vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX or FFL sent out a XXXX Notary to my home to sign closing papers on a VA XXXX loan, after signing the papers the XXXX notary explained to me about the Federal Law 3 day " Notice Of Right To Cancel '' and supplied me with XXXX copies of the forms to submit to the Servicer/Funder if I wanted to cancel the loan. I forwarded the closing documents to a loan XXXX at my current mortgage company and asked her to evaluate the specifics, She reported to me a {$2000.00} processing fee and a " buy down '' fee of {$1000.00}. Fees somewhat uncommon for a VA XXXX XXXX LOAN. Because XXXX did not disclose these fees to me during the refi I want to cancel this loan as federal law allows. I did not have the XXXX agent XXXX XXXX email address to submit the " Notice Of Right To Cancel '' forms and it was the third and final day to submit. I called him and asked him for his email address so i could email the forms to him thereby canceling the loan. He said " there is no need for my email address, I realize you want to cancel this loan, I will take it from here. I thanked him and thought that was the end of it. He proceeded to process the loan against my will, he and his servicer presented my signed papers from the XXXX notary and opened up a new and unwanted mortgage in my name. I was HIJACKED. he and his proposed mortgage servicer are people of a low threshold of honesty, ethics and moral principals, I do not want to have business interactions with. I did notify his servicer of this illegal Hijacking and it didn't matter to them, I get the feeling this isn't that uncommon for them and that they have a relationship with XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Firstsource Business Process Services, LLC
State: VA

Complaint narrative:
I was trying to find out about a debt that was said I owed from XXXX led me to a debt collections agency called Firstsourse Advantage I called repeatedly no answer and every time I did call sent an email about debt verification no answer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PINNACLE RECOVERY, INC.
State: OR

Complaint narrative:
I am submitting this complaint regarding a timeshare account with XXXX XXXX XXXX and the collection activity associated with it through Pinnacle Recovery. I purchased my timeshare in XXXX while serving in the military and paid the loan off in full ( approximately {$20000.00} ). After becoming a XXXX veteran with a XXXX XXXX XXXX rating, my financial situation significantly changed, and I was no longer able to afford ongoing maintenance fees. It has been so long that I've been able to use their services that they have no record of the last time I did. In good faith, I sent a certified hardship letter to XXXX XXXX XXXX explaining my situation and requesting assistance or exit options. This letter was ignored, and my account was subsequently sent to collections without any meaningful attempt to work with me. The collection agency, Pinnacle Recovery, has stated that it does not own the debt and is acting as a third party. Despite my request for validation, they failed to provide documentation demonstrating their legal authority to collect on this account or a complete itemized breakdown of the amount claimed. Additionally, I previously sent a written cease communication request to Pinnacle Recovery via certified mail, which was received and signed for on XX/XX/XXXX. Despite this, they continued to contact me by phone and/or email after that date. This appears to be a violation of the Fair Debt Collection Practices Act, as they are prohibited from further communication except to confirm cessation or notify of specific legal action. I have since sent a second written notice documenting this issue. I also recently contacted XXXX XXXX XXXX directly in response to their request to discuss my account. During that conversation, I was told I must first pay {$3400.00} in past-due maintenance fees before I can even be considered for hardship assistance. Given my XXXX and financial situation, this is not a realistic or reasonable requirement and effectively denies access to any hardship program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
This complaint is against Customer Service at Chime. I purchased a new phone and went to update my personal info / phone. I followed steps exactly as communicated, but to no avail. Then I went to get help from Customer Service. First of all, I could understand nothing they said. I maintain my past Emails, and gave them all my info., and still I could not get into my account and have access to my money. This is a very difficult Company to deal with and I would not recommend them to no one. This has been a very bad experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services
State: CA

Complaint narrative:
I am writing to express my extreme frustration regarding the lack of communication following my previous submissions. I have sent multiple emails with the requested information and the False Certification ( Identity Theft ) application, yet I have received no confirmation of receipt or status updates. As I have submitted exactly what was requested, I am now unclear on why this process is stalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I spoke with two representatives with XXXX XXXX being the last gentlemen ( XXXX XXXX ) whom I put in a dispute with. XXXX XXXX stated, it could take up to XXXX days before anything may be resolved. I was instructed to your website to fill out this information from here. I received a letter from my bank informing me that had a judgement being placed on my account. I was never notified of this until then, the information I was giving from him, that a card was open in XXXX and was used a few times until XXXX by XXXX XXXX Bank which I currently have an account with and is in good standing, actually they want to give me an increase. However, the statue limit either way would be up. I'm not aware of using this card or opening at this time. I wasn't served due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: IL

Complaint narrative:
I am filing a complaint against Collection Bureau of America regarding an alleged debt connected to Inland XXXX XXXX XXXX in the amount of {$520.00}. I dispute this debt and have not been provided proper validation. The company has failed to provide proof that I am legally obligated to pay, including a signed agreement or full account history. Additionally, I have received repeated unsolicited text messages from multiple phone numbers regarding this debt. I did not provide consent to be contacted via text message, and this communication appears excessive and improper. It is also unclear whether this debt has been sold or transferred to other third parties, and I have not been provided documentation showing legal ownership or chain of assignment. Due to these issues, I am requesting : Full validation of the debt Proof of legal ownership/assignment Removal of this account from my credit report if it can not be properly verified That all improper communication cease immediately I have attached screenshots of the text messages as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing regarding a collection account that has appeared on my credit report which I do not recognize and do not owe. This debt is unverified and was placed without my knowledge or consent. Since its appearance, I have experienced repeated and distressing communications across multiple channels, including threats of legal action. This situation is unacceptable, violates my rights as a consumer, and has caused significant stress and disruption.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a dress form luxelivingfashions.com using my Citi Visa Card. When I received the dress it did not match the description as it was a fake item. The material and style was not the same. I contacted the seller multiple times to get help. They never responded. I contacted Citi Visa Card and explained. They sent me documentation to fill out and explain the situation and followed as instructed. They denied the dispute without explaining correctly what the reason is. They sent a letter saying they determined it is not a billing mistake and closed the dispute. My dispute was not about billing. I have called them multiple times and they have not taken any further action to address this. They repeat the letter. It seems like they are not willing to resolve the issue and giving me a run around.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I received a notice in the mail about a month ago, closer to two. It was from a law firm stating I owe almost {$800.00} from an XXXX account. I have never had an XXXX account. I called and told them it didn't belong to me and I wanted them to send me proof I owe the debt, what purchases were made, the full account number, who bought the debt and several other things I can't remember. They sent some of that information to me a week later. It all looked like generic, fishy copies, so I threw it away as Wisconsin has strict laws about this. The debt incurred is from 2015. Today ( XXXX ) I received a letter from Portfolio Recovery Associates stating the amount of debt, full account number, rejection of my dispute, and fees/interest charged. Nothing regarding purchases made. The payment slip that doesn't even have have my correct address. I'm in building XXXX, the address has XXXX on it. Another one has an address from a different town. I froze my credit a few months ago, but I recently unfroze it to apply for a credit card. I am going to freeze it again today. I can't provide you with specific dates of the phone call as I didn't save the number and I receive a lot of spam calls that don't leave messages. The amount owed according to Portfolio Recovery Associates, is {$780.00} states original creditor is XXXX XXXX. Also states 'Account balance at time of sale ' {$610.00} sold on XX/XX/2015 according to them, my next 'payment date ' was XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
In XX/XX/year>, I entered into a retail installment agreement to finance XXXX XXXX treatment provided by XXXX, with payments processed by Healthcare Finance Direct. Within days of entering into the agreement, XXXX filed for XXXX XXXX XXXX ( XX/XX/year> ), and by XX/XX/year>, it ceased all operations, including its mobile application, customer support, and treatment monitoring services. As a result, I lost access to all professional supervision and guidance necessary to safely continue treatment. My treatment was left incomplete, and I was unable to proceed or receive assistance. Shortly after beginning treatment, I began experiencing jaw pain, tension, and discomfort while using the aligners. Due to these symptoms and the lack of medical supervision following the companys shutdown, I discontinued use after approximately three months. The remaining aligners are unused. Despite the providers failure to deliver the full contracted service, Healthcare Finance Direct continues to maintain and report the remaining balance, and XXXX has been engaged to collect on this account. This debt has been reported to credit bureaus and is negatively impacting my credit, even though the underlying service was not completed and became impossible to continue due to the providers closure. I requested validation of the debt, including documentation of services provided and the legal basis for continuing to collect and report this balance after the providers shutdown. The information provided did not address the incomplete nature of the service or justify the continued collection. Given that the service was not fully delivered and became impossible to complete due to the providers closure, I dispute the validity of this debt and the accuracy of its credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Avant Holding Company, Inc.
State: CA

Complaint narrative:
Dear Avant / XXXX XXXX Department, I am writing to formally dispute an account that has been opened in my name without my knowledge or authorization. This account is the result of identity theft. I have previously reported this matter multiple times, yet the account continues to appear under my name. This is unacceptable. I did not apply for, authorize, or benefit from this account in any way. You are hereby notified that this account is fraudulent and must be immediately : Removed from all your internal records Deleted from all credit reporting agencies Ceased from any collection or reporting activity Under federal law, including the Fair Credit Reporting Act ( FCRA ) and identity theft protections, you are required to investigate and correct this matter promptly. Failure to do so will leave me no choice but to escalate this issue to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. I expect written confirmation that this fraudulent account has been fully removed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: ME

Complaint narrative:
Mortgage increased from XXXX to XXXX due to Escrow analysis, requested more info, stated that their systems are down, I call another day, they say the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit 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: ME

Complaint narrative:
Complaint Summary and Supporting Evidence I am filing this complaint regarding Synchrony Bank/CareCredits handling of my dispute for a {$2300.00} charge from XXXX & XXXX XXXX for XXXX weight loss injection program that was presented as a medically supervised, prescription-based treatment. The charge was made on XX/XX/XXXX. My treatment occurred approximately between XX/XX/XXXX and XX/XX/XXXX. I received two injections in-office, and the remainder of the medication was provided for self-administration. I disputed this charge with CareCredit/Synchrony twice. The first dispute was filed on XX/XX/XXXX for {$2300.00} and was denied. The second dispute was filed on XX/XX/XXXX for {$1100.00} and was also denied. Both disputes were denied despite evidence showing serious documentation problems, missing provider information, and misrepresentation of medical supervision. The records provided by XXXX document injections and basic visit information, but they do not identify a prescribing or supervising physician responsible for my care during treatment. They do not include physician signatures, documented prescription authorization, or evidence of ongoing medical oversight. The records appear largely template-based with minimal individualized clinical documentation. The most serious issue is that the intake and consent documentation identified a physician as associated with my care. However, that physician confirmed to the Maine XXXX XXXX XXXX XXXX XXXX that she was not affiliated with XXXX during my treatment period and did not authorize the use of her name. On XX/XX/XXXX, I received Maine XXXX correspondence including that physicians response. On XX/XX/XXXX, I submitted a follow-up response to the XXXX outlining the discrepancies, including the lack of an identified prescribing provider, lack of documented supervision, and use of a physicians name after her departure. This is not a simple dissatisfaction dispute. This concerns whether CareCredit/Synchrony properly denied disputes for a financed medical service where the provider documentation is materially deficient and the claimed physician involvement appears inaccurate. I am requesting that Synchrony/CareCredit fully reevaluate both denied disputes, review all supporting documentation, reverse the disputed charge, and correct the CareCredit account balance.

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 2026-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SLM CORPORATION
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Sallie Mae related to a student loan account affected by a Servicemembers Civil Relief Act ( SCRA ) misapplication. From XX/XX/XXXX through XX/XX/XXXX, my account accrued interest at approximately 10.25 %, despite being eligible for the SCRA interest rate cap of 5 %. Sallie Mae has since confirmed this error and applied the SCRA benefit retroactively, including a credit adjustment of approximately {$510.00}. During this period, I made consistent monthly payments toward interest. Based on the corrected SCRA rate, the appropriate monthly interest obligation was significantly lower than what was charged. As a result, my payments were consistent with, and in many cases exceeded, the correct obligation. Despite this correction, Sallie Mae reported my account as 60 days past due on XX/XX/XXXX. These delinquencies were based on an inflated balance resulting from the incorrect interest calculation. I escalated this matter through Sallie Maes Office of Customer Advocate. While they acknowledged the SCRA correction and applied the credit, they maintained that the delinquency was valid at the time and declined to remove it. They also stated that the late payment was only temporarily suppressed from credit reporting due to California law during the review process, not permanently corrected. Additionally, I spoke with a Sallie Mae account manager on a recorded line on XX/XX/XXXX, who stated that once my payment settled, I would be able to submit a request to have the late payment removed and that it would be reflected with my next billing cycle. I confirmed this understanding during the call. This call was later reviewed internally ( XX/XX/XXXX ), and while Sallie Mae acknowledged the statement was made, they indicated the representative was incorrect and declined to honor that guidance. My concern is that the delinquency does not accurately reflect my account status under the corrected SCRA-adjusted terms. The reported delinquency is based on a monthly obligation that has now been confirmed to be incorrect. Applying a lump-sum credit to principal does not resolve the fact that the monthly interest and resulting amount due were miscalculated, which directly led to the delinquency determination. This issue involves both a servicing error and inaccurate credit reporting. Even after correcting the underlying account balance, Sallie Mae continues to maintain delinquency reporting that does not reflect the corrected account conditions. I have made good faith efforts to resolve this issue directly with Sallie Mae, including escalation through their Office of Customer Advocate, but the issue remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Kikoff Inc.
State: TX

Complaint narrative:
Kikoff account was deleted and should be there. My good credit was deleted. I have a {$3000.00} credit line and its not reflecting. Plea put it back on

Company response to consumer: Closed with explanation