vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
On XXXX XXXX, Freedom Mortgage received {$140000.00} for the payoff balance of my mortgage, which was in accordance with their Payoff Statement dated XX/XX/year>, with a valid date through XX/XX/year>. Additionally, on XX/XX/year>XXXX Freedom Mortgage received an automatic draft payment of {$1100.00} they set up through my financial institution and told me several times they could not stop. As of XX/XX/year>XXXX the Escrow balance was {$2300.00} Total of : XXXX in my funds that Freedom Mortgage holds. On multiple occasions, I contacted Freedom Mortgage customer care and asked about my refund, to which they informed me it will take 10 to 14 days for the refund to be processed. On XX/XX/year>, I spoke to a Freedom Mortgage customer care associate, who had a very heavy foreign language accent, which made it difficult to understand him, so I asked him connect me with a supervisor. Initially, he did not want to transfer me to a supervisor, although he eventually did. He connected me with a XXXX in Oregon, which she stated she did not know, as my mortgage was not in her territory. XXXX informed me that my refund would be processed in the minimum 10 to 14 day timeframe, but could not see any pending refund in their system, even though XX/XX/year>XXXX was the XXXX day. I asked her to be sure that my refund was for the full {$3500.00}, at which time she informed me no, that information was incorrect. XXXX stated {$190.00} would be deducted prior to the refund being sent out. I asked her what the {$190.00} was for and she stated it was for the mortgage insurance premium. I said if the loan is paid off according to the Freedom Mortgage payoff statement, there should be no deductions. XXXX stated that deduction is for the mortgage insurance, as it is paid in arrears., and that the deduction was in accordance to their " owner by-laws ''. When I attempted to inform her that my mortgage insurance was only {$96.00} per month, and that my mortgage payment loan information reflected the {$96.00} had already been deducted from the {$1100.00} auto draft payment they received on XX/XX/year>, the same day as the {$140000.00} payoff payment. XXXX told me I was " wrong ''. On XX/XX/year>, I received a check from Freedom Mortgage ; however, it was only for {$2100.00}. They deducted {$190.00} from the Escrow balance and sent me the difference. What about the {$1100.00} auto draft mortgage payment they received on XX/XX/year>? This can not be legal.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing a complaint regarding a failed balance transfer that has resulted in duplicate debt and potential fees. On or about XX/XX/year>, I initiated a balance transfer of approximately {$6600.00} from my XXXX XXXX XXXXXXXX credit card account to pay a balance owed to my Best Buy credit account. The transfer was processed but later returned for reasons that have not been clearly explained to me. As a result of this issue : The balance remains owed on my Best Buy account The amount is also reflected on my XXXX XXXX XXXXXXXX account I have been advised that I may be charged additional fees and penalties I acted in good faith and followed the proper procedures for completing a balance transfer. I was not informed of any issue that would cause the payment to be rejected. This appears to be a processing or handling error outside of my control. I have attempted to resolve this directly with XXXX XXXX XXXXXXXX by phone on or about XX/XX/year>, but have not received a clear resolution or confirmation that I will not be financially harmed. I am requesting : A full investigation into why the balance transfer was returned Immediate reversal of any fees, penalties, or interest related to this issue Confirmation that my promotional interest terms will not be negatively affected A correction ensuring I am not responsible for duplicate debt across both accounts I am seeking a prompt resolution and written confirmation of the outcome.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXXXXXX we opened a new business account with Chase Bank. We did so at a branch in XXXX FL. We used our business address in XXXX, XXXX which differed from the address we originally registered the business in Delaware XXXX. That building in Florida ( the original business address ) has been sold. On XX/XX/XXXXXXXX we made our first deposit in the amount of {$2000.00} at a branch in XXXX, FL. We were notified the deposit was being held and the account was locked. We were told that we had 10 days before the account would be closed and we had to get our information with the State of Delaware updated. The State of Delaware said such a change would take XXXX. I have had more than 20 calls with the Fraud department of Chase Bank and every time they give me something else I need to do. I was told the account would be closed on XX/XX/XXXXXXXX and the check would be forwarded to our XXXX address. When I called today, I was told that wasn't true. They had to verify with the " maker '' that the check was legitimate. Chase refuses to call XXXX XXXX, the XXXX XXXX of XXXX ( the maker ) on her cell phone, because it is not a " registered number ''. The only registered number is an answering service where messages must be left and calls returned. Chase says that is not acceptable. I have asked them to return the funds to the Maker and they refuse to do that too. Final message today from Chase. They will hold the check for 2 years and then turn it over to " the state '' ( I have no idea which state ). So in summary, they have stolen our money. It is not theirs. They need to give the money back to the Maker or give it to us. I don't care which, but they can't keep it! Please help. XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OKX INC.
State: FL

Complaint narrative:
I am filing this formal rebuttal to OKX INC.s response dated XX/XX/XXXXXXXX XXXX XXXX OKX INC. claims my complaints are " duplicative, '' yet they continue to willfully obstruct my federal rights by maintaining two conflicting sets of facts. Admission of Debt Withdrawal : In their XX/XX/XXXX, response, OKX INC. explicitly admitted to the " withdrawal of OKX INC.s debt collection request with XXXX XXXX. A financial institution does not walk away from a {$380000.00} debt if they truly believe " in good faith '' that the account holder authorized the transactions. Willful Violation of FCRA 609 ( e ) : Despite withdrawing the debtwhich proves the " authorized '' claim is a pretextOKX INC. continues to deny my request for business records ( IP addresses, device fingerprints, and login logs ). Under 15 U.S.C. 1681g ( e ), they are required to provide these records to victims of identity theft. They are using their own refusal to admit fraud as a shield to withhold the very evidence that would prove the fraud occurred. Intentional Obstruction : I am notifying OKX INC. that I will not stop filing these complaints, regardless of how many times they " copy and paste '' the same boilerplate response. Every day they withhold these records, they are in Willful Non-Compliance of the Fair Credit Reporting Act, which carries statutory and punitive damages. DOJ Monitor Notification : Because OKX INC. is currently under a Federal DOJ Compliance Monitor through XX/XX/XXXX, I am requesting that the CFPB escalate this specific contradictionwhere OKX tells the bank the account is " authorized '' while telling the collector the debt is " void '' to the XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX, JEFFERSON CAPITAL SYSTEMS, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Dispute and Request for Validation of Alleged Debt REF # XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the alleged debt referenced above. I do not recognize this account and have no knowledge of any such obligation. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt The amount of the alleged debt, including an itemization of any interest, fees, or charges Documentation bearing my signature showing I agreed to this debt Proof that your company is authorized to collect on this debt. Until you provide proper validation, you must cease all collection activities and reporting of this account to any credit reporting agencies. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to cease and desist from any further communication with me regarding this matter except as allowed by law. If you are unable to provide the requested validation, I demand that this account be immediately removed from my credit file and that you cease all collection efforts. Please send all correspondence in writing to the address listed above. Do not contact me by phone. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been trying for 4 months to simply transfer my bitcoin that they hold for me to another bitcoin wallet. Every single time I attempt this on Paypal it says " We're having trouble making sure it's you '' with NO further instructions whatsoever. It's ludicrous. There is no contact phone numbers easily available. When I finally research customer service number for Paypal then I have to talk to an outsourced customer service rep in the XXXX that can't help me whatsoever other than tell me that somehow they have fixed this heightened security concern behind the scenes... then they tell me to wait 24 hours and try again. I do exactly as instructed and the STILL get the same error message " We're having trouble making sure it's you '' with no further instructions. I have talked to so called managers on the phone and NOBODY can fix this and meanwhile they are holding my XXXX hostage. Apart from this obvious shameful customer service experience at Paypal, they are legally not able to keep me from my funds and I need resolve PLEASE HELP ME thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am filing this complaint regarding PNC Banks handling of my dispute involving a merchant who failed to provide goods after a documented return. In XX/XX/year>, I entered into a purchase agreement through installment payments for wigs. Upon receiving the items, they were materially misrepresented compared to how they were advertised. I contacted the merchant, who acknowledged the issue and agreed to correct the order. The merchant issued a return label, and I returned the items. The package was delivered and signed for via XXXX. After receiving the returned merchandise, the merchant failed to send replacement items or issue a refund and has since stopped responding to all communication attempts. As a result, I no longer have possession of the merchandise, and the merchant has retained both the goods and my payment. I filed a dispute with PNC Bank ; however, my claim was denied based solely on the date of the original transaction. This decision fails to consider that the dispute arose after the merchant failed to fulfill the agreed-upon resolution following the return. This matter should be evaluated as a failure to provide goods after return, not as a standard transaction dispute tied only to the original purchase date. I am requesting a full reimbursement of all funds paid and a proper investigation based on the complete timeline and supporting documentation provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: MD

Complaint narrative:
Trying to collect a debt that is not owed I already submitted a case before and they agreed to stop contacting me now they are doing this again. To Whom It May Concern, I am writing in response to the account referenced above, which appears on my credit report. This letter is not an acknowledgment of responsibility for the debt. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting validation of this alleged debt. Please provide the following : 1. Proof that I am legally obligated to pay this debt 2. The name and address of the original creditor 3. The amount of the original debt and an itemization of any interest, fees, or charges added 4. A copy of the original contract or agreement bearing my signature 5. Proof that your agency has the legal authority to collect this debt 6. The date of the original delinquency Until this information is provided, I request that all collection activity cease and that this account not be reported, or be removed, from any credit reporting agencies. If you are unable to provide proper verification, please remove this account from my credit files and confirm the removal in writing. Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX. I am writing to formally dispute a debt erroneously attributed to me by JEFFERSON CAPITAL SYST. The account number in question is XXXX, with a current balance of {$780.00}, which is reported under collections. I do not owe this debt, as it is not mine. On XX/XX/year>, I filed a dispute regarding incorrect details through an automated system, but the issue remains unresolved. The presence of this erroneous collection account has significantly impacted my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. These scores are a direct result of the incorrect reporting of this debt, adversely affecting my ability to secure favorable credit terms. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate. JEFFERSON CAPITAL SYST has failed to provide any documentation proving my responsibility for this debt, which I believe is a violation of the FCRA. Additionally, the Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to verify debts they attempt to collect upon request. I have not received any validation of this debt despite it being reported on my credit files. I request the complete removal of this account from all three major credit bureaus ( XXXX, XXXX, XXXX ) to rectify the damage caused by this inaccurate reporting. The continued presence of this collection account not only compromises my financial standing but also causes undue stress and inconvenience. I urge the Consumer Financial Protection Bureau to assist in ensuring JEFFERSON CAPITAL SYST corrects this error immediately by removing this erroneous debt from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
To Whom it May Concern : Please let this letter serve as a formal complaint to Mohela and the Department of Education about an issue I have had with several student loans under one account. We made at least 5 lengthy phone calls with Mohela that did not yield clarity or a resolution. Four loans were issued on my behalf back in XXXX. The Master Promissory Notes included an accurate previous address of XXXX which my family has not lived in since XXXX. Any correspondence would have been forwarded for a year, but my mother received nothing. Correspondence about the loans themselves were sent to the address of my estranged father at XXXX. I am a XXXX and have the exact same name as my father. Because my father and I are estranged, he did not contact me about the correspondence that was mailed to him. Even if I had known about these loans, I would have never changed the address to my fathers address due to the nature of our relationship. Additionally, two of the four loans ( XXXX ) do not appear to have Master Promissory Notes. The phone number and email address listed on the Master Promissory Notes have not been in use for at least 5 years. I believe Mohela searched for me and instead found my fathers information because they excluded the XXXX on my name, then began sending correspondence to him in error. Because both the address on the Master Promissory Notes and the correspondence were mailed to the wrong addresses for years, I had no knowledge the loans even existed and therefore have not been repaying them. I did not learn of this debt until I recently attempted to secure a mortgage to buy my first home. This issue has destroyed my credit. It appears that Mohela has a history of significant mismanagement of borrower accounts which evidently has happened here. Below is a breakdown of when the loans were taken out and became delinquent : XXXXXXXX XXXX XXXX {$3500.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ( Loan Dates ) XX/XX/XXXX, XX/XX/XXXX ( Default Dates ) XXXXXXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX ( Loan Dates ) XX/XX/XXXXXXXX XXXXXX/XX/XXXX ( Default Dates ) XXXX XXXX XXXX XXXX {$3500.00} XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX Loan Dates ) XX/XX/XXXX, XX/XX/XXXX ( Default Dates ) XXXX XXXX XXXX XXXXXXXX {$2000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Default Dates ) I have already repaid {$18000.00} in student loans and fully intend to repay these loans, and will begin to do so immediately. I have established an online account with the Department of Education and have updated my ProfiXXXX to reflect my new address and contact information.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Formal Complaint against JPMorgan Chase Bank - Unlawful Withholding of Funds and Refusal to Verify Identity Issue Description : I am writing to file a formal complaint against JPMorgan Chase Bank regarding the unlawful withholding of funds and their refusal to verify my identity through standard legal means. I issued XXXX checks, each has {$20000.00} ( # XXXX and # XXXX ) from my XXXX account ( no. XXXX ) to my General XXXX ( GC ) XXXX XXXX for a home renovation project in XXXX XXXX. When the GC deposited these checks at a Chase branch, the bank flagged them for " verification '' - because they found my signatures are not exactly the same on the XXXX checks. The core issue is that XXXX Back XXXX insists on verifying my identity only through a third-party phone database. However, I'm using XXXX XXXX, a Mobile Virtual Network Operator ( MVNO ) that does not link personal identity records to phone numbers in the specific databases Chase uses ... and I have paid the full annual fees for that service... Despite the fact that I have : Physically visited a Chase branch with my valid Government-issued IDs ( Driver 's License and my Real ID ) to confirm the transaction ; Offered to verify the funds via my issuing bank ( XXXX ) XXXX Requested the bank to " Return to Maker '' if they can not verify ; Chase has refused to accept my physical presence/ID as proof of identity and continues to hold the funds indefinitely. They have also refused to return the checks to me. This is causing significant financial distress and halting my home construction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital System is XXXX reporting on my credit. I have never had any accounts with them. Per my research, XXXX XXXX XXXX is a debt collection. They are falsely reporting on my credit account # XXXX is falsely reporting to my credit file and is against my right and fair credit act. Under code XXXX ( b ) - XXXX of investigation consumer report, you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
I am filing this complaint regarding unauthorized transactions on my account with Chime. I noticed transactions that I did not authorize and immediately contacted Chime to report fraud. During that call, I specifically asked if any accounts were linked or if my account had been compromised. I was told everything was secure and there were no linked accounts. Despite reporting the issue and being reassured by Chime that my account was safe, additional unauthorized transactions continued to occur afterward. I did not authorize any of these transactions at any time. I filed multiple disputes with Chime and provided all requested information, including a police report. However, my claims have now been denied multiple times without proper resolution. This situation has caused significant financial hardship, including putting me at risk of losing my vehicle and impacting my ability to meet basic financial obligations. Chime failed to take appropriate action to secure my account after I reported suspicious activity. Their failure to act allowed further unauthorized transactions to occur. I am requesting : XXXX. XXXXmmediate reimbursement of all unauthorized transactions XXXX. A full investigation into how these transactions were allowed after I reported fraud XXXX. Documentation explaining the basis for denial of my claims I have acted in good faith and reported the issue promptly. I expect this matter to be resolved accordingly.

Company response to consumer: Closed with explanation