vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
We sold our home and closed on it on XX/XX/year>. The title company told us that they requested the payoff for XX/XX/year> to add in a buffer just in case we couldnt close on XX/XX/year> or if something else happened, but assured us that we would get a refund from the mortgage company for any overpayment. They also stated that the interest per day was {$23.00} and to expect roughly {$140.00} refunded. Upon looking at our account online it just shows that the loan is paid off and there is no refund due to us for any overpayment of interest. I called the company on XX/XX/year> and spoke with XXXX in the escalation department and she stated that a higher up would call me within 48 hours. I have heard from no one. I called again XX/XX/year> to inquire about the no phone call and to once again address the refund of the overpayment of the interest. I was put on hold by XXXX for 30 minutes before I finally hung up. I called again today, XX/XX/year> to address this. After 40 minutes, I was finally connected with the escalation team. XXXX stated that I was not owed a refund. The payoff was given for XX/XX/year> and that {$23.00} would be charged per day if the payoff was made after the XX/XX/year>. He was implying that because they got the payoff for a date later than our closing date that they didnt have to give us the money back. I requested a document showing what the loan payoff was for XX/XX/year> and he only directed me to the payoff letter that the title company got for XX/XX/year>. I expressed over and over that they owed us {$130.00} for those 6 days that the loan was paid off prior to the XX/XX/year> date. That is makes no sense that we paid interest to them for a loan that we didnt have anymore. I became enraged and said some curse words because Im incredibly frustrated and feel like Im getting the run around. XXXX proceeded to hang up on me after I spent over an hour of being on the phone with them. Leaves me wondering how many people has this company done this to. How much money have they made off of people like me. We had a home equity line of credit on this home too and the title company also got a payoff for XX/XX/year> as well and they sent us a check for overpayment, as promised and as they should because it makes zero sense that you pay interest on a loan that is paid off!

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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am submitting a formal dispute under FCRA 611 regarding multiple inaccuracies on my credit report. I recently reviewed my credit file and identified several issues, including inaccurate account reporting, incorrect personal information, and unauthorized credit inquiries. Specifically, there are accounts being reported with incorrect balances, statuses, and/or payment histories that do not accurately reflect my records. In addition, certain personal information listed on my report appears to be outdated or incorrect, which may be contributing to further reporting errors. I also identified several inquiries that I do not recognize and did not authorize. These inquiries may be the result of unauthorized access or improper reporting practices. Upon discovering these issues, I took immediate action by reviewing my records and initiating this dispute to request a thorough investigation. I am requesting that all inaccurate, unverifiable, or unauthorized information be corrected or removed in accordance with my rights under the Fair Credit Reporting Act. Please ensure that all furnishers verify the accuracy of the reported information and update or delete any items that can not be properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I am filing this complaint regarding my federal student loans previously serviced by XXXX and associated with Account # XXXX. XXXX has been the subject of multiple federal and multistate enforcement actions for deceptive and improper student loan servicing practices, including steering borrowers into costly repayment situations, failing to properly advise borrowers regarding income-driven repayment options, and causing unnecessary interest accrual. Based upon my loan history and repayment experience, I believe I was negatively impacted by these same practices. Over the life of these loans, substantial amounts were paid toward interest and fees that may have been avoidable had proper servicing guidance and lawful repayment counseling been provided. I was led to believe the servicing and repayment administration of my loans was being handled appropriately ; however, subsequent findings against XXXX raise serious concerns regarding the accuracy, fairness, and legality of how my loans were managed. Although the loans were ultimately consolidated and paid, I am requesting : * A full audit and review of my loan servicing history * Review for borrower remediation and settlement-related relief * Reversal or reimbursement of improperly accrued interest and fees * Consideration for administrative loan forgiveness or other corrective relief * Preservation and production of all servicing records associated with my account I am requesting that XXXX and applicable parties be held accountable for any improper servicing practices that caused financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Last year I made two small purchases through ads on XXXX. I paid for them through PayPal using a Synchrony Bank credit card that PayPal had suggested. One of the purchases was for {$99.00} ( XX/XX/year> ) and the other for {$7.00} ( XX/XX/year> ). I did NOT receive either product. So I disputed each charge more than twice with Synchrony Bank and PayPal representatives. I talked to at least six representatives at different dates and documented the conversations. However, Synchrony rejected all my disputes and they insisted that I pay. I told the representatives that I refuse to pay for a product that I did not receive. And, I closed my credit card account. My credit score is usually around XXXX. I always pay all my credit card dues in full and on time. Meanwhile, Synchrony Bank has a very bad reputation of mistreating its customers : ( 1 ) It is rated " XXXX star out of XXXX '' from XXXX customer reviews on XXXX XXXX, and ( 2 ) it is " NOT XXXX accredited '', and the XXXX rates it " XXXX stars out XXXX as an average of XXXX Customer Reviews ''. Synchrony filed negative reports on me with the three credit reporting agencies ( XXXX XXXX XXXX XXXX ) which resulted in an undeserved drop in my credit score. I disputed the entry with all three bureaus, but Synchrony refused to make an needed adjustment. I do not feel that I deserve this outcome. And my reduced credit score does not reflect my credit worthiness. I request that my balance with Synchrony be adjusted back to XXXX. ( I don't know what the current balance is. It changes all the time, they keep adding fees and interest to it ). And I request that my excellent credit score be restored. Thank you.

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 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. These are the people that stole money and identity from 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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
I opened a checking account with Chime. After opening the checking account, I requested a debit card. The debit card was mailed to me. On the app I activated the debit card. While doing so I saw that I also had a Chime Credit Card waiting to be activated. I never requested a credit card. I used the chat feature on the Chime app to ask why I received one and was told it was automatically ordered and I didn't ever have to activate it. I told them that I do not consent or agree to that and want it off my account and app. It was never removed. They sent the card. It was reported as a new credit line opened on my credit report. I then called them and again said that I never consented to this card being created, that I destroyed the physical card they mailed without activating it, and that it needs to be removed. The card is still on my report as a " closed account ''. IT WAS NEVER OPENED. I disputed the card on my credit report through TransUnion and it was somehow denied. Chime deciding they're allowing me to have a credit card and opening a line of credit in my name without my consent is ILLEGAL. Just because you tell me I have the power to close it doesn't change that it being opened was an act of fraud. I did not consent to the creation of this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX I contacted Chase on this date above in reference to my United Explorer Cards annual use fee being increased from {$95.00} to {$150.00}. I explained I was not notified and would like to dispute this increase as I was not notified and needed some time to look at my options. The options they provided were to down grade or pay the {$150.00} and cancel the card at a later date. I was also told that they had sent a second notice in XX/XX/XXXX after the first notification in XX/XX/XXXX. The second notification i was told gave me the opportunity to agree or reject the increase in the fee. I again explained I did not receive this and was told it is too late now. I am requesting a fair resolution, either a refund of the fee or a credit, since proper notice was not received as required under Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Credence Resource Management reached out to me about a debt owed to XXXX XXXX XXXX. Originally they only sent me the amount, and then upon my request disclosed that the debt was from XXXX XXXX XXXX. I have an account with XXXX XXXX XXXX for the phone number XXXX but had received no communications about debt, nor was there any information about it on my online portal so I asked for proof and validation of the debt. I was sent an itemized statement of the costs which were on a letterhead that included my name and address, but were for the phone number XXXX which has never been my number or associated with my account. I told them such and they came back saying the debt was valid. I asked for proof and validation again and was sent a one page contract which contained no signature, only an x. This contrasts with my actual signature ( which can be seen on my valid XXXX XXXX XXXX contract for my actual phone number ). Credence was unable to provide any further validation and at this point I was certain that this is not my debt, which I communicated to them via email and on the phone but resulted in no change from them. On XX/XX/XXXX I sent an email requesting for contact about this sent to cease, including the following language : As no validation has been provided, please cease from contacting me on this matter unless it is to take further legal action. Credence acknowledged receipt of this email and stated that they would cease contact on XX/XX/XXXX. Since then I have received 6 emails from Credence. Two on the XXXX of XXXX, one on the XXXX of XXXX, and three on the XXXX of XXXX. None of these have provided any additional information and several have restated that they will cease contact, only for this to be ignored a few days later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXAccount number: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have contacted many times to many differents departments and branches for able to get help from your side just for an simple requirement to restore or unlock my online banking!, the alert is just because because tried to pay to a service provider "total Tools " with a transfer to XXXX XXXX and after trying to maekk the wire is surged the alert and the block, as previous said already called and go to the branches but they just say that need to call to wire department and already called but they said need to call other agencies so is just a frustrating situation and I just want to request an update because already filled a previous complaint on XXXX and at this time never received any solution or any help, just an email from XXXX XXXX from an agent XXXX XXXX with a case number XXXX and the extension phone but after many days calling to this agent is never avaliable and never received a call back, so I just need attention on my concern because is just a small requirement, I hope for cooperation on this, thanksXXXX

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 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am contacting you regarding a compliance issue on my Kohl 's Capital One account ( ending in XXXX ). On XX/XX/year>, I spoke with a representative to request a replacement card. The agent offered to expedite the card but completely failed to disclose that a {$16.00} fee would be applied. I filed a CFPB complaint ( Case : XXXX ), and your office responded by claiming I " accepted the disclosed fee. '' This is factually incorrect. Your office is relying on automated system flags rather than investigating what actually occurred. All customer service calls are recorded for compliance. I formally request that a senior manager pull the actual audio recording from my XX/XX/year> call. The audio will prove that the {$16.00} fee was never spoken or disclosed. Charging a consumer a fee without prior disclosure is a direct violation of consumer financial protection regulations. I request that Capital One review the tape, correct this error, and credit the {$16.00} back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Dear CFPB Officer, This is a continuation of case XXXX which has been marked as closed. THIS IS NOT A DUPLICATE COMPLAINT SO PLEASE DO NOT CLOSE THIS. In case XXXX, Midland Credit Management issued a letter mentioning that the alleged debt is now closed and there is no record in the credit reports. I am writing to formally to refute the response provided by Midland Credit Management ( MCM ) on XX/XX/XXXX. In their response, MCM Senior Group Manager XXXX XXXX stated : " a review of our business records indicates that we have not furnished information regarding the debt to your consumer credit files ''. This statement is demonstrably false. I have attached my credit reports from XXXX XXXX, and XXXX, all generated on XX/XX/XXXX, which show the following : XXXX : Lists " XXXX '' as a " Charge Off '' for {$400.00}. XXXX : Lists " XXXX '' as " Charge Off '' with a reported date of XX/XX/XXXX. XXXX : Lists " XXXX '' as a " Derogatory '' collection. MCM admits they purchased this account in XX/XX/XXXX. As the current owner, they are responsible for the reporting. Their claim to the CFPB is a willful misrepresentation of fact. I request that the CFPB compel MCM to immediately execute an Automated Universal Deletion ( AUD ) to remove these trade lines entirely, as they have already agreed to close the account. See documents attached. I have mailed a letter with attachments through XXXX Certified Mail. Mailing details below : 1 ) XXXX Certified Mail Tracking Number XXXX, mailed to MCM on XX/XX/XXXX, delivered to MCM in XXXX, XXXX on XX/XX/XXXX 2 ) XXXX Certified Mail Tracking Number XXXX, mailed to MCM XXXX Department on XX/XX/XXXX, delivered to MCM in XXXX XXXX, XXXX on XX/XX/XXXX XXXX ) XXXX Certified Mail Tracking Number XXXX, mailed to XXXX Bank on XX/XX/XXXX, delivered to XXXX Bank in XXXX, XXXX on XX/XX/XXXX XXXX ) XXXX Certified Mail Tracking Number XXXX, mailed to CFPB on XX/XX/XXXX, delivered to CFPB in Washington DC on XX/XX/XXXX Appreciate your help. Looking forward to hearing from you. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My vehicle was repossessed by Wells Fargo Auto 's hired third-party agent, XXXX XXXX XXXX XXXX While the asset was in their joint custody and care, it sustained severe physical, structural damage to the driver 's side rear quarter panel edge. A formal repair blueprint from a factory-authorized, XXXX XXXX XXXX XXXX estimates the exact cost of repair at {$2300.00}. I have a continuous, time-stamped walk-around video taken at the exact moment of vehicle pickup/release at the storage lot proving that this structural damage was present on the yard before the keys were returned to me, anchoring the liability to the repossession process. My remaining loan payoff balance on the account is exactly {$1400.00}. Therefore, the property damage caused by Wells Fargo 's agent exceeds my entire remaining debt by exactly {$900.00}. On XX/XX/year>, I contacted Wells Fargo 's Redemptions and Reinstatement departments to formally request the opening of an internal property damage liability claim so that I could submit the {$2300.00} repair blueprint and execute an account balance offset. Wells Fargo explicitly refused to open a property damage liability file, refused to cross-reference their driver 's intake photos, and attempted to deflect all legal liability to their third-party tow vendor. Under California law, Wells Fargo is the principal and can not delegate its legal liability for an asset damaged during an involuntary repossession bailment. They are using predatory claim deflection to avoid a documented property liability.

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 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I requested USAA place a stop payment on my auto loan check and close the account because I never received the check. USAA was completely silent throughout the process and failed to provide any proactive shipping or tracking information. I never received any delivery notice from XXXX before the check went missing. On XX/XX/XXXX, I had to initiate an inquiry out of curiosity. USAA then informed me they failed to stop payment because the check had already been cashed, providing a copy showing it was fraudulently processed by XXXX XXXX Bank instead of XXXX. I immediately provided USAA with a police report, but they still refuse to clear the fraud and are demanding payments beginning XX/XX/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 2026-05-20 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: V and H Portfolio
State: IA

Complaint narrative:
I am filing a follow-up complaint against Vance & Huffman LLC regarding its continued credit reporting and collection activity on an alleged XXXX account. This is not a duplicate of my prior complaint. This complaint concerns new facts that occurred after Vance & Huffman responded to my previous CFPB complaint. In its XX/XX/year> response to my CFPB complaint, Vance & Huffman stated that it was temporarily deleting the tradeline as a precautionary measure while requesting additional payment history from the original creditor. Despite that representation, as of XX/XX/year>, the tradeline remains reporting on my XXXX and XXXX credit reports under Vance & Huffman. I dispute this continued reporting. Vance & Huffman represented to the CFPB that deletion was being performed while it sought additional documentation. The account remaining on my credit reports is inconsistent with the companys stated corrective action and continues to cause harm to my credit profile. Additionally, I have now received a separate collection communication from XXXX XXXXXXXX XXXX dated XX/XX/year>, attempting to collect an alleged XXXX account with the same current balance of {$1800.00}. This creates a serious dispute regarding the current creditor, current collector, ownership, collection authority, balance, and authority to furnish this account to consumer reporting agencies. Vance & Huffman has not provided me with adequate validation establishing its present legal authority to collect or report this alleged debt. The documentation previously provided was incomplete and did not establish a complete chain of ownership, assignment, current creditor authority, or a full accounting of the alleged balance. This account remains disputed. Nothing in this complaint should be construed as an admission of liability, acknowledgment of the debt, promise to pay, or waiver of any rights under the FCRA, FDCPA, or any applicable state law.

Company response to consumer: Closed with explanation