vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I am submitting this complaint regarding a Home Equity Line of Credit that originated with XXXX Bank, which was later acquired by Huntington Bank. The HELOC was opened at a branch location and was intended to be secured by my former residence. However, I later confirmed with XXXX XXXX XXXX of Deeds that the lien securing the HELOC was never recorded. Huntington Bank has also been unable to provide a liber or page reference showing that the XXXX was ever filed. Because the XXXX was never perfected in the public record, it did not appear during the title search when the property was sold in 2023. As a result, the property was conveyed to the buyer free of any lien related to this HELOC. I discovered this issue while reassessing our finances after completing construction of our new home and exploring ways to pay down this debt more quickly. I promptly contacted Huntington Bank to bring the matter to their attention. Last year, I spoke with a local branch and also contacted the banks national customer service line ; however, I was informed that nothing could be done to assist with the situation. I have also sent a certified letter directly to Huntington Bank XXXX XXXX XXXX XXXX department outlining this issue and requesting a resolution. In hindsight, this could have been addressed at closing ; however, my focus at the time was on reducing the construction loan balance. Had the issue been recognized, I would have taken steps to resolve it at that time. I want to emphasize that I fully intend to repay the loan and am not attempting to avoid my obligation. However, since the XXXX securing the HELOC was never recorded and the collateral property has already been sold, the loan is now effectively functioning as unsecured debt rather than the secured real estate loan originally intended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Credence Resource Management , LLC is currently reporting the following collection account on my credit report : CREDENCE RM Account # XXXX Collection {$110.00} I have no knowledge of this alleged debt and never received the legally required initial written notice before the account appeared on my credit report. Under FDCPA XXXX ( a ), a debt collector must send written notice within XXXX days of the initial communication identifying the creditor, the amount of the debt, and the consumers right to dispute. I never received this notice. More than XXXX days ago, I formally disputed this account and requested proper validation. Credence Resource Management has failed to provide documentation establishing that the debt is accurate or legally owed. Specifically, they have not provided : the name and address of the original creditor a signed agreement or contract establishing liability a complete payment history or itemized accounting of the alleged balance the date of first delinquency proof of assignment or ownership of the debt documentation demonstrating authority to report the account Despite failing to provide this documentation, the company continues to report the account as a verified collection. This conduct raises serious concerns under federal law, including : FCRA XXXX ( b ) failure to ensure maximum possible accuracy FCRA XXXX ( a ) failure to conduct a reasonable reinvestigation FDCPA XXXX false or misleading representations of a debt FDCPA XXXX ( b ) failure to provide validation after dispute XXXX reporting standards, which require information reported to credit bureaus to be accurate, verifiable, and supported by documentation Because of these issues, I have also filed a complaint with the Federal Trade Commission XXXX FTC ) and the Office of the Attorney General regarding this companys conduct. After researching this company, I found numerous consumer complaints describing similar issues involving attempts to collect or report debts without proper documentation. Given the pattern of complaints and the lack of validation provided in my case, I am asking the CFPB to review Credence Resource XXXX practices and investigate whether these actions reflect a broader pattern of noncompliance affecting consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I attended a free consultation at XXXX XXXX in XXXX XXXX, Florida. During the consultation, I signed documents related to a possible financing agreement for laser hair removal services totaling approximately {$3600.00}. After the consultation, I decided not to proceed with the services. I never attended any laser treatment appointment and no services were ever performed. Shortly after the consultation, I submitted cancellation requests to XXXX XXXX asking to cancel the contract. My cancellation request was denied by corporate without explanation. When I asked for clarification and requested proof that services were rendered, no documentation of any treatment or appointments was provided. I contacted the financing company, XXXX XXXX XXXX, to dispute the account because no services were ever performed. They stated that the provider indicated the services were given and advised me to speak with the provider. When I contacted XXXX XXXX again, they repeated that corporate denied the refund but did not provide any explanation or proof that services were performed. The account was later sent to collections, and I am now receiving calls, emails, and text messages from TekCollect attempting to collect approximately {$4000.00} for services that were never provided. Because no services were ever rendered, I dispute the validity of this debt and request assistance resolving this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank ( WF ) charged me XXXX overdraft fees of {$35.00} each in XX/XX/year>. I did not sign up for overdraft protection and they did not advise me of this when I opened the account. WF has opened many no-monthly fee accounts for students, making money on overdraft fees. On XX/XX/year> they charged me XXXX overdraft fees. On XX/XX/XXXX, they charged me XXXX overdraft fees. They do multiple charges for the same day. They made it very difficult to talk to someone at the bank. After several attempts, I met with a premier banker who told me that he can only credit me XXXX time $ XXXX, and therefore it would take me about a year and a half to get credit for everything. Please investigate to ensure the bank refunds other students ' accounts for overdraft and other hidden fees.

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 2026-03-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My old credit card was about to expire. American Express had sent me a new one in the mail ( Without notifying me or me requesting it ) Someone intercepted my new credit card via mail while it was in route to me. They used it in person at a XXXX XXXX located at XXXX XXXX XXXX, XXXX, NY XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a promotional email from Capital One offering 0 % APR for 9 months on balance transfers, valid until XX/XX/year>. The offer was specifically addressed to me and included my account ending in XXXX. Based on this promotion, I completed a balance transfer through the Capital One mobile app within the promotional period. However, Capital One did not apply the promotional 0 % APR and is charging interest on the transferred balance. I contacted the bank and opened a case, but they denied my claim and closed the case without properly honoring the promotional terms. I have attached the promotional email as evidence. I am requesting that Capital One honor the 0 % APR promotion and remove all incorrectly charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: Rocket Mortgage, LLC
State: UT

Complaint narrative:
Summary of Issue I am requesting a formal review of my mortgage servicing due to concerns that I was not properly evaluated for FHA loss mitigation options before and after my recent loan modification, and that I have been provided inconsistent or incomplete information about available assistance and account activity. Detail to follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: GU

Complaint narrative:
American Express account on XX/XX/year> and the card was sent to my physical address which doesnt get mail so when I called American Express XXXX have them send me a card to my proper mailing address they did and said it would be arriving XX/XX/XXXX so I ordered it on XX/XX/XXXX XX/XX/XXXX came and went. I never got the card so I called and they said oh it should be on its way. You should be getting it by XX/XX/XXXX again never got it XX/XX/XXXX came never got it. So XX/XX/XXXX I requested another card to be shipped to me. They said estimated a time of arrival would be XX/XX/XXXX. There was no shipping information provided like the last time and when I called to ask them for the shipping information, no one could provide it stating that its an estimated delivery date. I said its fine but why has it taken so long and it hasnt even shipped they couldnt provide me any shipping information. They said the card was processed. Nothing else so now its been over a month. I havent gotten my card and Im having to pay here in a couple weeks not only that its running down the clock on my bonus opening offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MS

Complaint narrative:
In the early part of XX/XX/year>, Cash App denied my dispute of payments I sent totaling XXXX plus dollars to " Attorney '' XXXX XXXX. I have sent more than enough evidence showing that this man clearly acted like he could help me with my case with no warning or notice of his license being suspended at that time. XXXX XXXX after I hired XXXX XXXX, I had a hunch that told me to call the Bar and that phone call confirmed my suspicions of there being something off about XXXX XXXX especially when I have had years of experience dealing with lawyers prior to hiring him.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: FL

Complaint narrative:
Back in XXXX or XXXX, I got a card from capital one billing statement and they have been taking out money charging my account for spectrum at different charges XXXX {$100.00} all along while I was paying on a different credit card I have no clue how they got the information just saying I owe XXXX when it should be XXXX or less I closed out the account blocked the card last month after reforming them of XXXX charges and XXXX that go back and I told them theyre taking it out but Ive been paying it all along my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am submitting this feedback to dispute XXXX response and request further investigation. XXXX explanation is inaccurate and does not reflect the facts of my case. First, I previously contacted XXXX fraud department and clearly asked whether I had any outstanding balance. I was explicitly told that my account balance was XXXX. These calls were recorded and even involved an interpreter. Second, my XXXX Anywhere card was compromised. I identified suspicious transactions occurring at a XXXX gas station, including XXXX transactions within less than XXXX minutes at the same location. This is clearly abnormal and indicates fraudulent activity. However, Citi claims no fraud was identified, which is unacceptable. Third, despite their claim that no adverse information was reported, my credit report with XXXX now shows a delinquent account ( 90 days late ) with a balance. This has negatively impacted my credit and contradicts XXXX statement. Citi failed to : Properly investigate the fraudulent transactions Honor the information previously provided to me ( XXXX balance ) Prevent incorrect negative reporting to credit bureaus I request the following actions : XXXX. Immediate correction and removal of the delinquent account from my credit report XXXX. A full reinvestigation of the fraudulent transactions XXXX. Written confirmation that my account was at XXXX balance as previously stated XXXX. Correction of all inaccurate reporting to credit bureaus XXXX response is incomplete and does not resolve the issue. I ask CFPB to reopen and escalate this complaint

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 2026-03-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Statement of Problem : Systematic failure by Chase to honor document delivery preferences, resulting in repeated violations of the E-SIGN Act. Chases system unilaterally re-enrolls my account in " Paperless Statements '' immediately following my manual opt-outs and payment activities. Confirmed Timeline of Unauthorized Enrollments ( XXXX ) XX/XX/XXXX, & XXXX : XXXX unauthorized enrollments ; each manually reversed, only to be overridden by Chase. XX/XX/XXXX, & XXXX : XXXX consecutive daily enrollments. XX/XX/XXXX ( XXXX XXXX EDT ) : Logged in to schedule a payment and verified preference was set to Paper Statements. XX/XX/XXXX ( XXXX XXXX EDT ) : Received a new " Paperless enrollment confirmation '' less than XXXX hours after my manual selection. Refutation of Chase XXXX Verbal Claims A Chase supervisor previously claimed these changes were made via my wifes separate login. This is factually incorrect ; I am the sole user of these credentials. The XXXX turnaround on XX/XX/XXXX directly proves the enrollment is triggered by system activity, not an external login.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dispute account with credit bureau asking for flow agreement XXXX XXXX Bill of sell Original contract I never received anything from company only that information was valid in remaining on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Deutsche Bank
State: NJ

Complaint narrative:
Deutsche XXXX response indicates there is no record of the wire and/or that the matter can not be handled through normal customer service channels. I respectfully disagree that no record resolves the issue, and I am requesting a supplemental review using the correct search criteria for a correspondent/returned wire. Key facts ( for identification ) : Wire date : XX/XX/year> Wire amount : {$8000.00} inbound to XXXX - {$7900.00} outbound back to XXXX Outcome : Wire was returned the same day Issue : Return was received minus {$75.00}, described as a return/processing fee deducted in the return process [ wire transfer fee | ] Why no record may be the result of an incomplete search : This wire was sent using instructions that routed through Deutsche Bank as a correspondent/intermediary for XXXX. In a correspondent scenario, the wire can be received, screened, rejected, and returned without ever posting to a customer account. If Deutsche Bank only searched customer-facing account systems, it is possible for the bank to conclude no record even though the wire was processed and returned through correspondent operations. Request : Please conduct a supplemental review by searching wire operations/correspondent records, including : return/repair logs suspense or unposted wire queues wire investigation/trace records any records associated with the relevant receiving routing/intermediary path used for XXXX wires ( not limited to posted customer transactions ) Resolution requested : Given that the wire was returned the same business day and no beneficiary account was credited, I am requesting a one-time courtesy refund of the {$75.00} return fee deducted during the return process. [ wire transfer fee | ] Documents I can provide ( or have already provided ) upon request : Proof of the outgoing wire ( originating bank confirmation ) Proof of the return credit showing the {$75.00} shortfall Any wire reference/trace identifiers ( e.g., Fed reference/XXXX/XXXX XXXX if needed Thank you for conducting a supplemental review through the appropriate wire operations records rather than limiting the search to posted account activity. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I am filing a complaint against Sequium Asset Solutions regarding a payment I made on XX/XX/year> in the amount of {$2800.00} At the time of payment, I was led to believe that Sequium Asset Solutions had the authority to collect this debt. However, I later discovered that the account is associated with XXXX XXXX and/or XXXX XXXX XXXX XXXX raising concerns about whether Sequium had proper authorization to collect on this account. I am requesting full validation of the debt, including proof that Sequium Asset Solutions had the legal right to collect this payment at the time it was made. If they are unable to provide this documentation, I am requesting a full refund of the amount paid. Additionally, I request clarification on why this account is still appearing under different entities on my credit report despite payment being made. I expect a timely resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I experienced unauthorized withdrawals from my Cash App account totaling over {$2000.00}. I reported the issue to Cash App within the first XXXX weeks of XX/XX/year> and requested an investigation. Within the first week, Cash App refunded me {$60.00} from a transaction involving XXXX XXXX. Shortly after that, they closed my account while I was still trying to resolve the remaining unauthorized transactions. Cash App later reopened my account and conducted an investigation after the account had already been closed. After their review, they stated they were unable to reinstate my account due to fraudulent charges, even though those charges were unauthorized and the reason I contacted them. At XXXX point, I informed Cash App that I no longer wanted an account with them and would not use their services again. Despite this, they continued to take actions on my account. They also refunded investments associated with my account without my request or authorization. Additionally, a refund of {$52.00} from a merchant ( XXXX ) was sent to my Cash App account. Because my account had been closed, the refund was returned and I have not received those funds. I contacted Cash App multiple times requesting : - A full investigation into the unauthorized transactions - Reimbursement of the remaining stolen funds - An explanation for the account closure, reopening, and actions taken without my consent - Assistance in recovering the returned refund Cash App has not provided a satisfactory resolution or helped me recover my money. I am requesting : XXXX. A full investigation into the unauthorized withdrawals XXXX. Reimbursement of all remaining unauthorized transactions XXXX. Recovery or reissuance of the {$52.00} refund XXXX. A clear explanation of how my account was handled, including actions taken without my authorization This situation has caused financial hardship and remains unresolved.

Company response to consumer: Closed with explanation