vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
I am disputing {$690.00} in unauthorized credit card charges that occurred in XXXX. I was not in XXXX and did not authorize these transactions. The charges appeared as XXXX transactions, which caused a delay in recognizing them as fraud. Once identified, I reported them immediately. Bank of America denied my claim based on reporting timing, not on evidence of authorization. Logging into my account or making payments does not mean I authorized foreign transactions. XXXX has stated they can not provide information, which suggests the charges XXXX be tied to another XXXX account that I do not control. Under the Fair Credit Billing Act, I am not liable for unauthorized charges. I am requesting a full reinvestigation and removal of these fraudulent charges.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/scrub> 2026, I was a victim of a " Fraudulently Induced '' Imposter Scam involving a XXXX transfer in the amount of XXXX XXXXThe perpetrator impersonated a legitimate home theater equipment provider. I was led to believe I was purchasing a high-end XXXX XXXX XXXX. Upon completing the transaction via XXXX, I discovered the item was a counterfeit/generic " XXXX XXXX '' unit worth less than {$50.00}, and the seller fled the scene.I immediately contacted Chase Bank to report the fraud and provided the XXXX recipient 's details. Chase opened a claim ( Claim XXXX XXXX ) but denied it almost immediately. The bank 's justification for the denial was that the transaction was " authorized '' because I initiated the transfer.I am contesting this denial based on the following : Imposter Scam Policy : As of XXXX, XXXX and its member banks ( including Chase ) implemented a policy to reimburse victims of " qualifying imposter scams '' where a consumer is induced into a transaction by a criminal masquerading as a legitimate entity.Regulation XXXX / EFTA : I am requesting a " reasonable investigation '' as required by the Electronic Fund Transfer Act. A simple " you hit the button '' does not constitute a thorough investigation into a documented criminal fraud. Police Cooperation : I have filed a formal report with the XXXX Police Department ( Case XXXX XXXXXXXX ) and have physical evidence ( photos and the counterfeit unit ) that proves the fraudulent nature of the transaction.I am requesting that Chase Bank re-evaluate this claim under their updated fraud-inducement guidelines and provide a full reimbursement of the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Date : XX/XX/XXXXXX/XX/XXXX : Notice of Error and Request for Information Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX Tx XXXX Loan Number : XXXX To the Consumer Ombudsman : I am writing to formally dispute the terms of my current mortgage as serviced by Select Portfolio Servicing ( SPS ). I recently discovered that my loan maturity date has been extended to the year XXXX, which I am informed was the result of a loan modification allegedly executed in XXXX while the loan was serviced by XXXX. XXXX. I am formally asserting the following errors and requesting the following information : Denial of Consent : I never signed, authorized, or consented to a loan modification that extended my mortgage term to XXXX or changed the loan to a XXXX XXXX product. I requested a simple deferral for a short-term hardship upon returning from overseas in XXXX. Request for Original Documents : I demand a copy of the original, signed Loan Modification Agreement that SPS is relying upon to justify these terms. If this was an electronic signature, I demand the audit trail ( IP address, timestamp, and verification method ) associated with that signature. Request for Payment History : Please provide a complete life-of-loan payment history, including how my XX/XX/XXXX monthly payments have been applied to principal, interest, and escrow since the XXXX " modification. '' Request for Balloon Payment Disclosure : Please provide a clear statement of any " Deferred Principal '' or " Balloon Payment '' that is currently attached to this loan. Under Regulation XX/XX/XXXX ( XXXXXX/XX/XXXXXXXX and XXXX ), you are required to acknowledge receipt of this notice within XXXX ( XXXX ) business days and provide a substantive response or a correction of the error within XXXX ( XXXX ) business days. I am a long-term homeowner in XXXX, Texas, and I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Texas Department of Savings and Mortgage Lending if this unauthorized modification is not rectified. SincerelyXX/XX/XXXXXXXX XXXX XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NJ

Complaint narrative:
Two student loans started with XXXX XXXX. These loans should of been federal but XXXX XXXX put them to private. Loans switched to XXXX. CFPB filed lawsuit against XXXX for Steering borrowers into costly forbearance instead of income driven repayment plans. XXXX called and harassed us for several years. We were behind in payments and they threaten to take legal action. We believe these loans should of been added to the XXXX lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: Self Financial Inc.
State: TX

Complaint narrative:
I opened a XXXX XXXX account with Self Inc back in XXXX. Monthly they pulled money directly from my checking account for 2 years. After the maturity date of XX/XX/XXXX I was supposed to receive the money from the CD minus interest fees. I received the digital notice that a check was going to be mailed within 3 weeks of that that maturity date but still have not received any word. They continue to push their other services through advertising to my email address. I have spent the last two months calling their customer service line ( XXXX ) XXXX and have tried to send an email to help@self.inc and support@self.inc. Both the email address come back as invalid. I have been looking forward to this check since XXXX. It's very frustrating that I'm having to take this up to complaining about them and trying to find someone to help deal with these poor business ethics. Self owes me {$510.00}. I emailed Lead Bank and they told me to call Self Inc support or email help@self.inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RCis 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 CXX/XX/XXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Dear Debt Collector, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : The name and address of the original creditor and the current creditor. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. Proof that the original creditor securitized the debt. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
A collection account for {$510.00} was reported on my credit file by Jefferson Capital Systems as an alleged debt from XXXX. I filed disputes with XX/XX/XXXX on XXXX separate occasions. Both disputes came back as verified, and the account remained on my credit report. After the disputes, I contacted XXXX directly in person to verify the account. XXXX searched their records and confirmed that I am not in their system as an account holder and that I do not have any outstanding balance with them. I then sent Jefferson Capital Systems a written debt validation request by mail requesting proof that this debt belongs to me, including documentation from the original creditor. In response, Jefferson Capital Systems mailed only a payment offer and settlement letter dated XX/XX/year>2026, but did not provide any contract, account statements, service agreement, or documentation linking this debt to me. BecauseXX/XX/XXXX has repeatedly verified this debt despite the original creditor being unable to confirm any account under my name, and because the collector failed to provide proper validation, I believe this debt is inaccurate and is being reported in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
On XX/XX/year>2026, Synchrony Bank processed XXXX payments of {$8700.00} on my XXXX XXXX account, totaling {$17000.00}. XXXX payment was submitted online at approximately XXXXXX/XX/XXXX. Eastern, and a XX/XX/XXXXpayment was later taken by phone through a live agent after we called Synchrony regarding a prior returned-payment issue. We contacted Synchrony only to resolve the earlier payment problem and make a timely payment in order to avoid late fees and possible negative credit reporting. Synchrony representatives later confirmed that there were XXXX same-day payments, XXXX online and XXXX by phone. In XXXX call, a representative stated that account notes reflected that an agent processed another payment over the phone on XX/XX/XXXX even though a payment had already been submitted online that same day, described the matter as a mixed up of payments, and offered to submit coaching regarding the prior representative. In a later call, another representative gave a contradictory explanation, stating that the prior agent was not at fault, that it was my responsibility to know whether there was already a pending payment, and that the agent would not have seen that pending payment. These contradictory explanations suggest either mishandling by the agent or a failure in Synchronys payment-processing system. After the duplicate payment was processed, Synchrony refused to issue an immediate refund. I was told both payments were on hold until XX/XX/year>2026, even though the funds had already posted to my bank account. I was further told that any refund would only be reviewed after both payments cleared and that any refund would likely be sent by mailed check instead of being returned directly to my bank account. This tied up nearly {$17000.00} from my bank account because of XXXX handling of the payment process.

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 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have an Amazon Store Card issued by Synchrony Bank. My XXXX account was flagged for fraud during a legitimate purchase attempt. I verified my identity as requested. I was told my case was escalated and that the fraud team would contact me. No one ever contacted me. Days later, my account remains locked. I can not make purchases on XXXX, and I can not use my Amazon Store Card a credit line I was approved for and am entitled to access. I am being denied use of my own credit account through no fault of my own. During this lockout, I lost access to time-sensitive inventory I needed for my business ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX units sold out while I was locked out ). These are rare components with volatile pricing due to their XXXX rating. The financial impact of being unable to purchase during this window is significant. On XX/XX/year>, I called XXXX support. I was repeatedly denied a transfer to an account specialist. When I finally reached a manager named XXXX, she offered {$30.00} as compensation and told me to continue waiting for a fraud team that has never contacted me. She was unable to provide a case number or employee ID. No resolution was reached. I tried several times to get more information or to escalate. No help. Still lockedform being able to purchase on XXXX, use my store card, and the inventory is 1 of the 5 i tried to buy. I am requesting immediate restoration of my Store Card access, compensation for the financial loss caused by being locked out of my credit account ( estimated in the hundreds given scarcity and scalpers ), and a written explanation of why my verified identity did not resolve the fraud flag promptly. I am the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, ( A startup XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) and I rely on this credit line for business purchasing. Being denied access to an approved credit product after identity verification is unacceptable.

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 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: PA

Complaint narrative:
I am submitting this complaint regarding inaccurate and improperly reported information on my credit report. I discovered that the following accounts are being reported on my credit file without proper authorization and without required notification : - XX/XX/XXXX( XXXX XXXXXX/XX/XXXX) approximately {$1800.00} - LJ Ross Associates ( collection account related to XX/XX/XXXX ) I am a victim of identity theft and have already filed an official Identity Theft Report with the Federal Trade Commission ( FTC ). These accounts are fraudulent and were not authorized by me. Despite this, these accounts have been placed and/or maintained on my credit report without proper verification and without providing me the required notification under the Fair Credit Reporting Act ( FCRA ). I disputed this account and it was removed. Additionally, I was not notified of the placement or any reinsertion of these accounts on my credit report, which is a violation of FCRA requirements. Under FCRA Section XXXXB, once an Identity Theft Report is submitted, credit bureaus are required to block fraudulent information within XXXX business days. This has not been properly enforced. I am requesting the following : XXXX. Immediate removal of the XXXX account and LJ Ross Associates account from all credit reporting agencies XXXX. A full investigation into how these accounts were verified and reported XXXX. Documentation showing the method of verification used XXXX. Confirmation that these accounts will not be reinserted without proper legal notification These inaccuracies are negatively impacting my credit and financial opportunities, and I am requesting prompt resolution. Sincerely, XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding a duplicate payment on my XXXX XXXX account after it transitioned to servicing by Wells Fargo. During the transition, my statement balance from the prior billing cycle was paid, but an additional payment for the same balance was also processed. This appears to be caused by the migration from XXXX prior system to Wells Fargos system, likely involving duplicated or overlapping autopay or statement handling. As a result, I was charged XX/XX/XXXX for the same statement balance. Both payments cleared from my bank account. I contacted Wells Fargo customer service multiple times and requested a refund of the duplicate payment. However, my request was denied or not properly resolved. The bank has treated this as a normal payment rather than a billing error. This is a billing error under Regulation XXXX ( Truth in Lending Act ), as it involves a duplicate charge/payment for the same obligation. I am requesting a full refund of the duplicate payment back to my original funding account. I have attached supporting documentation showing : XXXX payments of the same amount Payment dates and bank debits Corresponding statement balance In addition to requesting a full refund of the duplicate payment, I am also requesting compensation for financial loss and time incurred due to this error, since this issue has also caused financial inconvenience and loss of use of funds for me Interest loss : The duplicate payment amount was unavailable to me for a period of time. I would have otherwise held these funds in a high-yield savings account earning interest. Time and effort : I have spent significant time contacting customer service, investigating the issue, and following up multiple times to resolve an error that was not caused by me.

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX XXXX ) called my spouse using multiple phone numbers regarding a supposed debt for a Citi Bank card. Threatened to press charges if debt wasnt paid immediately. Received email with a PDF to sign for a settlement though I was never spoken to. PDF states debt amount of XXXX and settlement of XXXX. Address listed for XXXX XXXX XXXX XXXX on the PDF is XXXX XXXX Haven Ave. XXXX XXXX XXXX, Ca which is a mail center. Website is XXXX which I only found by looking at the email address the PDF had originated from. This website is only partially functional and created in 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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
I am submitting this complaint regarding Credit Collection Services, which is reporting and attempting to collect on XXXX alleged collection accounts on my credit file XXXX {$220.00} and XXXX for {$84.00}. I sent a written debt validation request via certified mail, which was delivered on XX/XX/scrub> 2026. In that request, I asked for full validation of the alleged debts, including proof of a contractual obligation, a complete payment history, the original signed agreement, and documentation demonstrating that Credit Collection Services has the legal authority to collect. As of today, Credit Collection Services has failed to provide any competent documentation validating these accounts. Despite receiving my dispute, the company continues to report these accounts to consumer reporting agencies. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, a debt collector must provide proper validation when a consumer disputes a debt. Reporting or attempting to collect on a debt without providing adequate documentation may constitute inaccurate or unverifiable reporting. Because Credit Collection Services has failed to validate these alleged debts, I dispute their accuracy and validity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation