vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.

Complaint narrative:
In XX/XX/XXXX, I issued a written check in the amount of {$1900.00} to my landlord for rent. The check was stolen, and an unauthorized individual attempted to cash it after altering it. The bank refused the transaction. 

My landlord later informed me that the check was never received and that rent remained unpaid. Upon discovering the fraud, I went to Chase Bank located at XXXX XXXX XXXX, XXXX, NY XXXX, to report the stolen check. I was provided with a form to complete but received minimal assistance. I promptly filled out the required paperwork and submitted a police report along with all supporting documentation. 

Subsequently, Chase informed me that the check is now lost and that they do not know its whereabouts. Since then, I have been repeatedly asked to complete additional forms, including a lost check affidavit. As of XX/XX/XXXX, this matter remains unresolved, and I continue to be denied access to my funds. 

I believe Chase has mishandled this situation and failed to properly safeguard or process the check after it was reported stolen. The ongoing delays and shifting explanations have caused financial hardship and unnecessary stress. 

I am requesting that Chase promptly resolve this matter by either crediting my account for the full {$1900.00} or otherwise providing a clear and immediate resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Tried to contact about loan and my information breach never heard anything back or couldn't answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: TN

Complaint narrative:
I went on a cruise in XXXX on XXXX and I had put XXXX on my account I was supposed to receive a refund of XXXX and Cash App is saying they dont know where my money is this is the second time cash has stolen from me and I have emails with XXXX about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA

Complaint narrative:
I mailed a letter to Tidewater Finance Company via certified mail using the address that they've reported on my credit report which was : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 

In the letter I requested the following : XXXX. Notification before Disposition of Collateral ; XXXX. Timeliness of Notification before Disposition of Collateral ; XXXX. Contents and Forms of Notification before Disposition of Collateral ; XXXX. Explanation of Calculation of Surplus or Deficiency ; XXXX. Copy of the Retail Installment Sales Contract ; XXXX. Account Payment History This letter was not deliverable because the address that Tidewater reported isn't accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Rushmore servicing reached out to me and said they received my full modification package and that they had 30 days to make a final decision. It had been past 30 days and when I call to try and get an answer no one will speak to me. They state that my account is coded as litigation and they can not provide me with any information. One of the managers XXXX XXXX called me and said I was more than welcome to call and speak with him at anytime regarding the modification status but now when I try to reach him they said this is not allowed. 
I'm just trying to get a final answer on the modification so I can figure out what I am going to do in order to save my home. They have been absolutely unhelpful during this whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: FL

Complaint narrative:
CENTRALPORTF is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRALPORTF is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company : JPMorgan Chase Bank Product : Checking Account Issue : Unauthorized electronic fund transfers/ Regulation XXXX investigation failure Complaint Summary : This complaint concerns ongoing violations of the Electronic Funds Transfer Act ( EFTA ) and Regulation E related to my reasserted fraud claim ( Claim # XXXX ). 

The disputed balance arose solely from unauthorized electronic fund transfers. While the claim remained unresolved, the bank : Closed my account Referred disputed amounts to collections Withheld funds Forced me to pay the disputed balance under protest on XX/XX/year> to prevent further financial and credit harm The payment was made solely to mitigate damage and does not constitute acknowledgment of liability. 

The bank denied my claim based on the fact that I previously entered my drivers license during a legitimate merchant interaction months earlier. That fact does not establish authorization of subsequent electronic fund transfers. Identity verification at XXXX point in time is not proof of authorization for later transactions. 

The bank has : Failed to conduct a reasonable investigation under Regulation E Improperly denied a reasserted fraud claim without establishing authorization Initiated collections activity on disputed transactions Withheld funds during an unresolved dispute I am requesting supervisory review of the institutions Regulation E compliance and dispute handling practices. 

Requested Resolution : Immediate reimbursement of all disputed funds Refund of the XX/XX/year> payment made under protest Written confirmation that all collections activity has been permanently withdrawn Written confirmation that no adverse credit reporting has occurred or will occur This matter has been ongoing for months and remains unresolved despite executive escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I initially disputed a transaction of an insurance charge that I did not subscribe. After I contact the insurance, they sent me a check to refund me the charge. So, I withdrew the dispute. However, two reversal charges were subsequently posted to my account for the same transaction, resulting in a duplicate charge of {$2100.00}.

I have been contacting Citi XXXX billing department since XX/XX/year>. The customer representative told me it should be resolved within 7 to 10 business days. The next week, on XX/XX/XXXX, I called again and found it was not processed. I gave a follow up call on XX/XX/XXXX, the issue was still there. I asked the customer representative to escalate it. Today, on XX/XX/XXXX, I called again to check the status, the customer representative said it is still under investigation. My payment date is XX/XX/XXXX. I asked the representative if I don't pay the duplicate charge, will I be charged the interest for the {$2100.00}, the representative said yes.

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 monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company closed credit card cause they no affiliate with the company that I got the credit card with which is diamonds international.I told them that because they closed their credit card that my credit to score went down and they didn't really care about it. They gave me attitude knowing that I have been paying every month on time. but for them to go ahead and close the account and hurt My credit score like that was not right. I told them I was not going to pay them anymore because they already messed up my credit so what does it matter? If I need to pay them, they got upset and they're now starting to harass me and calling me almost every hour of the day, I told them that they should have opened my account, and they should have kept it open. There was no need to close it.I understand that they were not working with the company anymore.But they should have left that card and made it to a credit card where I can use anywhere since I had good standards with them.They didn't care what I had to say.Horrible customer service.I really don't want to deal with them.I want my debt remove because of the poor customer service and how they hurt my credit score so bad i've been doing very good and therefore it's to drop like that because of their closing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: TX

Complaint narrative:
Account VANCE & HUFFMAN LLC XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide Certified Malil '' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Complaint TransWorld Systems Inc Company : TransWorld Systems Inc Issue : Fraudulent collection / Identity Theft The TransWorld Systems account is fraudulent and the result of identity theft. 

This account is included in my FTC Identity Theft Report ( FTC Report Number XXXX ). I have no agreement with this company or the alleged original creditor. 

I am requesting : Immediate removal from all credit bureaus Written confirmation of deletion Termination of collection activity Investigation consistent with FCRA requirements Continued reporting of identity theft accounts is improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence Resource Management is reporting a collection account on my consumer credit report without providing proper validation or documentation proving I am legally obligated for this alleged debt. 

This account is being reported inaccurately and without proper verification, which violates the Fair Credit Reporting Act, including but not limited to : FCRA 607 ( b ) failure to ensure maximum possible accuracy FCRA 611 ( a ) failure to conduct a reasonable investigation FDCPA 809 failure to provide proper validation of the alleged debt I have not received sufficient documentation, including a signed contract, full account history, or proof of legal assignment, that would legally justify their continued reporting of this account. 

Credence Resource Management is required under federal law to report only information that is fully accurate and verifiable. 

If they can not provide proper documentation proving the validity and legal authority of this account, this account must be deleted immediately. 

I am requesting the immediate deletion of this account from my credit report. 

Failure to correct or delete this inaccurate information constitutes negligent and willful noncompliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: Chime Financial Inc
State: OH

Complaint narrative:
Chime took {$180.00} from me on XX/XX/year> at XXXX pm. They snatched my money before it even had the chance XXXX hit my checking account. They are tryna play me like I'm XXXX XXXX  argued with me XXXX  not give me my money. They have did this XXXX  multiple people and that's not right. I've tried talking XXXX them but I'm over it. I need my money back I have bills XXXX  that snatched my money talking about credit builder auto pay something I didn't ask for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting XXXX  my credit file XXXX  is against my rights XXXX  fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FDR Asset USA LTD
State: SC

Complaint narrative:
FDR is falsely reporting on my credit. I have never had any accounts with them. Per my research FDR is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX sc XXXX XX/XX/year> XXXX Formal Dispute of Unverified XXXX  Inaccurate Credit Reporting I am disputing the CREDITACPT account as it appears on my consumer credit report due XXXX  violations of federal consumer law. 

This account has been reported without proper validation as required by XXXX XXXX XXXX ( b ) ( XXXX ). No evidence has been provided showing lawful authority XXXX  collect or furnish this account. 

Additionally, this account was furnished without providing me a proper opportunity XXXX  dispute in violation of XXXX XXXX  XXXX ( c ) ( XXXX ) ( i ). 

Reporting this account without required disclosures constitutes false, misleading, XXXX  deceptive representation under XXXX XXXX XXXX. 

Pursuant XXXX  XXXX XXXX XXXX ( b ) XXXX  XXXX XXXX XXXX, unverifiable XXXX  incomplete information must be deleted from my credit file.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland credit management stated that I have old debt with the company XXXX XXXX XXXX. I have contacted XXXX they do not have any record of this debt with Midland credit management. I tried to contact Midland to talk with someone they refused to talk to me about the matter. 

COMPLAINT ID : XXXX XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Since the start of XX/XX/year>, I have attempted to sell the remaining investment positions in my HSA Bank account in order to transfer the funds to a new XXXX at a different institution. Each time I have attempted to sell the positions, I receive a message stating " Your request to SELL XXXX for {$8800.00} failed. '' or " Your request to SELL SSSYX for {$14000.00} failed. '' I have contacted HSA Bank both my message and phone, roughly 6-8 times in total. Representatives keep saying try again later or that the issue has been escalated and will be resolved, but nothing has happened. At this point, they are essentially holding my money hostage. This inevitably means the account is vulnerable to market fluctuations that I can not manage since the funds are locked up and enables HSA Bank to continue to retain the funds despite my continued attempts to transfer them. This is fraudulent behavior that needs to be addressed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CO

Complaint narrative:
Hello, I am in the middle of a triangle between XXXX XXXX and Sunwest Mortgage. This has been going on since XXXX. XXXX XXXX contacted me about refinancing our house. After turning in all the paperwork they wanted and them doing a hard inquiry on my husband and I 's credit, I was told the loan through Sunwest Mortgage was approved. They just needed an appraisal. The appraisal was {$700.00}. It was ordered by XXXX XXXX and fulfilled through Sunwest Mortgage using a XXXX party XXXX. The house value was grossly overestimated though with the difference being about XXXX in equity. The quote they initially gave me was a home value of XXXX. It appraised at XXXX. Since the house was worth so much less than they had estimated they refused to do the loan. XXXX refused to give me my money back for the appraisal. The only reason I got the appraisal was for the purpose of getting the loan. I left a XXXX review of XXXX XXXX and was told to contact sales. After almost a week sales responded that I would have to talk to XXXX. XXXX also refused saying the appraisal was already paid for and no refunds. I disputed the charge with my bank and was denied. So I am currently filing an appeal of the banks decision. XXXX went as far as to text me again a few days ago with the same bogus loan offer. Like they didnt even remember the whole thing. I have no use for an appraisal as we are not looking to sell and with the value of the house being so low we can not obtain a loan elsewhere. I feel that since they didnt do their due diligence to get an accurate house value instead of pulling a value off XXXX and since they didnt honor the loan I should be given a refund. I now have a hard inquiry on my credit and that has caused my score to go down. Plus late fees since they had said we could skip two mortgage payments. The XXXX was supposed to help pay the mortgage but they said we wouldn't have to pay. Now I'm behind every month as it is taking till the end of each month to get the money together.This has caused undue hardship to our family. I just want my XXXX back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Kiwi Financial Inc.
State: PR

Complaint narrative:
Kiwi sent me an email on XX/XX/XXXX to confirm that my automatic payment {$120.00} was not processed on the XXXX and offering me other methods to make my payment. So on XX/XX/XXXX, I entered their app and made the payment + {$10.00} that they charged me for return payment. To my surprise, the next day I see that they charge me BOTH amounts {$130.00} ( authorized ) and {$120.00} ( unauthorized ) even though they have already confirm the return, imposed the charge, without a notification of any retry nor my authorization to make another payment. 
On Friday I emailed them asking to refund or transfer my payment for {$130.00} due on sunday, whith all they requested evidences. Which of course didn't happen, barely answered me telling that they were sorry and will be contacting me. They left me without money as per today and for the entirety long weekend ( which it's an abusive procedure ), probably a return payment from my insurance thanks to them.

Company response to consumer: Closed with explanation