vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Special Financing Company, LLC
State: MI

Complaint narrative:
Leading up to the date of XXXX, I advised Special Financing that I would be calling in with a credit card to settle any outstanding payments. I spoke with several employees and they advised me that this was fine and to give them a call when I was ready. In the mean time, even though we had agreed upon me calling in, they repeatedly, day after day kept trying to draft money from my bank account. On several occasions I told them that this account did not have direct deposit, and I asked them to remove it. It was only on XXXX that they stated that I needed to ask for this in writing, even though I repeatedly told them I wanted the information removed. When I called in to pay any outstanding payments, they gave me 3 different amounts. One was {$800.00}, another was {$1000.00}, and another was {$660.00}. When I asked to speak to a manager I was refused. I called back a second time and spoke with a manager whom apologized and stated that it had been a misunderstanding and the only amount I needed to pay to get my account current was {$660.00}. I paid this on XXXX, and when I tried to make my monthly payment on XX/XX/XXXX, I was then quoted {$500.00}. I asked for a manager and was refused. When I called on XX/XX/XXXX, I again tried to make my payment and was told that payments could not be made on that day. I asked for a manager again and was refused. I believe this company is engaging in fraudulent overcharging of my account which has a fixed payment. They continue to tack on unexplainable fees, and often refuse to allow anyone to speak to a manager. I have also sent emails trying to get assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I am disputing an alleged debt being reported and/or collected by this company. I timely requested debt validation under the Fair Debt Collection Practices Act ( FDCPA ), but the company has failed to provide proper verification showing that I owe the debt or that they have the legal right to collect it. 



Despite my written dispute, the company has continued collection activity, including reporting the account to credit reporting agencies and/or attempting to collect the debt. This is occurring without providing required documentation such as a copy of the original contract, itemized statements, or proof of assignment from the original creditor. 



As a result, inaccurate and unverified information is appearing on my credit report, causing financial and emotional distress. I am requesting that the company be required to either provide full legal validation of the debt or cease collection activity and remove the account from my credit report in accordance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Lendgo, Inc.
State: WV

Complaint narrative:
This is an add they are running. When you start the process, the rates jump up. There's no details in what type of person qualifies for a 4.38 % loan

Company response to consumer: Untimely response
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: OH

Complaint narrative:
I took my XXXX XXXX XXXX daughter to XXXX XXXX XXXX for XXXX XXXX. She was literally in a fetal position in the floor board of my truck. This bill is for what was out of pocket AFTER my insurance paid. The doctor did absolutely nothing and I just think this bill is ridiculous. The doctor literally came in the room and pushed on my daughters stomach a couple of times. No testing, no IV, no labs or imaging. They checked her XXXX and said it was acid reflux for pain in her stomach. I had to take her to our family doctor and get a referral for a specialist. I just feel this dollar amount is excessive for the doctor not doing anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The incident began with a phone call from the email address XXXX. The caller identified himself as XXXX XXXX, providing badge number XXXX, and stated he was with the fraud department at Chase Bank. He informed me that there might be fraudulent activity associated with my XXXX account through Chase. Specifically, he asked if I had recently made a purchase at a XXXX store in XXXX XXXX for {$110.00}, a {$1000.00} XXXX payment to XXXX XXXX, and another charge for {$240.00} at a location I could not recall. I responded that I had not authorized any of these transactions. XXXX XXXX then said he would transfer me to the fraud department and asked me to hold. After a brief wait, a woman introduced herself as XXXX XXXX, providing badge number XXXX. She advised that I could verify their identities with Chase Bank after we completed the process of recovering the funds. XXXX XXXX explained that a screen sharing session was necessary so she could guide me through reversing the unauthorized XXXX transactions. She directed me to use the email address XXXX for the screen sharing session. I complied and signed into my Chase Bank online account while sharing my screen. She was then able to view my account details and began instructing me on how to reverse the charges. While viewing my checking account, XXXX XXXX asked who I commonly sent XXXX payments to, and I replied that it was XXXX. She told me we would input several codes to reverse the fraudulent transactions. The first " code '' was XXXX ( which I have now identified as a phone number registered to XXXX XXXX ), and the amount to send was {$1000.00}. She explained that the first entry would redirect the funds and the second, which included a code at the end, would verify the reversal. After this, she placed me on hold to check with another department to confirm that the transaction was successful. When she returned, she stated that it was. She then instructed me to repeat the process with another recipient, XXXX XXXX, ( now known to be registered to XXXX XXXX XXXX, and an amount of {$840.00}. It has since become clear to me that these were actual phone numbers and dollar amounts, not codes as she claimed. XXXX XXXX then asked if I wanted to file a police report due to the fraudulent activity, to which I agreed. She advised me not to discuss the situation with anyone, citing an ongoing investigation and warning that sometimes individuals close to the victim can be involved. She concluded by stating she would call me at approximately XXXX XXXX the following morning to confirm that everything had cleared through.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding First Credit Services XXXX XXXX XXXX 
On [ XX/XX/year> & XXXX ], I timely disputed the alleged XXXX XXXX account and requested debt validation pursuant to XXXX U.S.C. XXXX ( b ). First Credit Services failed to provide competent validation of the alleged debt. 
Despite the unresolved dispute and lack of proper validation, First Credit Services reported this account to XXXX, constituting continued collection activity during an active dispute. Reporting a collection account under these circumstances violates the Fair Debt Collection Practices Act. 
Additionally, reporting an unverified and disputed account constitutes inaccurate credit reporting in violation of the Fair Credit Reporting Act. This action caused measurable harm to my credit profile, including a significant credit score decrease. 
I am requesting that First Credit Services delete this account, cease all collection and reporting activity related to this matter, and ensure compliance with federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We XXXX married seniors were stunned and dismayed on XX/XX/XXXX, the last day of an otherwise wonderful trip to XXXX, to see our Wells Fargo XXXX XXXX XXXX charged {$3400.00} by a person or company in XXXX called XXXX XXXX. We immediately called Wells Fargo to report this unauthorized charge that they should never have approved without contacting us directly, per the Fraud Monitoring assurance that we will Get alerted of any suspicious activity. 
Wells Fargo temporarily offset the charge, but then declined our claim and re-posted the unauthorized charge, now XXXX % our Wells XXXX balance due. These XXXX XXXX postings are dated XX/XX/XXXX. ) We didnt think of it as a claim but a report of an unauthorized use of our card. They treated it as an overcharge and said they couldn't pursue the issue if we couldn't provide a receipt of the transaction to calculate the overcharge ( XXXX requirements ), which was and is impossible because we absolutely had no transaction or contact of any kind ever with this XXXX XXXX. 
What transaction does Wells Fargo claim took place? we asked. Didn't you need a bill of sale to post this outrageous charge that was XXXX times more than most charges on our account? Wells Fargo responded that we had to pursue that with XXXX XXXX, about which Wells Fargo provided XXXX information -- not their business, location, contact information, or the product or service of the alleged transaction. We urgently appealed their inexplicable, disastrous decision. For XXXX weeks they gave us false hope, claiming they were looking into it. This past week they sent a text and then a letter saying We have found that the charge was valid, so you are financially responsible for it. Incredible! Impossible! What could they have found? Nothing. We absolutely did not buy anything from XXXX XXXX, no products, no services, much less anything that cost {$3400.00}.

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this follow-up regarding my CFPB complaint against Cash App. 

After filing my complaint, I initially received a response from Cash App ; however, communication subsequently stopped, and my issue remains unresolved. My Cash App account is still closed under allegations of fraudulent activity that I did not participate in, authorize, or have knowledge of. 

Since XXXX, I have made numerous phone calls and engaged in multiple chat communications with Cash App Support, fully cooperating at all times. Despite this, Cash App has not reinstated my account, nor have they provided a clear, documented explanation supporting the continued closure. 

As a result of the account closure, I am being denied access to my funds, including Bitcoin assets that remain held within my account. I am unable to sell, transfer, or otherwise access these funds. I was previously informed by Cash App Support that I would be able to retrieve my funds, but this has not occurred. 

Additionally, I was advised by a Cash App representative to attempt opening a new account without using my phone number in order to recover my funds. I followed this instruction in good faith and was denied, leaving me without any lawful means to access my assets. 

At this time, I am requesting CFPB assistance to ensure that Cash App : 1. Reinstates my account, or 2. Immediately releases all funds held in my account, including Bitcoin assets, and 3. Provides a clear written explanation supporting any continued restrictions I am acting in good faith and seeking a fair and timely resolution. Cash Apps lack of continued response following the initial CFPB communication has left this matter unresolved. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: WA

Complaint narrative:
Jefferson Capital received my debt validation request on or before XXXX XXXX XXXX. Despite this, they continued collection by mailing another collection notice dated XXXX XXXX XXXX and by continuing to report the account to the credit bureaus without providing validation. This violates 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I was advised by the rep over the phone that my modification was denied because the front XXXX ratio was over XXXX  %. My monthly income is {$11000.00} a month. With a modified mortgage payment including escrow my total payment should be about $ XXXX {$3700.00} per month and my total debt to income ratio of XXXX %. This is way below required ratios and meets the industry standards for a loan modification approval. My front XXXX ratio is not over XXXX %. This is not correct as I was told over the phone. 

I asked for a breakdown of the numbers and they refused to send me this. They sent a denial letter ( attached ) and the letter states that the modification was denied because the foreclosure is within XXXX days. Selene had a full file in review prior to the XXXX days so this is not correct. Selene is giving me XXXX different answers as to the denial. Selene has been lying to me for a long time now and this is just more proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: U.S. BANCORP
State: AR

Complaint narrative:
Issue : Unauthorized transactions/ improper investigation In XXXX XXXX, I was approved for XXXX XXXX XXXX XXXX XXXX XXXX  benefits to be issued on a U.S. Bank Reliacard. I never received the original card. It was stolen from my mailbox, activated without my knowledge, and fully depleted before I ever had possession of it. 

On XX/XX/year>, XXXX  confirmed there was an active card on my account with a {$0.00} balance, even though the card was supposed to contain approximately {$11000.00} in XXXX funds. At that time, the address and phone number on the account had been altered without my authorization. 

I immediately reported the card stolen, initiated a dispute, and filed police reports with the XXXX Police Department ( Report XXXX XXXXXXXX ), XXXX Police Department XXXX Report XXXX XXXXXXXX ), and Little Rock Police Department XXXX Report XXXX XXXX ). I also filed an FTC identity theft report. 

XXXX Police XXXX XXXX obtained ATM images, which I reviewed and identified as XXXX XXXX. Law enforcement believed additional individuals were involved, and criminal charges were pursued. 

XXXX issued me a replacement card on XX/XX/year>. This replacement card is not the card used to make the disputed transactions. 

Despite extensive documentation and confirmed criminal activity, XXXX denied my dispute on XX/XX/year>, stating only that no billing error occurred. The denial letter failed to explain the investigation, the evidence relied upon, or how XXXX concluded the transactions were authorized. Requests for documentation and reconsideration were repeatedly obstructed. 

Under the Electronic Fund Transfer Act and Regulation XXXX ( XXXX C.F.R. XXXX ), a consumer has XXXX liability for unauthorized transactions when a card is stolen prior to receipt. U.S. Bank failed to conduct a reasonable, good-faith investigation and failed to provide the required explanation for its determination. 

I am XXXX and was XXXX at the time of these events, which limited my ability to pursue escalation earlier. I am requesting regulatory review, production of the investigation file, and reimbursement of all stolen XXXX funds.

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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I closed my BMO Harris secured credit card on XX/XX/XXXX. 
The account has a XXXX balance. 
It has been over XXXX months and BMO Harris has not returned my {$300.00} security deposit. 
I am located in California. 
Despite multiple calls, they continue to say the refund is in process. 
I am requesting immediate return of my deposi

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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
NEW CFPB COMPLAINT CAPITAL ONE ( {$300.00} BONUS ) Product : Checking Account ( Capital One 360 ) Issue : Problem with a promotion or bonus Complaint Summary I am filing this complaint because Capital One promised and scheduled a {$300.00} promotional bonus for my checking account and then revoked it after the fact, claiming I missed a deadline that was never disclosed to me until after the bonus was already scheduled. 

This constitutes misrepresentation, deceptive inducement, and unfair business practices. 

Detailed Explanation I opened a Capital One 360 Checking account in XX/XX/XXXX under a promotion offering a {$300.00} bonus for qualifying direct deposits. 

I made direct deposits in : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX, I called Capital One 360 to inquire about the status of my bonus. I was explicitly told by a Capital One representative that my {$300.00} bonus was approved and scheduled to be paid on XX/XX/XXXX. 
Relying on that representation, I believed the promotion had been successfully completed. 

However, when I called again on XX/XX/XXXX, Capital One reversed its position and told me that I was not eligible because a qualifying deposit was allegedly 15 days late. 
This reversal occurred after Capital One had already told me the bonus was scheduled for payment. Capital One never warned me that I was at risk of missing eligibility, never provided a deadline notice, and continued accepting and encouraging deposits. 
This is deceptive and unfair because I relied on Capital Ones representation that the bonus was approved and scheduled. 

What I Am Requesting I request that Capital One be required to : Pay the {$300.00} promotional bonus as promised Provide documentation showing why the bonus was originally approved and scheduled Provide all communications and system records regarding my bonus eligibility Provide all responses in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I opened an account and rcvd my first direct deposit on time, when the XXXX direct deposit arrived, I was surprised that XXXX  account was closed.They didnt advise me that the account will close, when I trued to get my salary, they said my account was closed and I have to wait for my money c to be issued by check from them. Which woukd at least 7-14 days. Which it caused financial hardship. My bills are now late and over due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX, stating that I have until XX/XX/XXXX, to respond. This letter is an attempt to collect a debt that I have already disputed and for which I previously sent a cease-and-desist notice when the account was with a different creditor. 

It appears the alleged debt may have been sold or transferred to a new creditor for collection, and the amount being claimed differs from the amount that was previously disputed. Ive sent the new creditors a cease and desist letter also.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo improperly denied and closed multiple billing error disputes for international airline charges that qualify as undelivered services and duplicate processing. 

In XX/XX/year> I paid over {$600.00} to XXXX XXXX XXXX for a rebooking/change related to my husbands XXXX trip after a Delta-initiated schedule XXXX. XXXX failed to perform the rebooking, abandoned us internationally for more than XXXX hours in XXXX, and canceled the rebooking. The service I paid for was never provided. 

At the end of XX/XX/year>, Wells Fargo posted XXXX identical charges of over {$600.00} each for a XXXX flight to the XXXX XXXX that was canceled and never flown. Both charges posted even though no transportation was provided. This constitutes both undelivered service and duplicate billing. 

Wells Fargo improperly redirected me to the merchant, failed to provide provisional credit, failed to process the disputes under correct non-performance and duplicate billing reason codes, and closed the disputes without lawful investigation. 

These actions violate Regulation XXXX ( XXXX CFR XXXX ) and XXXX XXXX XXXX. 

I am requesting immediate reversal of all charges, correction of my account, removal of all related interest and fees, and written confirmation of compliance.

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