSN, birth cirtificate, phones, numbers, social media accounts, old drivers license and state ID as well as an old XXXX  card that I had had. Because of the severity of all of this and how much it has and still affects my life I haven't been able to do much other than try to get back into old accounts when I can, if I can, try to keep track of everything and make it through the day. I have tried to get ahold of the major credit bueros to put alerts on everything but I haven't been able to make contact with anyone yet. I did file something on a .gov site hoping that it would help me with this issue in regards to the idenity theft and ongoing harassment/stalking however I have yet to hear back them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I am filing this complaint against Huntington Bank for failing to properly investigate and resolve a debit card dispute under the Electronic Fund Transfer Act ( XXXX ) and Regulation XXXX ( 12 C.F.R. 1005.11 ). 



On XXXX, {$14000.00} was electronically debited from my Huntington Bank checking account via debit card for a purchase made through XXXX. 



I did authorize the transaction at the time of purchase. However, the item was never received. The seller marked the item as shipped but provided no valid tracking information, and the listing was later removed from XXXX platform. Because the merchandise was never delivered, the electronic fund transfer was not properly completed. 



I made multiple good-faith efforts to resolve the matter directly with the seller, through XXXX, and through XXXX. Those disputes were closed without refund after the listing was removed. 



I then filed a debit card dispute with Huntington Bank. The bank denied my claim, stating that the transaction was authorized. However, Regulation XXXX protects consumers not only from unauthorized transfers but also from electronic fund transfers that were not properly completed. Since the goods were never delivered, this qualifies as an error under 12 C.F.R. 1005.11. 



Huntington Bank has failed to provide proper resolution and has not adequately applied Regulation XXXX protections to my case. This has caused significant financial hardship due to the substantial amount of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX  I spoke with agent XXXX reference number XXXX XXXXXXXX requested the return of my funds via paper check I do not have any other account as my account is closed .the agent refused to escalate to a supervisor XXXX agent XXXX refused both requests paper check and XXXX  speak to supervisor .. company is Block Inc. Cash App XXXX XXXX XXXX in my savings and XXXX in XXXX, thank u cash tag is $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: Trusted Mortgage Capital Inc
State: VA

Complaint narrative:
I am filing this complaint regarding what I believe to be misleading and deceptive conduct during the origination of my VA refinance loan in XX/XX/year>. 

Specifically, I believe the loan XXXX, XXXX XXXX, presented monthly payment savings in a way that was materially misleading and failed to clearly explain that the reduction in the quoted monthly payment was primarily the result of removing escrow for taxes and insurance. 

Timeline and Facts On XX/XX/year>, I received a Loan Estimate showing principal and interest only payments, with taxes and insurance not escrowed. 

I was verbally quoted monthly savings over the phone that appeared significantly greater than what the written estimate reflected when including my existing tax and insurance obligations. 

On XX/XX/year>, I emailed XXXX XXXX expressing concern that : When adding my current taxes and insurance ( approximately $ XXXX ), the total monthly obligation under the refinance would be approximately {$5500.00}. 

This reflected only about XXXX XXXXXXXX in savings compared to my prior loan. 

This was significantly different than what I recalled being represented verbally. 

I also stated I could not bring {$1500.00} to closing due to the ongoing federal government shutdown and uncertainty regarding military pay. 

At the time of this transaction, I was serving in the XXXX military and there was a federal government shutdown affecting military compensation. I expressly stated in writing that I was concerned about bringing funds to closing and about the limited short-term savings. 

After I raised these concerns, the numbers were reworked and presented in a way that lowered the apparent monthly payment. However, the loan remained structured without escrow for property taxes and homeowners insurance. This fact was never explained to me. If it had been I would not have applied for the refinance loan. 

I do not recall receiving a clear explanation that the reduction in monthly payment was primarily due to the removal of escrow obligations rather than a meaningful reduction in overall monthly housing expense.

Company response to consumer: Closed with explanation