vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I went by ambulance to XXXX XXXX XXXX ; I received a bill for the physician that diagnosed me wrong, I contacted the Emergency Specialist of XXXX 8 times and gave them the insurance information. My insurance at that time XXXX, did not receive any bills. It was sent to a collections agency and I updated them, then it went to another agency ABILITY RECOVERY SERVICES XXXX XXXX XXXX XXXX, PA XXXX I informed them as well it has to be sent to the insurance company.... When I asked for the itemized bill to attempt to send to insurance myself, they could not produce it. Emergency Specialist of XXXX apparently closed. I informed both collection agencies that there was nothing I could do for them if Emergency Specialist of XXXX is closed, it has to be sent to the insurance company.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XX/XX/year> - Called Citi Customer Service 5 times to figure out what to do to access my account to ensure no fraud. I was told repeatedly that I would have to wait XXXX weeks to access my account. Meanwhile I could call them and have a service rep from a call center READ me my charges and what I owed. Apparently they expected me to follow them blindly. I finally was told I could have them send text and email alerts if someone used my card. I agreed to that ( I was concerned about fraudulent charges. ) and then when they set up my email for alerts, I got XXXX DIFFERENT card alerts for XXXX different numbers. This was alarming. I tried to speak to the fraud unit about this and was blocked by a service representative who repeatedly ignored my request.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter from chase bank that stated they are closing all my accounts .. Business checking and all credit cards due to an indecent .. I did not get a explanation time or date for this incident or a email, letter or a phone call, ,They also denied me access to pay my business loan via internet which sent my account int default, making it difficult to continue making online Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Subject : Mortgage Servicing Error Failure to Apply Escrow Funds & Unauthorized Withdrawals Complaint : Loan XXXX XXXXXXXX I am filing a complaint against Select Portfolio Servicing , Inc. regarding serious errors in the handling of my mortgage payoff and restricted escrow insurance funds totaling {$100000.00}. ( insurance payout out after our home was flooded from XXXX ) At the time of my loan payoff in XXXX, I was explicitly informed that our restricted escrow ( insurance ) funds would be applied toward the payoff balance. Based on this representation, I remitted the remaining funds required to satisfy the loan in full on XX/XX/year> However, SPS has failed to apply these escrow funds to the loan payoff as represented. Additionally, despite the loan being paid off, SPS has continued to draft two mortgage payments from my bank account after the payoff date. These withdrawals are unauthorized. This situation is unacceptable given : The restricted escrow funds ( our flood insurance payout after our home was flooded ) have been held for over one year by SPS The loan has already been paid in full, net of these funds Unauthorized payments have continued after payoff SPS failed to provide the promised update within 14 days after my many calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint due to inconsistent and conflicting reporting by the furnisher and credit bureau in a prior response, I was informed that this account was no longer being reported and or that XXXX XXXX deletion had been requested however, in the most recent CFPB response dated XX/XX/2026, the furnisher verify the same account as accurate, and it remains on my credit report these statements directly contradict each other and account can not simultaneously be not reported or pending deletion, and also be verified as accurate, and actively reported this raises concerns about the accuracy and reliability of the investigation conducted under the fair credit reporting act I am requesting a clear explanation of this contradiction. Documentation of the verification process used immediate deletion of the account. If it can not be consistently and accurately verified, I have attached prior correspondence supporting my claim.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I sent a message through the app regarding this issue, which has been deliberately ignored. There has been no attempt to contact me or resolve my concerns, including no follow-up calls or meaningful responses. Additionally, I reached out again concerning a rent payment that was supposedly sent to my property management. They have confirmed that the payment has not been received, which resulted in a late fee being added to my account. I was specifically trying to avoid additional fees associated with paying by bank account or credit card, as I do not have extra funds beyond my rent at this time. The lack of communication and failure to properly process or confirm this payment has directly caused financial consequences for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/26 i did a international wire transfer of {$33000.00} us dollars to XXXX XXXX XXXX XXXX citi bank account. The transfer was rejected by XXXX on XX/XX/26 in the amount of {$33000.00} us dollars. XXXX XXXX is saying that citi bank have not returned the money to them to be deposited back to y account

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 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
To whom it may concern at CFPB iam writing this complaint because the debt collection agency Selip & Stylianou LLP ( XXXX ) XXXX XXXX ext XXXX is collecting my payment for XXXX XXXX who Discharged the XXXX debt i owed they threaten to take me to court, I called and settled the debt to pay {$230.00} a month I called to have Selip who is collecting the XXXX XXXX monthly payment to get incontact or send me a letter to send to XXXX credit bureaus to.have my account updated to show my current balance they dnt want to give me a letter neither does XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I disputed an account reported by Spring Oaks Capital LLC and requested full validation of the alleged debt. I specifically requested a copy of the original signed agreement, complete payment history, itemization of the balance, and proof of ownership or assignment of the debt. On or about XX/XX/year>, the company responded by providing a document showing account information, a basic transaction summary, and a copy of a loan agreement from the original creditor. However, this response did not satisfy my request for validation. The documents provided do not establish that Spring Oaks Capital LLC has legal ownership of the debt, as no assignment or transfer documentation was included. Additionally, the information provided does not clearly explain how the current balance was calculated or verify that the amount reported is accurate. I submitted follow-up disputes requesting clarification and specific documentation, but the company refused further investigation, stating my dispute was substantially the same, without addressing the missing information. Despite failing to provide complete validation, the account continues to be reported on my credit report. I am requesting that this account be removed from my credit report if the company can not provide full and verifiable documentation supporting both the accuracy of the balance and their legal right to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: NJ

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My name is XXXX XXXX. On XX/XX/XXXX I signed into my Wells Fargo bank account to make a transfer of funds ( {$2800.00} ) from XXXX XXXX On XXXX XX/XX/XXXXinto my personal checking account to pay our monthly bills. I do this every month. This time, they added prompts for credit card accounts that had been charged off. I have never seen these before. Out of habit I pushed the first button which happen to be an old credit card ending in XXXX. As soon as I pushed the button I knew I made a horrible mistake. I called both banks immediately. First, XXXX stated that the funds are automatically sent on the push of the button. I then called Wells Fargo. I ask for them to please allow me to change the transfer to my personal account. They refused. I ask for a supervisor, they refused. I explained to them that my husband is on retired XXXX ( XX/XX/XXXXXXXX ) and that I'm onXX/XX/XXXX. I'm begging for them to change it. They could care the least. I need to explain the situation with the credit card ending in ( XXXX ). I have been working with XXXX XXXX since mid XXXX to get my debt reduced. They have been handling negotiations for me. I totally understand that I made a terrible mistake. But, I'm XXXX and unfortunately things happen. I have been working so hard to keep things paid with limited funds. Wells Fargo changed those prompts for a reason. They were aimed at people like me that are habitual. This bank is not friendly towards the elderly in my opinion. They have no compassion. It's all about the money. But, even so, they are using unsavory methods to trick people. My request is for that {$2800.00} to be transfered into my personal checking account and so I can pay bills. Then let XXXX deal with the agreed upon settlement. Thank You. XXXX XXXX XXXX

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
CFPB Complaint : I have been a Bank of America customer for over XXXX years. In [ month/year ], I deposited a check from a company I do business with. After the deposit, Bank of America did not notify me of any issue with the check beyond saying that the companys account was frozen or on hold. The company then issued me a new check, which I deposited. Before depositing the second check, I called Bank of America customer service to ask if there was any way to verify whether the check was valid before depositing it. I was told that the only way to know was to deposit the check. About a week later, I discovered I could no longer access my account. When I contacted the bank, I was told that after reviewing my account, Bank of America had decided to close it. No clear or specific explanation was provided, even though I completed identity verification when requested by a fraudrelated department. I am requesting CFPB assistance because Bank of America has not provided : A clear reason for closing my accounts Information on the status or release of any held funds Confirmation that I was not incorrectly reported to XXXX or any fraud databases I believe this closure was made in error or based on incomplete information. After more than XXXX years as a customer in good standing, this sudden and unexplained account closure has caused significant inconvenience and concern. I am requesting that Bank of America provide a specific explanation and resolve any negative reporting that may have been made.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XX/XX/XXXX, XXXX Abrupt Closure of All Accounts Without Notice or Opportunity to Resolve I am submitting this complaint regarding the sudden and unexplained closure of all of my accounts by Chase Bank . I maintained multiple accounts with Chase for over a year, which were used for legitimate personal and business purposes, including managing LLC-related income streams such as mortgage note payments. My accounts were in good standing, and I had no prior issues. I received a generic email referencing suspected fraud, but no specific details were provided. I visited a branch shortly afterward to address the matter and worked with a representative who attempted to resolve any concerns. I was told that follow-up would occur, and I reasonably expected the issue to be cleared. Instead, without further notice or meaningful communication, all of my accounts were closed. I was later told that attempts had been made to contact me, but I did not receive any calls, emails, or messages through online banking that would have allowed me to respond or resolve any issue. The sudden loss of access to my accounts caused immediate and significant disruption. These accounts were connected to incoming payments from multiple mortgage notes and outgoing financial obligations. The closures resulted in direct financial costs, operational disruption, and substantial time required to reestablish banking relationships. At no point have I engaged in fraudulent or improper activity. My XXXX report reflects no negative information. I am requesting : 1. A clear and specific explanation of the reasons for the account closures 2. Confirmation that no inaccurate or negative information has been reported about me to XXXX, XXXX XXXX XXXX, or any other third-party systems 3. Clarification of whether this action was based on address-related or identity verification issues, and whether the matter could have been resolved with proper communication 4. Any available reconsideration or review process, if applicable I am willing to provide any documentation necessary to confirm my identity and legitimate financial activity. The lack of transparency and absence of a meaningful opportunity to resolve the issue before closure has had a serious impact, and I am seeking clarity and accountability regarding this matter. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
On XX/XX/2026, I received a promotional email from the bank inviting me to make a large deposit by XX/XX/XXXX and leave it on deposit for at least 90 days, at which time I would receive a large bonus. I saw the headlines, but did not read beyond that, so I did not see the instructions to " enroll '' my account in the program. I am XXXX, and was under some stress at the time, so I stopped at the headlines. I have only one account, maintained at a small amount, and had not made a deposit for some time. On XX/XX/XXXX I called the bank to ask when the 90 days would be up, and when I would receive the bonus. I used the " chat '' function, and was informed that my account was not enrolled in the program, so there would be no bonus. I responded that I had made the deposit at the required time, and had only the one account, and I thought that since the deposit was clearly made in response to the promotional email, the bank should consider me enrolled and pay the bonus. The bank 's answer was the same. On XX/XX/XXXX I used the chat function again, and asked for an email for an officer to whom I could make a written complain. The bank answered that they could not give me any email. I called the contact number for the bank, and made the same request to the person who answered. When they said they couldn't give me an email, I asked for their supervisor, and was transferred to one. The supervisor informed me that they could not give me an email to make a written complaint. They said I could make an oral complaint, and the complaint department would look at it, but there was no way to make a written complaint to an officer or anyone else. They said I could use the chat and take a screen shot or use my browser print function. I said I had tried my print function for the previous day 's chat, and it didn't work. They said there was no other way to make a written complaint to the bank. I asked if the only way to lodge a written complaint was through a supervising agency, and they said that was my option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a billing dispute that was incorrectly denied. On XX/XX/year> I was charged a no-show fee of {$380.00} by XXXX XXXX XXXX I disputed this charge because I did, in fact, show up for my reservation and did not receive the service. I arrived at the establishment as scheduled, but I was refused seating. After waiting approximately 30 minutes without being accommodated, I left. I also provided Capital One with documentation from XXXX showing that I was initially marked as checked in, which was later changed to no show. This contradicts the basis for the no-show fee. Capital One denied my dispute based on documentation provided by the merchant. However, the documentation was only a copy of the merchants general policy and did not include any proof that I failed to appear or that the charge was valid in my specific case. A policy alone does not demonstrate that I no-showed. No transaction-specific evidence ( such as accurate check-in records or service confirmation ) was provided. I believe this dispute was not properly investigated. I am requesting that Capital One : Reopen and reinvestigate the dispute Provide specific, transaction-level evidence supporting the charge Reverse the no-show fee, as I was present for my reservation Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
" I am disputing the account being reported by LVNV Funding LLC. As a debt buyer, they have provided no evidence of a legal contract or a chain of title proving they own this debt. They are reporting inaccurate information and misrepresenting their status as a creditor rather than a debt collector. I request that this unverified trade line be removed from my credit report immediately. ''

Company response to consumer: Closed with non-monetary relief