vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I began a refinance application in XX/XX/year> and signed initial disclosures on XX/XX/year>. I paid a {$490.00} appraisal fee on XX/XX/year>. I later learned the appraisal was delayed due to an internal fee issue regarding the property classification. My loan was conditionally approved on XX/XX/year>, and my wife and I submitted all requested financial documents multiple times throughout the process. The appraisal was completed on XX/XX/year>, and I received revised disclosures on XX/XX/XXXX and XX/XX/XXXX with increased points and changed loan terms. On XX/XX/year>, I requested a XXXXXXXX XXXX XXXXXXXX ( XXXX ) after the appraisal came in at {$740000.00}. I later contacted the appraisal company and was told no XXXX request appeared to have been submitted. Despite months of processing and repeated document requests, my refinance was denied in XX/XX/year> for insufficient income. I have also experienced lack of communication and unanswered calls and emails regarding my file.

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 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and improperly verified information being reported on my consumer credit file. I previously disputed the following account with XXXX : Capital One ending in XXXX Instead of conducting a proper investigation pursuant to the Fair Credit Reporting Act, XXXX responded by simply marking the account verified as accurate while simultaneously updating account information during the investigation process. The investigation response reflects multiple reporting inconsistencies, including : Updated payment history Updated delinquency information Updated charge-off reporting Updated account status This raises serious concerns regarding the accuracy and integrity of the investigation process. Under FCRA 611 ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable investigation of disputed information. Additionally, under FCRA 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are prohibited from reporting inaccurate or misleading information. Despite my request, neither XXXX nor Capital One provided : Method of verification Signed contract Original accounting records Proof of complete investigation Documentation validating the reported delinquency history Instead, the account was merely updated and reinserted as verified. I believe this constitutes : Failure to conduct a reasonable investigation Reporting of inaccurate/incomplete information Procedural violations under the FCRA Continued reporting without proper validation I am requesting : Immediate reinvestigation Complete method of verification Deletion of unverifiable or inaccurate information Written documentation supporting the investigation findings If these items can not be fully verified with competent evidence, they must be deleted immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had identity theft on XXXX of my credit cards from Capital one Card XXXX Balance {$15000.00} - all fraud Card XXXX Balance {$15000.00} - all fraud Capital One XXXX XXXX XXXX Also had a few fraud address on my credit in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I currently have a {$4500.00} collection account with Portfolio Recovery. This is a company that Ive never heard of before. I never filled out an application to get approved for any of their products or services. Ive disputed this account with the credit bureaus on more than XXXX occasions and now Im disputing it here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am disputing this installment loan under the FTC Holder Rule ( 16 CFR Part 433 ). The solar system financed by this loan was installed in XX/XX/XXXX but has been 100 % non-operational for over a year due to equipment failure. Despite receiving utility PTO in XX/XX/XXXX, the system generates XXXX power. The merchant, XXXX ( XXXX ), has fundamentally breached the contract by failing to provide a working product or perform repairs. I have already paid {$17000.00} in principal out of my personal savings to satisfy the tax credit requirement, in addition to my monthly payments, for a 'zombie ' asset. I have filed a formal complaint with the California CSLB ( Case # XXXX XXXX ). I am seeking a full loan rescission and a refund of my {$17000.00} and all other payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC

Complaint narrative:
I am filing this complaint against Credence Resource Management regarding repeated unwanted telephone contact after I expressly requested that communications cease. On XX/XX/year>, I sent a direct cease and desist communication to Credence Resource Management through their customer service email requesting that they stop calling me. Despite this request, I have continued receiving repeated telephone calls from the company, totaling at least XXXX calls after my notice was sent. I do not acknowledge or admit to any alleged debt, account, or obligation associated with these communications. I further requested that the company validate any information they claim belongs to me before attempting further collection activity. Their continued calls after receipt of my cease and desist request constitute continued harassment and have caused emotional distress. Their conduct appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including continued communication after written notice requesting cessation of contact. I additionally notified the company that I no longer reside in the United States and provided updated mailing information for written correspondence only. Current Mailing Address ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I also informed the company that the following former United States address is no longer valid for any purpose : Former Address ( INVALID ) : XXXX XXXX XXXX XXXX XXXX, California XXXX I specifically advised that sending sensitive personal or financial information to the former address could constitute an improper disclosure of private consumer information and an invasion of privacy. I request that the CFPB require Credence Resource Management to : XXXX. Immediately cease all telephone communications with me. XXXX. Communicate only in writing to the mailing address provided above. XXXX. Validate any information they allege belongs to me before any further collection efforts. XXXX. Investigate whether the company violated the FDCPA through continued calls after receipt of my cease and desist request. XXXX. Ensure no correspondence or disclosures are sent to the invalid former California address. I request documentation of the companys policies regarding cease and desist requests and call suppression procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: IA

Complaint narrative:
I am filing a complaint regarding Chimes refusal to investigate a fraudulent Chime-to-Chime transfer from my account. On XX/XX/year>, XXXX transfers totaling the amount of {$520.00} was sent from my Chime account through Chime-to-Chime transfer services. I reported the transaction to Chime as fraudulent and requested an investigation. However, Chime refused to investigate the claim solely because the transaction was categorized as a transfer. I believe this transaction was fraudulent/unauthorized because I sent money through a Chime-to-Chime transfer after responding to an advertisement on XXXX for athletic clothing sets. The seller claimed that I would receive XXXX athletic sets in exchange for payment. After communicating through XXXX direct messages, I was given a phone number to place the order and complete payment. After the transfer was sent, the XXXX account was deleted, I stopped receiving responses from the individual, and no products were ever delivered. I believe this was a fraudulent scam conducted under false pretenses. I have filed a police report and additional fraud reports regarding this incident. I am requesting : - A formal investigation into the transaction - A written explanation of Chimes determination - Copies of any evidence or records used in denying or refusing the claim - Reimbursement if the investigation determines the transfer was unauthorized or fraudulent I have attached or can provide supporting documentation including [ screenshots/messages/police report/etc. ]. Chime should not refuse to investigate solely because the transaction type was a Chime-to-Chime transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One XXXX ( Acct XXXX XXXX XXXX was settled as agreed upon on XX/XX/year>. However, debt continues to report with credit report agencies as paid, but still reporting late payments as of current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a serious problem with this bank. I am the primary account holder at this institution, and I recently encountered an issue where a {$1000.00} XXXX transaction was executed, and my debit card was used for a charge of {$2200.00}. I contacted the bank, reported the incident, and followed all the procedures requested of me ; XXXX that this is * my * money and the bank possesses a fragile and ineffective security systemthey are currently preventing me from accessing my own funds. I was informed that I would have to wait XXXX days to regain access to my money, which is absolutely absurd. They refused to provide a provisional creditsomething that is extremely important in this situation. If it takes them XXXX days to investigate this matter, that is an internal administrative issue of theirs ; I can not be held responsible for the company 's administrative sluggishness. I demand that a provisional credit be made available in my account immediately, as I need it to meet my monthly financial obligations. This situation is causing me serious hardship ; I run the risk of losing my home if I do not make my payments, and if that happens, I will certainly hold the bank accountable. I demand that what is rightfully mine be made available in my account ; I am not asking the bank for a loan or any form of creditI am simply asking for what is rightfully minemoney earned through my own sweat and hard work. I DEMAND THAT MY MONEY BE MADE AVAILABLE IN MY ACCOUNT IMMEDIATELY. IF THIS DOES NOT HAPPEN, I WILL SEEK LEGAL RECOURSE to compel the aforementioned bank to fulfill its obligations. I am seriously considering switching to XXXX, a bank that does not have these kinds of problems.

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 2026-05-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
XXXX fraudulent charges in the amount of {$1200.00} each paid from my checking account on XXXX XXXX XXXX. Initially reversed when I reported the fraudulent activity, but later restored by USAA. These charges were from an internet based company that I have no relationship with. I have requested proof that I authorized the charges, but that has not been provided.

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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
In XXXX, I was targeted and defrauded by an individual I met online. We established what I believed was a genuine emotional connection through regular communication. Although we had never met in person, this individual gained my trust over time through sophisticated social engineering.Under the guise of a relationship, the individual asked for my bank account number, claiming they needed to send me money. I provided it in good faith. After the funds were deposited into my Chase account, the individual claimed there was an issue and asked me to " return '' the funds by purchasing gaming gift cards and sending them the codes. At the time, I did not realize I was being used as a " money mule. '' I believed I was simply helping a person I cared about by returning money that I thought was legitimately theirs. I had no intent to commit fraud ; I was a victim of a coordinated confidence scam.Once Chase Bank identified the incoming funds as fraudulent, they immediately froze my access and closed my account. I lost my partnership with the bank and my ability to manage my finances. Since XXXX, I have made numerous attempts to resolve this. I have spoken with multiple XXXX XXXX and XXXX XXXX XXXX to explain that I was a victim of a scam, but I have been consistently ignored or told that no details could be provided.For XXXX years, I have been penalized for being a victim of a crime. I have been unable to restore my banking relationship with Chase or clear my name from internal risk flags that may be affecting my ability to bank elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX XXXX a third-party company by the name of Penn Credit Corp placed a collections account on my credit in the amount of {$680.00}. I disputed this with my credit companies in XXXX. Then I contacted the company myself on XXXX stated the balance is from XXXXI told the company this information was wrong, and I stopped service with PGW on XX/XX/XXXX. The company told me to call XXXX directly to dispute the amount. I called XXXX on XX/XX/XXXX and spoke with a representative who told the charges are not from an unpaid bill they are from suppler charges. I told the representative this is inaccurate because I no longer occupy the property at that time. The representative confirmed this and told me they don't know why my name was removed from services right away however it was removed on XXXX XXXX when a new tenant occupied the property. The representative told me I can dispute this will XXXX but there was nothing more they could. This an error on XXXX the consumer not me as a customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
A written solicitation was received from AmeriHome Mortgage via XXXX and email notifying me of my eligibility for mortgage payment relief due to my address being located within a XXXX declared disaster area with directions to contact them us soon as possible. After speaking to a representative, answering a few questions to determine my eligibility and qualifications, my mortgage was placed in forbearance for a period of XXXX months beginning XX/XX/year>. Im currently locked out of the online portal, and to resume my mortgage payments, was required to talk to a representative. To my surprise, I was informed the mortgage payment increased from {$3100.00} by over {$100.00} and I was informed of being ineligible for a deferment and payment was demanded in full. Through this frustration, I attempted to explain that I was previously told I would be eligible and options would be available to repay the balance. An adverse action notice was never received, however, the representative claimed it was sent via email and insinuated there were no options available. A notice was never received and repayment options have not been made available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
For Account number # XXXX I sent a letter requesting this information XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ Purchased ____Assigned XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection And LVNV Funding LLC sent me a copy of someone credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
In XX/XX/XXXX I purchased a couch from XXXX XXXX and I have paid for the couch I ordered. Then XXXX XXXX also sent me a couch, which I refused and it was returned right away. XXXX proof of delivery was dated XX/XX/XXXX. Well before any payment was due. Now Im told that because there is a balance owed they w ont honor the proof of delivery. Which they have had all along. I have tried several times to have that couch balance removed from my account but I am told Im responsible to pay the balance. Can you help me get this issue resolved? Its really tearing up my credit score, and I dont have the couch and I shouldnt owe for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
A debt was removed from my account, then it reappeared by a company called Security Credit services, no phone number, no letter, to verify debt. The debt listed on all XXXX credit bureaus is listed as closed on XX/XX/2026. The account number is XXXX, balance {$720.00}, there is no information of original creditor, or verification from Security Credit Services. Was never given a letter to verify or dispute debt, the debt was removed recently. This is reaging of a debt that was already removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinme Holdings, Inc.
State: SD

Complaint narrative:
XX/XX/year> at XXXX XXXX I recieved an e-mail from XXXX that my account with them was terminated. On.May XXXX XXXX i filed a complaint with XXXX and XXXX contacted coinme and coinme did not respond to back to XXXX. Coinme gave no specific reason why they terminated my account other than a general due to activity that violates terms of service. Coinme states the decision to close my account is not reversible and any further contacts to their team would be gathered for investigative purposes. I took the wording of this e-mail as you are not going to get your crypto back so dont even try : in other words a threat. So I have never tried. Coinme is rated XXXX by XXXX and reading other complaints on XXXX about coinme is both reaffirming and disheartening. When coinme terminated my account I lost the ability to access the amount that was in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I am filing a complaint regarding a {$1500.00} XXXX XXXX XXXX promotional bonus, payable after 90 days, associated with my Marcus by Goldman Sachs account. On XX/XX/year>, I contacted Marcus customer service by phone to confirm eligibility for the bonus and was informed that I was eligible but enrollment was required. I was not provided actionable instructions on how to complete the process and did not receive email reminders or see instructions available on the website. As a result, I did not complete the process at that time. On XX/XX/year>, I followed up with Marcus customer service regarding the status of my {$1500.00} bonus and was informed I would not receive it due to non-enrollment. The matter was escalated to a resolution representative for review of my eligibility. During that review, the representative acknowledged that the XXXX customer service representative did not provide the required instructions ; however, my request for the promotional bonus was still denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: TX

Complaint narrative:
Account appears on my credit and I called and asked to haveit remove. Sent identity theft report and nothing was done. Account was deleted from XXXX and XXXX already.

Company response to consumer: Closed with non-monetary relief