vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
1. Background and System Failure My mortgage is currently serviced by Fifth Third Bank. Recently, Fifth Third rolled out a new online mortgage portal. During this system migration, the bank completely deleted my account 's payment history and wiped all of my saved payment methods. 2. Impact on Consumer Account Because my payment history and methods have been erased, I am currently unable to : Verify my past account standing. Confirm that previous payments were accurately applied to my principal, interest, and escrow. Securely schedule or make upcoming mortgage payments. This technical failure on the bank 's end puts me at an unacceptable risk of unintentional default, late fees, and unwarranted negative credit reporting. 3. Inadequate Customer Service Response I have made good-faith efforts to resolve this issue directly with Fifth Third, but their support channels have failed entirely : Online Chat : I attempted to use their online chat support, but the representatives/automated systems were completely unhelpful. They were unable to resolve the missing data, nor were they able to formally log my missing account history as a technical issue. Phone Support : When I attempted to escalate the issue via phone, their customer service lines were closed and inaccessible. the servicer is unable to provide basic administrative support or maintain accurate financial records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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 2026-06-10 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: AZ

Complaint narrative:
On XX/XX/year>, I made a purchase of {$340.00} for my daughter 's school. This transaction brought my account balance below XXXX. Wells Fargo then assessed three separate overdraft fees of {$35.00} each ( {$100.00} total ) for three transactions that had already been authorized on prior days - a XXXX XXXX payment of {$35.00}, an XXXX payment of {$2100.00} authorized XXXX, and a XXXX purchase of {$40.00} authorized on XXXX. All three settled on XXXX after the {$340.00} transaction posted. I want to be clear that I understand and accept responsibility for the {$340.00} transaction that caused the overdraft. What I dispute is being charged three additional fees for transactions that were authorized when sufficient funds were present in my account. These fees were generated not because I overspent on those transactions, but because Wells Fargo 's processing order caused multiple pending items to se ttle simultaneously after one large transaction posted. When I contacted Wells Fargo to dispute the fee, a representative refused to waive them citing a courtesy waiver from XX/XX/year>, and instead offered guidance on how to monitor my account- which does not address the fact that funds were already committed for these transactions. This is not an isolated incident. Wells Fargo waived overdraft fees in XX/XX/year>, then charges me three overdraft fees in XXXX, two in XXXX and two in XXXX- all under the same circumstances. This represented seven overdraft fees totaling {$240.00} over three months, all generated by the same processing pattern. The current three fees bring my total to {$350.00} in overdraft fees since XX/XX/year>. This is a systemic issue with how Wells Fargo sequences pending transactions, not a one-time error or customer mismanagement.

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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to file a complaint against American Express regarding the cancellation of my credit card account. I am a US-based cardholder who was temporarily residing in the XXXX XXXX . During this period, American Express attempted to contact me regarding an account review. Due to my being abroad, I did not receive their postal correspondence or phone calls. There was a message visible on my online account, however the message did not clearly indicate that an account review was taking place or that my account was at risk of cancellation. Based on the wording, I reasonably believed it related to a returned payment, which I was already aware of. Upon becoming aware that my account had been closed, I contacted American Express immediately to explain the situation. Despite providing a clear and legitimate explanation that I was abroad and had no reasonable way to understand the urgency of their message they refused to reinstate my account. I believe American Express did not provide adequate and clear notice before closing my account. A vague account message that does not explicitly state the nature of the review or the risk of closure does not constitute fair notice to a customer. I am requesting that American Express reinstate my account, or at minimum provide a satisfactory resolution including preservation of my Membership Rewards points. Thank you for reviewing my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint because Capital One has mishandled my credit card dispute against XXXX XXXX XXXX XXXX for a timeshare purchase that I canceled within the allowed cancellation period. I purchased a timeshare/service agreement from XXXX XXXX XXXX XXXX XXXX, XXXX on my Capital One Spark Cash XXXX. The agreement was executed on XX/XX/year>. I canceled in writing by email on XX/XX/year>, within the contracts stated cancellation period and within the legal rescission period. The contract states that consent may be revoked in writing within five business days after execution, and that only after that period expires does the agreement become binding. I canceled before the agreement became binding. This is a timely written cancellation/revocation of a timeshare agreement before it became binding. I disputed the charge with Capital One and provided my cancellation email, the contract cancellation language, XXXX rescission law, and the XXXX timeshare cancellation policy. Capital One denied/reversed my dispute and continues to say it needs refund confirmation from the merchant. That does not make sense because the merchants refusal to refund is the reason for the dispute. I am also requesting that Capital One review this dispute under the applicable XXXX chargeback rules for timeshare cancellations. XXXX XXXX XXXX states that a timeshare agreement or similar service provision canceled within the XXXX time frame may be charged back regardless of contractual terms. The rule also states that cardholder documentation can include an email, letter, message, or dispute form showing the cancellation. I provided exactly that documentation. Capital One has not provided a meaningful explanation addressing my XX/XX/year> written cancellation, the contracts five-business-day revocation language, the fact that the agreement was canceled before it became binding, the XXXX timeshare cancellation chargeback rule, or why Capital One is requiring refund confirmation from the merchant when the merchants refusal to refund is the dispute. I am requesting that Capital One conduct a proper review of the dispute, apply the correct XXXX timeshare/canceled contract dispute rule, consider the contract cancellation clause and XXXX rescission law, and permanently credit/refund the disputed XXXX XXXX timeshare charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: UT

Complaint narrative:
On XX/XX/2026, I deposited XXXX XXXX ( approximately {$1000.00} USD ) from an external cryptocurrency wallet into my Cash App account using Cash App 's supported XXXX XXXX feature. Cash App confirmed receipt of the deposit and marked the transaction as " Complete. '' The transaction details within the Cash App application specifically state : " Your USDC has been converted into US dollars and is available in your Cash balance. Use it as US dollars or send it as USDC. '' The transaction also shows : " Transferred to XXXX XXXX. '' Despite these representations, the funds never became available in my Cash App balance. My available balance remained {$0.00}. After contacting Cash App support, I was told that the deposit had triggered a fraud or compliance review and that the {$1000.00} would automatically be returned to the originating blockchain wallet within 35 business days. Cash App specifically assured me that I would not lose the funds and that they would be returned to the wallet from which they originated. The funds were never returned. Since that time, I have contacted Cash App repeatedly seeking answers and resolution. Rather than receiving a consistent explanation, I have been given conflicting and contradictory information. Different representatives have told me that : The funds were being held for security review. The funds would be returned within 35 business days. The transaction was redirected. The funds were sent to another wallet. The transaction was flagged by compliance systems. Cash App has never provided documentation showing exactly where the funds went, why they were removed after being marked complete, or how they were allegedly redirected. Cash App has also failed to provide a transaction record demonstrating the movement of the funds after receipt. I have screenshots showing : Receipt of the XXXX XXXX deposit. Confirmation that the transaction was complete. Confirmation that the USDC was converted to USD. Confirmation that the funds were transferred to my Cash Balance. Messages from Cash App support stating the funds would be returned within 35 business days. The transaction was fully confirmed on the blockchain, and Cash App acknowledged receipt of the funds. Nevertheless, I have been deprived of access to {$1000.00} and have spent significant time attempting to resolve this issue through customer support without success. This has caused substantial financial hardship. I was relying on these funds for personal expenses and important family obligations, including travel related to a funeral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I think like 2 years back I had an account with chase with me having very small English i dont know what going on they jus closed my account and I cant open any new bank accounts this what happen I try helping a person to cash a check I didnt know her that good she told me that she would give me some money to cash the check I did it when chase ask me to get them her phone number to verify she couldnt get me her phone number cuz she didnt have one so chase closed my account I never received any money i dont see why they did that cuz I truly didnt know that I cant cash other people check and I didnt get any money so why

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am refinancing my mortgage with another company ; Navy Federal is the original mortgage note holder. I tried to stop/cancel the mortgage payment via the navy Fed app , the system would not allow me to do so. I called in to stop the payment, Navy fed said they could not stop it since it was coming from an external institution. I called XXXX to and placed a stop payment, which was not effective. Called Navy Fed to resolve the issue. They refuse to refund the money because they have not received the payoff from XXXX yet, although they see that it is incoming. Navy XXXX said even when they receive the payment they are just going to roll any overpayed funds to escrow. As a consumer who has done due diligence to prevent payment from automatically being paid, which is noted in the institutions ' logs, I deserve to have my funds returned to the originating account and not diverted to a payment process dictated by an institution that has no vested interest in my financial well-being. This is a clear case of a financial instituon misappropriating an individual citizen 's money. This case deserves a close look, as these trends lead to consumer abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: KY

Complaint narrative:
Someone open a chime account in my name and I needed to cancel it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
In 2022 in XXXX I was out with some friends the day before the incident of me losing my wallet. I went home & the next day I woke up I couldn't find my wallet. I looked all over my home before I looked at mobile bank & seen there was a total of {$230.00} dollars taken out of the account. I reported this fraud to the Credit union & tried disputing. I save a lot of Information in my wallet that could give anyone access to my accounts.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
the company never responded to previous complaint. truist offering bonus for new small business checkign account with funding of XXXX . I completed all the terms of the promotion, including the following : " must not have closed a truist account 365 days prior to XX/XX/year> '' as stated in TOC. I am being told that I previously had a truist account and closed it but the terms allow for it as long as it did not happen from XXXX ( 365 days ), which would permit me to get this bonus.

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