vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/year> I listed a bag on XXXX XXXX and had a buyer who wanted to pay Zelle. I gave my number so they could send it. They said they had a business account and customer service had to contact me. I called the number texted. I was told they would send me {$500.00} then I would send it back in order verify I could send to business accounts. I received a check from the customer rep via text to deposit the {$500.00} which was processed into my XXXX banking account. When I called to finish the process of sending it back, I knew it was a scam. The guy kept pressuring me to send {$500.00} back to the buyer. I refused, hung up, and was then locked out of my chase account due to suspicious activity. I am now on the phone with them seeing what I can do about the situation. After research, I learned this is a common scam. I did NOT send the {$500.00} back and I hung up immediately to call XXXX XXXX line.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: FL

Complaint narrative:
XXXX XX/XX/year>, my cellular phone was stolen during an auto burglary. Because my phone & wallet was taken containing my debit cards, ID Card and etc. the individual ( s ) responsible were able to gain access to my banking information and compromise my Chime account. As a result, my debit card ( s ) and account were used without my authorization, knowledge, or consent. Between XX/XX/year> and XX/XX/year>, a total amount of {$4800.00} was moved out of my account through unauthorized transactions. During this time, I did not have access to my account because my phone had been stolen and I had no cellular device available to monitor or secure my account. My PIN number to my debit card is written boldly on the back of my chime debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This letter serves as a formal notice that I dispute the validity of the alleged debt you claim I owe. This dispute is made pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. Under 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Until you provide proper validation, you must cease all collection activities and communication regarding this matter. Your company must provide the following : The name and address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history of the alleged account. Proof that your company has legal authority to collect this debt. Proof the debt has not exceeded the applicable statute of limitations. Documentation proving the amount you claim is accurate and lawful. Additionally, any attempt to report or continue reporting this disputed debt to credit reporting agencies without proper validation constitutes a violation of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692e and 1692f.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Collection Systems, Inc.
State: OK

Complaint narrative:
On XXXX XXXX I paid XXXX towards XXXX XXXXXXXX XXXX XXXX XXXX for a college class I had took. Through XXXX XXXX time payment. I had not made a payment in over a year ; which results in going to collection. I made the payment and never received a single notice, email, or anything from XXXXXXXX XXXX XXXX XXXX. Today on XX/XX/XXXX, I received a notice from XXXX XXXX my credit score fell XXXX points due to a negative reporting. I double checked that the balance was paid after noticing it was through XXXXXXXX XXXX XXXX XXXX In my bank statement, self-service portal, and email I had proof that the payment for XXXX was paid on XX/XX/2026.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: AL

Complaint narrative:
On XX/XX/2026, a debit card charge of {$330.00} appeared on my account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not authorize this transaction and have never made a reservation with this merchant. I never received any booking confirmation or receipt from XXXX for this transaction, which further confirms that this reservation was not made by me. I immediately reported the charge to my bank, Chime, and filed dispute Claim ID # XXXX on XX/XX/2026. I provided supporting documentation and cooperated fully with the investigation. Despite reporting the transaction as unauthorized, Chime denied my dispute after their investigation and refused to credit the funds back to my account. I also contacted XXXX directly, and they stated that unauthorized charges must be handled by the card issuer. This has left me with no resolution despite reporting fraud promptly. I believe the bank did not properly investigate this unauthorized transaction or protect my account from fraud as required. I am requesting assistance with a reinvestigation of this claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Denefits LLC
State: MD

Complaint narrative:
I am filing a complaint regarding a credit repair service agreement with XXXX XXXX XXXXXXXX XXXX XXXX XXXX, a company located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and also listed at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. In XXXX I entered into a credit repair consulting contract with this company for a service fee of {$1800.00}, structured as a $ XXXX monthly payment plan. The payment plan appears to be financed through Denefits LLC. During the sales process I was verbally promised that my credit score would increase significantly, specifically around an XXXX improvement within approximately XXXX days. This promise was a major factor in my decision to enroll in the program and agree to the payment plan. After enrolling, the only service that was performed consisted of sending dispute letters to the credit bureaus. The company described its process as " Identify, Clean it, and move Upwards '' and primarily focused on disputing negative items on my credit report. I later received updates from the company stating that my credit score had increased by XXXX points overall. These updates appeared to attribute score increases to their service even though such score changes can occur for many unrelated reasons. I believe the service was misrepresented during the sales process. Promising or implying guaranteed credit score improvements appears to violate the Credit Repair Organizations Act, which prohibits misleading statements regarding the results of credit repair services. Additionally, the contract authorizes the company to sign Federal Trade Commission identity theft documents on my behalf and instructs that identity theft alerts may be placed on my credit report related to large data breaches. I am concerned about the legitimacy of this authorization and whether such actions were appropriate. Because the services provided did not match the representations made during the sales process, I stopped making payments on the account. The financing associated with this service is now appearing as a negative account on my credit report. I believe this account resulted from misleading representations regarding the nature and effectiveness of the services. I am requesting that the account associated with this service be canceled and that any negative credit reporting related to this account be removed. I am also requesting that this company provide documentation showing exactly what services were performed and justification for the charges under this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Paypal Holdings, Inc
State: WA

Complaint narrative:
There were XXXX consecutive charges to XXXX XXXX XXXX made on my stolen venmo card on XX/XX/year>. These charges were reported fraudulent to venmo on the morning of XX/XX/XXXX when I became aware of the situation. I also filed a police report with the XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) and XXXX XXXX Venmo has denied all the charges despite the police report and my repeated phone calls and statements indicating that these charges are indeed fradulent. Information has been provided as to who the suspect is and her where abouts. This is still an active and ongoing investigation. I have been completely transparent and venmo refuses to reimburse me the funds leaving me unable to afford rent, food, gas, and basic necessities for the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
The attached documents are screenshots of the claim I filed with my bank Wells Fargo regarding the authorized transactions from XXXX XXXX respectively with date and amount few weeks after I have been notified by experian that my account has been exposed in the dark web.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I been sick for the XXXX XXXX cause I got In a car accident and couldnt work but no company wanted to give me a loan or a credit card so I can pay my rent now Im getting an eviction and about the be homeless at XXXX XXXX XXXX I dont have any family to help me Im all alone I dont have anything no car no money no nothing

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am filing this complaint against Capital One regarding a restriction placed on my account this week. Capital One recently restricted my account due to what they described as unusual activity. However, I was not notified in advance that my account would be restricted, and when I contacted Capital One to ask for an explanation, representatives were unable to clearly explain what activity they were referring to. I requested a written explanation or documentation regarding the decision to restrict my account, but Capital One representatives were unable to provide any details or a copy of the decision. I was simply told that there was unusual activity without any further clarification. This restriction has limited my ability to use my card and access normal banking services. As a customer, I believe I should receive clear communication and transparency regarding actions taken on my account, especially when those actions affect my access to financial services. I am requesting that Capital One provide a clear written explanation of the alleged unusual activity, review my account immediately, remove any unnecessary restrictions, and restore full access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I entered a Loan & Security Agreement with Dividend ( a division of Fifth Third Bank ) to finance a residential solar system installed by XXXX XXXX XXXX XXXX XXXX. Dividend released the loan proceeds, and the system was reported as installed and granted Permission to Operate ( PTO ) on XX/XX/XXXX. I was promised that a solar system would significantly lower my energy bills. However, the system was materially defective from the start ; XXXX of the XXXX XXXX failed or were never reported, leaving no installer to fix the faulty equipment reported to me by the XXXXXXXX XXXX XXXXXXXX XXXX XXXX. As a result, the system has not produced the expected energy output, producing only XXXX XXXX in XXXX, compared to the XXXX XXXX promised in the contract, leading to exceptionally high electric bills for my household ( average monthly bill over {$900.00} ). The installer, XXXX XXXX, declared bankruptcy in XX/XX/XXXX and can not correct the issue. I notified Dividend of the defects and requested remediation or cancellation, but they declined in XX/XX/XXXX, stating they can not service the equipment. I've already paid off {$12000.00} of my solar loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
am submitting a complaint regarding the handling of a check deposit and the inconsistent and misleading information I received from Bank of America representatives. On XX/XX/XXXX, I deposited a check at the Bank of America branch on XXXX XXXX. At the time of the deposit, the teller informed me that {$6400.00} of the funds would be available on Wednesday, XX/XX/XXXX, and that the remaining balance would be released on Friday. When XX/XX/XXXX arrived and the funds were not released as promised, I contacted Bank of America to ask about the delay. During that call, I was told that the reason for the hold was because my account had not been open for a full year. My account was opened in XX/XX/year>. When I asked why this was not explained to me at the time of the deposit, I was told that it can take 24 hours for tellers to see this information. After questioning why I was still not informed after that 24-hour period had passed, the explanation changed and I was told the hold was due to the amount of the check. The representative also stated that {$240.00} had been released the following day, which was incorrect because those funds were not available in my account. After checking the account, the representative disconnected the call. When I called back, I was told that the funds were being held to make sure the check would not be returned and that the funds would be released on XX/XX/XXXX. I explained that Bank of America does not release funds on XXXX, but the representative insisted that the bank does release funds on XXXX. Later that same evening, I received an email stating that the funds were being held because the bank had information suggesting the check might be returned and that the funds would now be released on XX/XX/XXXX. When I asked why the release date had changed again, I was told it was because Bank of America does not release funds on XXXX. Throughout this situation I received several different explanations and multiple release dates. This caused confusion and significant inconvenience. I am requesting that this situation be reviewed, that I receive a clear explanation for the hold, and that the bank ensure customers receive accurate and consistent information regarding access to their 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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Wednesday, XX/XX/XXXX, someone walked into my branch and deposited {$4000.00} using a deposit slip with no name or account number matching mine. The teller misread a XXXX as an XXXX, posted it to my business checking account anyway. When they caught it, they reversed the depositfirst leaving me overdrawn by {$1400.00}. The next day it dropped to {$930.00} negative. Now its at {$960.00} overdrawn. Also, early Friday morningMarch XXXX, around XXXX XXXX {$380.00} mysteriously appeared in my personal checking account. No deposit slip, no transfer record, nothing. On top of that, I had paid my car note from the business account before the deposit mess. After they reversed the {$4000.00}, they told me they reversed the car payment toobut the car company says they got it, and theres XXXX record in my bank of any reversal. So now Im double-paying or at risk of late fees because their system cant keep straight what they did. I called the supervisor right away. They admitted the {$4000.00} mistake but said it was my responsibility to monitor my balance. No waiver, no refundjust 60 days to cover the overdraft. No explanation for any of this : unnamed deposit, shifting overdraft, mystery {$380.00}, or the vanished car payment reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: LA

Complaint narrative:
I am submitting a complaint regarding the escrow analysis and payment increase on my mortgage account. My recent statement shows my escrow payment increasing from approximately {$380.00} per month to {$470.00} per month, and my total monthly mortgage payment increasing to {$1300.00} due to an alleged escrow shortage of {$1100.00}. The escrow analysis provided does not clearly explain the reason for the increase or the shortage. The documentation also contains projections showing multiple months where the escrow account balance goes significantly negative, which raises concern about the accuracy of the analysis. Additionally, the escrow history references a County Tax disbursement of {$150.00}. My property is located in XXXX XXXX, Louisiana and qualifies for the Louisiana Homestead Exemption under Louisiana Constitution Article VII, Section 20. This exemption applies to the first {$75000.00} of assessed value and significantly reduces property tax liability. The statement does not provide documentation verifying the tax bill used in the calculation. Finally, at the initiation of the loan points were purchased to adjust the rate and rate modification was nit honored and is being collected at an increased rate. I have made the mortgage company aware and have provided documentation. To date j have not received a response or resolution. I am requesting that the mortgage servicer provide the following documentation and clarification : A complete escrow analysis worksheet used to calculate the shortage Documentation of the homeowners insurance premium used in the analysis A copy of the property tax bill used in the escrow calculations A breakdown of all escrow disbursements that allegedly caused the shortage Confirmation that the escrow cushion complies with RESPA Regulation X ( 12 CFR 1024.17 ) At this time, the increase appears to be based on projections that are not clearly supported by actual tax or insurance documentation. I am requesting a full review and correction of the escrow analysis if errors are found.

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 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I tried to make settlement arrangements with a credit card debt but because I received letters from XXXX companies alleging ownership of this debt, so I have not been able to determine who is the legitimate owner of the debt. this is for an alleged debt with army & air force exchange service. I can't pay for a debt twice, so can someone please help to settle this matter, for this is severely causing me financial hardships, due to automatic is treasury garnishing my irs refunds.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
This account was closed without my consent. I was not able to use my credit card or resolve anything with this company. My personal information has been breached in a Data Leak. They used my information without my consent. This is negativity impacting my credit score. I need this removed immediately from my credit report so that there is no more of my personal information used without my consent that can lead to more identity fraud. I have asked them several times to remove this from my credit report, however they have failed to do so. They did not take inconsideration anything to help me with my issue that they made on my account and with my personal information being compromised.

Company response to consumer: Closed with non-monetary relief