vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
I am filing a complaint regarding a collection account reported by Harris & Harris on behalf of XXXX XXXX ( XXXX ). I dispute the validity of this debt. I had XXXX service in XXXX while residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC. When property management changed, internet service became a community amenity included in my rent. At that time, I canceled my individual Spectrum service and paid my final bill. Since that cancellation, I have not received any bills, notices, or communication from XXXX XXXX or any collection agency regarding an outstanding balance. I was not made aware of any remaining debt prior to this account appearing on my credit report. This is the first time I am being notified of this alleged obligation. I am requesting the following : 1. Full validation of the debt, including account history, billing statements, and proof that the balance is accurate and owed by me. 2. Documentation showing that proper notice of the debt was provided to me. 3. Verification that this account is being reported in compliance with the Fair Credit Reporting Act ( FCRA ). If this debt can not be properly validated, I request that it be removed from my credit report immediately. Additionally, I request an investigation into whether this account has been reported in error or associated with incorrect or outdated information. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
I moved out of the rental property ( XXXX XXXX XXXX ), end of XX/XX/year> and returned my apartment keys by end of day XX/XX/year> as agreed. I have communications between I and the Assistant Property Manager at the time, XXXX XXXX, after receiving notice of late payment fee for the month of XX/XX/year>, over a month after I left. He confirmed the administrative error and that they forgot to remove me from their system and that he would do so immediately. After applying for housing last week, I received notice that I had an outstanding debt with XXXX XXXX, the previous owner of XXXX XXXX XXXX during my lease and move out date for a balance of over {$4000.00}. The debt was now in collections with HUNTER WARFIELD. I reached out to HUNTER WARFIELD and disputed the debt and they informed me that they would put it into dispute status and reach out to the original creditor. I decided to give HUNTER WARFIELD a call back requesting demographic and contact information for the original creditor in which they said they didnt have as the only way they communicated with them is through a portal. I told them this was unacceptable and informed them that I needed this information so that I can reach out as well as send it to potential legal council that I was considering seeking help with for this matter, and they hung up on me immediately. I called them back and the second representative read the notes on my file in their system, and transfer me directly to their manager who also refused to give me any additional information for the original creditor other than their name, though he admitted that they do have internal contact information for XXXX XXXX they were only required to give me the name and nothing else. Attached is a statement I received from HUNTER WARFIELD regarding the alleged balance containing the account number and additional information with no itemized statement of the debt. I also attached the communication that I had with the Assistant Property XXXX, XXXX XXXX in XX/XX/year> for reference confirming their admittance of the administrative system error and intent to correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am a co-signer on this auto loan, which was originally obtained for my mother. I later assumed responsibility for the account and made payments to bring it current. I also contributed {$1500.00} of my own money toward the total {$3500.00} down payment at the time of purchase. The vehicle was repossessed in XX/XX/year>. I made a reinstatement payment of {$2700.00} on XX/XX/year>, to bring the account current, and I regained possession of the vehicle on XX/XX/year>. After reviewing the payment history provided by the lender, I identified repossession-related charges applied on XX/XX/year>, totaling {$150.00}, after I had already regained possession of the vehicle. These charges appear improper, as the repossession process had already been completed. Additionally, the account is being reported as closed due to repossession, despite the loan being reinstated and currently active with ongoing payments. This reporting is misleading and does not reflect the current status of the account. I also have concerns regarding the {$3500.00} down payment made at the time of purchase, including {$1500.00} that I personally contributed, which does not appear to have been applied toward reducing the principal balance or clearly reflected in the loan documentation. I am requesting removal of the improper repossession-related fees, correction of the credit reporting to reflect an active account, and a clear explanation of how the {$3500.00} down payment was applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: PLANET HOME LENDING, LLC
State: AZ

Complaint narrative:
I am 100 % current on my mortgage. In retaliation for my reporting of systemic occupancy fraud ( 35 uncertified parcels, XXXX XXXX Record # XXXX ) to the SEC and State Attorney General, the servicer, Planet Home Lending ( NMLS # XXXX ), manually locked my account access. The company redirected my account to a " Hardship/Asset Management '' status despite no delinquency. By their own written admission ( email dated XX/XX/year> ), they are acting as a " Debt Collector. '' Using debt collection status and account lockouts as a tool for whistleblower intimidation against a current borrower is a violation of the FDCPA and constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). This appears to be a coordinated effort to suppress evidence of fraudulent mortgage originations on homes lacking Certificates of Occupancy. I have documented system logs and screenshots of this retaliatory lockout.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: PNC Bank N.A.
State: PA

Complaint narrative:
Issue : Improper Reversal of Provisional Credit / Incomplete Investigation Company Name : PNC Bank What happened : In XXXX, I disputed a transaction on my account and was issued a provisional credit while PNC Bank conducted an investigation. At the time of the dispute, I also contacted the merchant, XXXX, who stated that a refund would be issued. However, after reviewing my account statements, I did not receive any such refund. Despite this, PNC Bank later reversed the provisional credit, stating that my dispute was invalid. I believe this decision was based on the assumption that a merchant refund had been completed. However, no refund was ever received in my account. Additionally, my account has since been closed, limiting my ability to independently verify or access historical records. Why I am disputing this : - The merchant stated a refund would be issued, but no refund was ever received. - PNC Bank appears to have relied on unverified or incomplete information when making its determination. - The investigation failed to confirm whether the refund was actually completed and deposited into my account. - I was not provided with documentation proving that the refund was successfully processed and received. Additional Information : I am aware that call records may exist between myself and XXXX confirming that a refund was promised but not completed. I request that PNC Bank fully review all available evidence and comply with Regulation E requirements for a reasonable investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
Rocket Mortgage merged with Mr. Cooper and first month my payment went from {$1800.00} to {$2300.00} XXXX reached out to the Rocket Mortgage the first time on XX/XX/XXXXXXXX and then several times after that on XX/XX/XXXX, XXXX, no results I reached out again on XX/XX/XXXX, XX/XX/XXXX with no results. I sent a letter requested in writing asking for explanation of the shortage in my escrow account. I was told by a customer service rep shortage is from increasing property, taxes and Mortgage insurance. I reached out to both local tax office in my XXXX XXXX XXXX. Both tax and insurance company verify with me that there have not been any increase on their end. I shared this info with mortgage but they refused to budge. I sent a letter to them and their response to send me monthly statements. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In XXXX I signed up for a capital one secured line of credit for {$500.00} USD. At the time I didnt have credit history and it was pitched as a way to build. I did good with that card and they increased my limit to {$2000.00} USD. I missed some payments and they locked my card. I paid this off in full and they didnt cancel my card or refund me but locked the account instead and began to charge my interest. When I called in to complain they pretended I never signed up for a pre paid card at all. This is criminal behavior. And needs to be addressed. I need {$500.00} or my card unlocked simply put.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: DC

Complaint narrative:
I am writing to formally dispute the above-referenced account, which is being reported under my name and/or Social Security number. I have reviewed my records and have determined that this debt does not belong to me. I request that you provide full validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including : The original creditors name and address The original account number A copy of the signed contract or agreement bearing my signature A complete payment history and itemized breakdown of the amount claimed If you are unable to provide proper validation, you must immediately cease collection efforts and remove this account from all credit reporting agencies to which it has been furnished, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Additionally, if this account was opened fraudulently, please treat this letter as notice of potential identity theft and provide instructions for any further documentation you require. Please investigate this matter and provide written confirmation of the deletion of this account within 30 days. FEB DESTINY - Closed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number : XXXX XXXX XXXX Owner : Individual Account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, phone XXXX ) is reporting a {$5200.00} collection on my XXXX credit report originally owed to DSNB Macys / Macy 's Department XXXX XXXX XXXX ( accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned XX/XX/XXXX, first delinquency XX/XX/XXXX ). This account is marked " Consumer Disputes Reinvestigation in Progress. '' XXXX has not provided debt validation. I am an Illinois consumer requesting : ( 1 ) original signed Macy's/DSNB credit account agreement ; ( 2 ) complete chain of ownership documentation from DSNB Macys through Citibank to XXXX XXXX Services this debt passed through multiple entities and full chain documentation is required ; ( 3 ) first delinquency date XX/XX/XXXX verified ; ( 4 ) confirmation no unauthorized post-charge-off interest was added per XXXX XXXX XXXX XXXX XXXX XXXX XXXX If XXXX can not produce the complete chain of ownership and original signed agreement, delete this account from all three bureaus immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied for a Chase credit card in XX/XX/XXXX through a XXXX XXXX promotional offer that advertised XXXX bonus points after spending {$5000.00} within XXXX months. I was approved for the card in XX/XX/XXXX and used the card specifically to meet the promotional spending requirement. I met the {$5000.00} spending requirement by approximately the end of XX/XX/XXXX. In total, I spent well over the requirement, approximately {$7000.00} in purchases within the qualifying period. Despite meeting the requirement, I did not receive the advertised XXXX bonus. I first contacted Chase in early XX/XX/XXXX to inquire about the missing bonus. During that call, I explained that I applied through the XXXX XXXX promotional offer and had met the {$5000.00} spending requirement. The representative stated they could not find the promotional offer attached to my account. I continued to follow up with Chase approximately every XXXX weeks after that initial contact. My most recent contact with Chase was today, and I was again told that the promotion was not attached to my account and would not be honored. I do not have any other Chase credit card accounts that could have caused confusion. Aside from debit card relationships, this is my only Chase credit card. I relied on the promotional offer presented through XXXX XXXX when deciding to apply and spend more than {$5000.00} on this card. I am requesting that Chase honor the XXXX promotional offer that was advertised at the time I applied and after I met the {$5000.00} spending requirement, or provide documentation explaining why the offer is not being honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Enterprise Car Rental in XXXX XXXXXXXX XXXX charged my CITI XXXX {$790.00} for additional insurance. Their representative, XXXX, came to my car dealership with rental car for me to use while repairs were made on my car. While stopped at a red light on XX/XX/XXXX, a woman who was texting drove into the rear of my car. She admitted to the police it was her fault. Her insurance company, XXXX XXXX, refused to pay for this insurance on rental. I asked XXXX at least 3 times if I had to pay for anything I signed for, and he said no. This was a lie. There were several pages of text on his XXXX that he scrolled through quickly and pointed to where I had to sign my name or initials. XXXX refused my request to send the bill to the driver or her insurance company, XXXX. During the XXXX weeks my car was being repaired, I rarely drove their rental. It sat in my garage and was returned in perfect condition with full gas tank. I contacted CITI Customer Service, disputed this charge twice, starting on XXXX, and was denied without explanation. Next I submitted an appeal on XXXX, then received a form letter that they would keep me updated. Never heard from them again. I am a XXXX retired teacher who lives alone, and this is a lot of money for me. I was hospitalized and needed XXXX in XX/XX/XXXX, with a XXXX recovery, which I hope explains any delays. I have made several attempts to get an explanation from CITI, but have been unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am disputing a denied claim regarding an unauthorized XXXX transfer from my Wells Fargo account. On XX/XX/year>, I was a victim of a crime in XXXX where I was XXXX and XXXX XXXX. During the time I was XXXX, an unauthorized person accessed my device and initiated a XXXX transfer in the amount of {$3400.00}. Under Federal Regulation E, this is an 'unauthorized electronic fund transfer ' because I did not initiate it, I did not authorize it, and I was physically incapable of providing consent at the time. Wells Fargo denied my claim ( Claim # XXXX ) without requesting or reviewing the official police report ( XXXX ) that details this crime. This constitutes a failure to conduct a 'reasonable investigation ' as required by law. I am requesting a full reversal of the unauthorized transaction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Larry H. Miller Group of Companies
State: DC

Complaint narrative:
I am writing to formally dispute the above-referenced account, which is being reported under my name and/or Social Security number. I have reviewed my records and have determined that this debt does not belong to me. I request that you provide full validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including : The original creditors name and address The original account number A copy of the signed contract or agreement bearing my signature A complete payment history and itemized breakdown of the amount claimed If you are unable to provide proper validation, you must immediately cease collection efforts and remove this account from all credit reporting agencies to which it has been furnished, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Additionally, if this account was opened fraudulently, please treat this letter as notice of potential identity theft and provide instructions for any further documentation you require. Please investigate this matter and provide written confirmation of the deletion of this account within 30 days. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Sunbit, Inc.
State: MN

Complaint narrative:
A fraudulent Sunbit credit account was opened in my name on XX/XX/XXXX. I learned of the fraudulent account in XX/XX/XXXX and immediately notified Sunbit. I filed a police report. Since that time, a company XXXX who is providing me identity theft services due to a security incident at XXXX XXXX XXXX XXXX with my personal information, has submitted multiple disputes to Sunbit on my behalf. They have provided Sunbit with copies of my personal identification information and a copy of the police report I filed avowing the fraudulent opening of this account. They submitted the first dispute via fax on XX/XX/XXXX. I received a past due notice from Sunbit dated XX/XX/XXXX. On XX/XX/XXXX XXXX submitted an email to Sunbit ( XXXX ) requesting a status of the dispute. That email was confirmed as received. On XX/XX/XXXX XXXX again attempted to obtain a dispute disposition via email with Sunbit. Again the email was confirmed as received. On XX/XX/XXXX XXXX contacted Sunbit by telephone as was asked to provide the documentation to a different email address ( XXXX ) which was done. The email was confirmed as received. On XX/XX/XXXX XXXX again reached out to Sunbit at both XXXX and XXXX requesting a status of dispute to be provided within XXXX hours as the initial dispute was well over XXXX months old. At this time, XXXX nor myself has received any communication from Sunbit to advise that I am no longer being held responsible for this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GOLDMAN SACHS BANK USA
State: HI

Complaint narrative:
I made an additional payment on my apple card on XXXX XXXX for {$2000.00}. I then canceled the said payment on XX/XX/XXXX due to not needing to make that additional payment at the time. According to my statements, {$2000.00} was applied to my account on XX/XX/year> and then refunded to me on XXXX. However, my bank account is showing XXXX transactions within XXXX days of this showing the {$2000.00} transfers. On XX/XX/XXXX, I paid my statement balance of around {$2500.00} in full. Because {$2000.00} was allegedly " refunded '' to me, it is showing a net of ~ {$500.00} paid on my bill. Because of this, my statement was then not paid in full so I am now being charged interest, and I am expected to pay an additional {$2000.00}. Basically I owe an additional {$2000.00} + interest out of pocket due to this clerical error. I do not know where my original overpayment of {$2000.00} has gone.

Company response to consumer: Closed with explanation