vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: TX

Complaint narrative:
I am submitting this complaint as a follow-up to a prior CFPB complaint ( ID : XXXX ), which XXXXXXXX XXXX / MidFirst Bank closed with an explanation that is incomplete, unsupported, and fails to resolve specific account discrepancies. While the company claimed to have provided explanations, it did not provide transaction-level documentation necessary to verify the accuracy of my loan. The following specific issues remain unresolved : 1. Late Charge Accounting Errors The payment history shows UNCOLL LATE CHARGE reversals while a cumulative late charge balance continues to be maintained. The company did not provide a reconciliation showing how reversed charges remain in the balance or whether they were properly re-applied. 2. Unexplained Principal Applications Repeated ADDITIONAL PRINCIPAL entries ( e.g., {$140.00} ) appear without identification of the source of funds or borrower authorization. No documentation was provided showing where these funds originated. 3. XXXX / Mortgage Insurance Adjustments Entries labeled XXXX XXXX appear as escrow adjustments without explanation or documentation. No accounting of mortgage insurance ( MIP ) charges or remittances to HUD has been provided. 4. Escrow Accounting Deficiency The company provided only projected escrow calculations rather than a full transactional escrow ledger. No running balance, disbursement verification, or reconciliation of actual payments for taxes and insurance was provided. 5. Failure to Provide Payoff Reconciliation The company asserts there is no discrepancy between the XX/XX/2025 statement and XX/XX/2025 payoff but did not provide a line-by-line reconciliation, per diem interest calculation, or breakdown of payoff components. Despite closing the complaint, the company has not provided sufficient documentation to verify the accounts accuracy. I am requesting that XXXX XXXX be required to provide full transaction-level accounting and documentation to support its claims, as required under RESPA ( 12 CFR 1024.35 and 1024.36 ).

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Fig Tech Inc.
State: FL

Complaint narrative:
I was apart of a data breach with XXXX and my information with leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On Thursday XXXX I received XXXX notifications from XXXX regarding ATM withdrawals XXXX XXXX XXXX ( I was at work in XXXX, XXXX from XXXX with the XXXX card on my person ) : XXXXXXXX XXXX XXXXXXXX = {$180.00} XXXX $ XXXX = {$200.00} XXXX $ XXXX = {$160.00} I also received a text from XXXX at XXXX stating, " Did you try to use your XXXX Debit Card XXXX XXXXXXXX for {$140.00} USD purchase at XXXX XXXX XXXX XXXX Reply YES or NO. '' I replied " NO '' to block the attrmpted XXXX unauthorized transaction and locked/destroyed my XXXX card, ordered a new one, and initiated disputes for the XXXX transactions that went through ( {$180.00}, XXXX, XXXX ). On the Sunday the XXXX I got emails that all XXXX disputes were denied but was provided with zero reasoning or feedback. I contacted customer support AGAIN and they didn't provide ANY info about why it was denied - just that I could mail them with the case numbers for more info. She said she was going to escalate the situation and I should receive an email regarding it soon. I still haven't received that email and I doubt I will. Actually, I doubt they did any investigation AT ALL. All the transactions are listed as from " ATM Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX but I can not locate which location is " XXXX '' to contact them. Surely the ATM has a camera or something ; not that I was even in the same city.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
Formal Dispute and Demand for Validation Account # : XXXXXXXX XXXX XXXX ( as reported on my credit file ) To Whom It May Concern, I am formally disputing the validity of the above-referenced account. This letter serves as a request for full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA ). I do not acknowledge this debt as valid and request that you provide competent evidence supporting your claim. Specifically, I demand the following documentation : A complete, itemized medical bill from the original provider, including dates of service, procedures performed, and all charges. The full name and address of the original medical provider. Documentation bearing my signature demonstrating that I agreed to be financially responsible for the alleged debt. Proof that your company has legal standing to collect this debt, including a copy of the assignment, transfer, or purchase agreement. A complete chain of custody of the debt from the original provider to your agency. A detailed accounting of the amount claimed, including any interest, fees, or adjustments, and proof that all insurance payments and contractual adjustments have been properly applied. Proof that this account is being reported accurately and in full compliance with the FCRA. Additionally, due to the nature of this alleged debt being medical, I assert my rights under HIPAA ( Health Insurance Portability and Accountability Act ). As a third-party debt collector, you are not authorized to possess or disclose any of my protected medical information without proper authorization. Any sharing or reporting of such information without compliance may constitute a violation of federal law. Be advised : I do not consent to any unauthorized disclosure of my protected medical information. I request that all future communications be conducted in writing only. Pending proper validation, you must cease all collection activity, including credit reporting. If you are unable to provide the requested documentation, you are required to : Cease all collection efforts immediately ; and Remove this account from all consumer reporting agencies to which you have furnished information. Failure to comply with this request may constitute violations of the FDCPA and FCRA, and I reserve the right to pursue all available legal remedies. Please provide the requested documentation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 2026-04-14 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Hi, I never received my order from XXXX XXXX for order XXXX for the amount of XXXX on XXXX checking account. They first offered to send a replacement upon non delivery when I sent them the police report but then they said that they could not do anything regarding this issue.. when we did not receive the package I am emailing TD because I still have not received my items and I am requesting for things to be made right please as we love TD .. please attach the supporting evidence to the claim because this is non delivery of items We still have not received our order Thanks and we love TD .. : (

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CARD Corporation
State: TX

Complaint narrative:
I had a direct deposit issued of {$110.00} XX/XX/XXXX and when I called to inform them that the money had not reflected in my account they told me to give it 3 days. So I called that following Monday just to be told the same thing. Then I called 3 days later and was told my account was closed and that Id receive a check with that amount in XXXX days. So now its the XXXX of XXXX and Ive called twice. Both times I was told my check wasnt mailed or even processed. First time I asked to speak to a manager/supervisor they told me they didnt have one. Second time they said the same thing and I kept insisting until they said they didnt but that they would tell me the same thing. Then when I was transferred she proceeded to tell me that it was processed but she cant give me a date in which my check wasnt mailed. She cant give me a tracking number for it. Pretty much gave me no information other than itll take 60 days to get your check. Then I asked if I could get my money through ACH to another bank and they told me that wasnt an option and I just had to wait.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Tried to close account. Said account needs more money to settle outstanding balance. After money sent, requested more money and started to ask about other assets. I broke of communication with person at that point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as BK OF AMER - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that BK OF AMER has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: GA

Complaint narrative:
cc : Global Lending Services LLC - Certified Mail - Return Receipt Requested On XX/XX/XXXX, I entered into a vehicle financing transaction at XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX) for a XXXX XXXX XXXX between the time of XXXX pm to XXXX pm. The Finance Manager at XXXX XXXX XXXX XXXX assisted me in this transaction. During the process, I was presented with documents that were described as mandatory by the lender in order to complete the financing. I signed the documents in good faith and left the dealership with the understanding that the transaction was not fully finalized and was subject to final approval through a recorded financing call with Global Lending Services LLC. After leaving the dealership, I received a recorded phone call from Global Lending Services LLC to confirm and finalize the financing. During that call, I was asked whether I understood that certain items, including GAP insurance and other add-ons, were optional. I responded that I did not understand them to be optional. I was then instructed to answer Yes in order to proceed with the call and complete the financing process. The financing was finalized following the recorded call, resulting in my possession and use of the vehicle despite the approval being contingent on that call. This process raised concerns regarding how the financing was completed, which led me to request validation of the debt, clarification of how my {$600.00} down payment was applied, and a copy of the recording or transcript of the call. I submitted a written billing dispute on XX/XX/XXXX, followed by a Notice of Default / Opportunity to Cure on XX/XX/XXXX, and a final Notice of Error on XX/XX/XXXX. To date, I have not received a meaningful response or clarification to my requests. No specific or identifiable representative has been assigned to my account to address or resolve these issues. This lack of transparency is currently affecting my ability to make informed financial decisions regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-04-14 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: NY

Complaint narrative:
I am disputing two related debit card transactions with JPMorgan Chase Bank totaling {$1800.00} involving the same merchant. The transactions are : {$1300.00} on XX/XX/year> and {$450.00} on XX/XX/year>. I dispute both transactions as unauthorized. The {$1300.00} dispute was initiated first and later denied by Chase. Following that, I was advised to dispute the related {$450.00} transaction to obtain the merchants supporting documentation and review the validity of both charges. Chase denied both claims, stating the transactions were authorized and relying on documentation provided by the merchant. After reviewing the documentation provided by Chase, I identified inconsistencies between the merchant-submitted documents, including identical-looking signatures across both transactions and discrepancies between transaction type and the merchants stated account of events. I requested clarification and reconsideration from Chase regarding how the transactions were verified and what steps were taken to confirm authorization, but Chase declined to reopen the claims. I believe the investigation did not adequately address inconsistencies in the merchant documentation or reconcile conflicting transaction information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/2026, I deposited {$5000.00} in cash into a Bank of America ATM. During the transaction, the ATM malfunctioned, took my cash, and did not credit the funds to my account or return the money. I later learned that the account I attempted to deposit into had been closed the previous Friday XX/XX/2026. However, I was unaware of this at the time of deposit, and the ATM still accepted the cash. Since that date, I have made multiple attempts to resolve this issue with Bank of America. After months of follow-up, Bank of America recently issued a check for the {$5000.00} ( check date : XX/XX/2026 ) However, the check was made payable to the closed business account name, despite the bank being fully aware that the account was no longer active. As a result, I was unable to cash or deposit the check. This has caused an unreasonable delay of over four months in returning my funds. Bank of America has failed to properly investigate and resolve this ATM deposit error in a timely manner and has now issued a non-negotiable check, further delaying access to my money. I am requesting the following : Immediate reissuance of a valid, negotiable check made payable correctly so I can access my {$5000.00} without further delay. Confirmation that this matter has been fully resolved. Consideration of compensation for the excessive delay and inconvenience caused by this situation. This issue should have been resolved within the timeframe required for ATM deposit error investigations under Regulation E. I am requesting prompt action to correct this matter.

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