vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased a bathtub for {$2600.00} using my checking account. The product has since developed multiple defects, including LED lighting failure, a detached light fixture, and surface discoloration despite minimal use. Because the unit contains electrical components and is sealed, it can not be safely repaired or used. I first reported the issue to the seller on XX/XX/XXXX and made multiple attempts over several weeks to resolve it. I provided photos and requested a refund or replacement. The seller gave inconsistent responses, initially referencing warranty coverage, then denying it, and ultimately offering only a replacement with no clarity on removal and reinstallation costs or a partial refund of {$200.00}. This does not resolve the issue. I then contacted my bank to dispute the transaction. The bank denied my claim solely based on a XXXX limitation, without conducting a reasonable investigation into the defect, merchant conduct, or supporting documentation provided. This transaction involves a defective product and failure of the merchant to provide an adequate remedy. Under Regulation E, I believe this qualifies as an error requiring investigation. The bank failed to properly review the dispute and relied only on timing rather than the substance of the claim. I am requesting that the bank properly investigate this dispute and provide a full refund.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2026-04-09 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: Netspend Corporation
State: OK

Complaint narrative:
For the last XXXX XXXX I haven't been able to obtain any of my money because they keep charging my card XXXX decline fees and I haven't been checking it at all I just don't understand for the last XXXX months I can't get my utilities check from XXXX XXXX so I can't pay part of my utilities.....

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 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: GA

Complaint narrative:
The debt they are saying i owe is not a debt that is mines. I have the police report to prove fraud on my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My vehicle was towed back in XX/XX/XXXX. In XX/XX/XXXX i paid all of my fees to the tow company and retrieved my vehicle. In XX/XX/XXXX i tried renewing my tag but XXXX notified me i can not bc the car title has been under the tow company since XXXX XXXX tow company said they mailed my title back to the financial institution, ally. Ally says they never got such title. Its now XX/XX/XXXXXXXX XXXX months w an expired tag that i can not renew bc the title isnt under my name. The towing company mailed the title back to ally for a second time and did everything on their end. XXXX AND XXXX have clarified that the vehicle is not under my name. Its unacceptable that i keep making car payments, insurance payments on a car that I can not use. Its been XXXX months w a car that i can not drive as it has an expired tag, XXXX months of making payments on a car that i can not drive, XXXX months of stress. I am filing a complaint against Ally Financial regarding mishandling of my vehicle title, which has caused me financial harm and prevented me from legally operating my vehicle. In XX/XX/XXXX, my vehicle was towed. In XX/XX/XXXX, I paid all required fees to the towing company and regained possession of my vehicle. At that time, the towing company transferred the title out of their name and mailed it back to Ally Financial, my lienholder. However, as of XX/XX/XXXX, Ally Financial claims they never received the title. As a result : - The vehicle title is not properly recorded under my name or lienholder - I have been unable to renew my vehicle registration since XX/XX/XXXX - My tag has been expired for XXXX months - I have continued making monthly car payments and maintaining insurance on a vehicle I can not legally drive The towing company has stated they completed their obligations and returned the title to Ally Financial. Meanwhile, Ally has failed to resolve the issue or provide a clear solution. This situation has caused financial strain, loss of use of my vehicle, and significant stress. I am requesting that Ally Financial : 1. Immediately resolve the title issue, including reissuing or replacing the title if necessary 2. Provide reimbursement or credit for the months I have been unable to legally use my vehicle 3. Conduct a formal investigation into the missing title I am seeking urgent resolution as I have been without the ability to legally drive my vehicle for several months through no fault of my own.

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 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
First I had mailed the equipment if it was lost in the mail that is beyond my control. Also the amount I supposedly owe ( despite me returning the equipment ) isn't the same amount it says I owe on my collections so I would like clarification for that it states I actually owe {$430.00} and not the amount that was sent over for my verification of debt. Also I would like verification that you all had tried to reach out to me as I have no mail from you all or received any contact and according the Fair Credit Reporting act before attempting to collect any debt you all must have tried to do so. Also when I returned the equipment to XXXX I reached out via phone and let them know in advance when to expect it, so as I stated if it got lost in the mail that is beyond my control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: COLORADO HOUSING AND FINANCE AUTHORITY
State: CO

Complaint narrative:
My mortgage entered approved forbearance in XX/XX/XXXX. At the time of approval, I specifically asked what I needed to do going forward and was told by phone that there was nothing further I needed to do. I relied on that representation and was not clearly advised that I had to make a 30-day check-in call to keep the forbearance active, or that failure to do so would terminate the forbearance and lead to foreclosure activity. Later, I discovered that the account had been moved into foreclosure status. When I contacted the servicer, I was told the forbearance had been ended because I did not call every 30 days and that this requirement appeared in the written agreement. I disputed that because I had been told by phone that there was nothing further I needed to do. After I called and raised the issue, I was placed back into forbearance / loss mitigation status, but the foreclosure activity still remained on the account and continued to move forward. The foreclosure law firm has since confirmed in writing that its file remains on hold, that the foreclosure sale will not proceed while the file is on hold, that the sale was continued to XX/XX/XXXX, and that I may sell the property and pay off the loan before any foreclosure sale. I am requesting a full written explanation of the servicing and foreclosure timeline, the relevant call logs and recordings, the servicing notes, the dates of forbearance approval, termination, and reinstatement, the date foreclosure activity was initiated, and a review and removal of any improper foreclosure-related fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
The vehicle was stolen and crash and I didn't have the money to pay for the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
My XXXX XXXX XXXX was paid off by my credit union to GM XX/XX/XXXX. Receipt of payment was confirmed by GM. After payoff, but not until XX/XX/XXXX, GM sent a title for someone else 's car to my credit union ( a XXXX ). My credit union informed GM that they mailed the wrong title. GM then said that they would send a prepaid envelope to my credit union for them to mail the wrong title back. My credit union did not get the envelope for another XXXX weeks. In the mean time GM still did not send the correct one ( XXXX XXXX ). GM has confirmed they have the title to the XXXX back. GM has had {$23000.00}. Since XX/XX/XXXX. I have XXXX calls logged to GM. The title still has not been sent and my credit union is very concerned and has been contacting me to get the title. I have had XXXX different people say they have " escalated '' my issue. Still nothing. They is a law regarding how long a title can be help once a loan has been paid off. I believe they have long passed the limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing this complaint against National Credit Systems ( NCS ) for deceptive collection practices and misrepresenting the status of debt. In addition to threatening to take legal action and contact credit bureaus. On XX/XX/year>, I reached a settlement agreement with the company to resolve an apartment-related debt for a total of {$290.00}. I was told this payment would settle the account in full. I made the payment on that date, and the company subsequently removed the derogatory marks from my credit reports, confirming the account was settled. However, on XX/XX/year>, the company sent me a new notice claiming I still owe {$2600.00}. This letter was dated the day after my settlement payment was processed. In addition, the letter included a threat stating, " Be advised, we will soon report this account to one or more of the XXXX major national credit bureaus, XXXX XXXX XXXX XXXX XXXX. '' The company is now attempting to collect even more debt that I was not informed of, when I was told by one of the agents, the day of the settlement, that my case is closed and that I no longer owe any money. This action misrepresents the amount and legal status of the debt, which a violation of the FDCPA and XXXX XXXX XXXX XXXX. I have attempted to dispute this this through the company 's website, but I have been completely ghosted and it has been radio silent from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: Block, Inc.
State: MD

Complaint narrative:
Hi, Im reaching out about a dispute I filed. I was charged {$150.00} from XXXX on XX/XX/XXXX. I submitted a dispute on XX/XX/XXXX, and XXXX informed me that they released the funds back to Cash App on XX/XX/XXXX. However, I still havent received the refund in my account. Can you please check the status of this and let me know when I can expect the funds to be returned?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I originally went to the ATM at the bank early morning before going to my store to open at XXXX. The ATM was not accepting deposits and gave an option to deposit via mobile. I did just that while still in the parking lot of the bank. I received an email stating my funds would be available in 2 days ( today ). I checked my account this morning and there had been no deposit. The check was issued to me from my property management company for my Tenant Improvement Allowance in the amount of {$15.00}, XXXX. I called Chase bank and spoke with a representative who told me the hold was due to the fact they could not verify the funds as the issuing bank ( ( XXXX XXXX ) advised them they do not verify checks over the phone. So the representative ( XXXX ) advised me to reach out to XXXX Bank and to call back with the Bank XXXX 's name and XXXX number. I went to XXXX XXXX and spoke with a bank representative, XXXX was not there and they said they do not verify checks and that I needed to speak with the company that wrote the check. I then contacted my property management team ( XXXX XXXX ) and spoke with the accounting department ( XXXX XXXX who said to have the bank call her directly to verify the funds. She gave me her phone number and said she will be there but if they get her voicemail she will call them back and they can call her again because she knows Chase has to call her to verify the phone number. After speaking with XXXX, I called Chase back and spoke with XXXX with whom I provided the same phone number XXXX provided me to reach her directly. He placed me on hold and came back and said he could not verify the phone number. I asked did he leave a message for XXXX, he said no. He couldn't verify the phone number but he said since I have been with Chase for a long time he will approve the release of the funds, but it would go to a second team and we would just have to cross our fingers for them to approve the release. If the second team did not approve the release and I didn't see the funds in my account in an hour that means the release was denied. I asked if the second team was a final decision or do they continue to try and verify the funds? He repeated that if it was denied then it will be released on the XXXX. I was not satisfied with that reasoning. This money is needed asap to pay bills that are overdue and to help my business stay afloat. There has not been any due diligence on Chase 's part to verify the funds. I have been a long time customer of Chase as well as my dad who also has an account with Chase but now I am thinking about closing all accounts and just dealing with one bank. My dad and I also have XXXX bank and we have had no issues with them, but this seems to be a reoccurring problem with Chase. I would like my funds released ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
My name is XXXX XXXX my complaint is about multiple bank freezes by XXXX XXXX XXXX also known as XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is bank manager, a ruling by the courts ordered me to pay judgements of XXXX for case # XXXX and XXXX for case # XXXX. I was not able to pay judgement, therefore a receiver was appointed by XXXX XXXX and XXXX over XXXX years, my bank account was frozen several times, and money removed without receipts or a trace of where it went. I believe COLLUSION, abuse of power, wire fraud, money laundering occured .attached are copies of emails and bank statements showing the untracked cash that was removed from my account. Also me reaching out to parties to resolve issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
This company XXXX XXXX opened XXXX credit cards without my knowledge or permission ; they were all opened in XXXX Capital One {$6000.00} XXXX XXXX XXXX {$3300.00} XXXX {$2200.00} XXXX XXXX {$1700.00} I did not order nor received anything from this company, I am XXXX XXXX XXXX, what do I do with a consulting company? My XXXX is my only income. I tried many times to call each credit card company ; but never received any response. The company XXXX XXXX XXXX said they could help me to settle with the debtors, it took {$320.00} from my XXXX account monthly, but I learned they did not pay the company. I revoked the service, but they only gave me half of the money they took from my account. I attached the contract herewith, it is another rip-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Midland credit and XXXX XXXX purchased third party debt asked over the phone for proof of signed wet original contracts thesr debts were written off off companies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: LA

Complaint narrative:
am filing a complaint against Chase regarding a XXXX transaction of {$3200.00} made on XX/XX/2026. The funds were sent to an unknown individual ( XXXX XXXX ) with whom I have never had any communication or relationship. This person is not in my contacts, and I have no history of interaction. I intended to send this payment to my landlord, with whom I have an established payment history. Immediately after discovering the issue, my account access was restricted, and I was required to reset my credentials due to suspected suspicious activity, indicating a possible compromise of my account. Despite this, Chase denied my claim and refused to reopen the case. I am requesting a full reinvestigation of this transaction, including details such as the IP address and device used, as well as efforts to recover the funds. I believe this situation involves either unauthorized activity or a failure in transaction verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase Bank , N.A . causing problems for me to file my taxes in a timely manner because they couldn't retain my closed credit card account statement information for another XXXX months. JPMorgan Chase Bank , N.A . purged all my credit card statements and year end summary information after on XXXX months. I had to make several calls and had much trouble even getting a live person on the phone in order to try to get this information, which is needed for filing my taxes, and had to escalate to a supervisor in order to get them to mail me copies of my statements, which they said will take several weeks. I was never notified by the bank that they would be deleting my business credit card information so that I could download my statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: FIRST NATIONAL BANK OF OMAHA
State: NJ

Complaint narrative:
I applied for a loan FNBO XXXX XXXX XXXX personal loan ) .which was within the company 's 45-day satisfaction guarantee period, I sent a formal request via email to cancel the loan application and stop any future withdrawals. Despite my timely cancellation request, the company proceeded to make an unauthorized withdrawal of {$490.00} from my bank account on [ XX/XX/scrub>XXXX/2026. I never received the loan funds from the company it was just in the account which they created. I have contacted the company multiple times since the withdrawal to demand a full refund and confirmation of cancellation. They have failed to provide a refund and have only sent generic responses stating they are 'working on it. ' As of today, my money has not been returned, and the company has not confirmed that the loan is cancelled.

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