vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Yes I get a fraudulent inquiry for Capital One XXXX email that I didn't request or say yes to a hard pull and that happened twice within a few months to me and I need this XXXX inquiry off my credit report it was fraudulent I never requested it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing the accuracy of the debt reporting by LVNV Funding/Resurgent Capital Services . The original XXXX XXXX loan was opened in XX/XX/XXXX, and missed payments began in XXXX. However, the collection reporting appears misleading and inaccurate regarding the timeline of the debt. I disputed the account through the credit bureau and requested proper verification/documentation, but the company did not adequately provide the requested information. The inaccurate reporting is negatively affecting my credit profile and has already impacted my ability to obtain financing. I am requesting that the company investigate the account, correct any inaccurate reporting related to the delinquency timeline and credit reporting, and remove any information that can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SmartCredit LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX Reported XX/XX/XXXX Opened XX/XX/XXXX Balance XXXX Original creditor XXXX XXXXXXXX XXXX XXXX XXXX Reported XX/XX/XXXX Opened XX/XX/XXXX Balance XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX Opened XX/XX/XXXX Balance XXXX Original creditor city XXXX XXXX XXXX Missouri

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
Transaction Type Transaction Date Principal Amount Interest Amount Fees Total Payment Principal Balance Interest Due Payment XX/XX/XXXX {$150.00} {$190.00} {$0.00} {$350.00} {$7700.00} {$0.00} Payment XX/XX/XXXX {$150.00} {$200.00} {$0.00} {$350.00} {$7800.00} {$0.00} Payment XX/XX/XXXX {$140.00} {$200.00} {$0.00} {$350.00} {$8000.00} {$0.00} Payment XX/XX/XXXX {$57.00} {$170.00} {$0.00} {$230.00} {$8200.00} {$0.00} Payment XX/XX/XXXX {$70.00} {$29.00} {$0.00} {$100.00} {$8200.00} {$0.00} Payment XX/XX/XXXX {$15.00} {$330.00} {$0.00} {$350.00} {$8300.00} {$0.00} Payment XX/XX/XXXX {$0.00} {$300.00} {$0.00} {$300.00} {$8300.00} {$23.00} Payment XX/XX/XXXX {$0.00} {$300.00} {$0.00} {$300.00} {$8300.00} {$110.00} Payment XX/XX/XXXX {$350.00} {$0.00} {$0.00} {$350.00} {$8300.00} {$0.00} Payment XX/XX/XXXX {$81.00} {$210.00} {$0.00} {$300.00} {$8600.00} {$0.00} Payment XX/XX/XXXX {$25.00} {$320.00} {$0.00} {$350.00} {$8700.00} {$0.00} Payment XX/XX/XXXX {$130.00} {$220.00} {$0.00} {$350.00} {$8800.00} {$0.00} Payment XX/XX/XXXX {$170.00} {$220.00} {$0.00} {$400.00} {$8900.00} {$0.00} Payment XX/XX/XXXX {$160.00} {$230.00} {$0.00} {$400.00} {$9100.00} {$0.00} Payment XX/XX/XXXX {$160.00} {$230.00} {$0.00} {$400.00} {$9200.00} {$0.00} Payment XX/XX/XXXX {$150.00} {$240.00} {$0.00} {$400.00} {$9400.00} {$0.00} Payment XX/XX/XXXX {$0.00} {$350.00} {$0.00} {$350.00} {$9600.00} {$3.00} Payment XX/XX/XXXX {$110.00} {$240.00} {$0.00} {$350.00} {$9600.00} {$0.00} Payment XX/XX/XXXX {$110.00} {$240.00} {$0.00} {$350.00} {$9700.00} {$0.00} Payment XX/XX/XXXX {$170.00} {$170.00} {$0.00} {$350.00} {$9800.00} {$0.00}

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 2026-05-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MT

Complaint narrative:
We had an escrow shortage found in XXXX. When it was received I tried to have company explain it as I had never seen one. No one ever called to help. There was a shortage of XXXX found. Fast forward to XXXX of XXXX where I called and spoke to a person who helped me complete the last needed shortage payment of XXXX that posted XX/XX/XXXX. Payments were adjusted for shortage being completed. I requested a new analysis to be completed and they stated a new shortage of XXXX was present. They never used our actual balance and started our account with a XXXX. The first number they told us that was used was the paid off shortage which they shouldnt be able to use that against us. After the shortage paper work came they raised the payment again, I then proved to the escrow manager that there were sufficient funds and the shortage was unfounded as in the next year our account will not fall below XXXX with the regular payment. Once she realized that the funds were sufficient she did a manual removal of the extra shortage payment. So technically the shortage will never be paid off because of sufficient funds being in the account. The analysis was so far off it had us starting XXXX with XXXX. XXXX which is so far off as we are paid through XXXX and our current balance is XXXX, and only thing to be taken out of the account would be 2 PMI payments of around XXXX each for XXXX and XXXX. I understand that it is an estimated projection but having over a {$4000.00} difference seems like a forced shortage. All I am asking for is documentation that the XXXX payment was fully paid off In XXXX of XXXX and also proper documentation that I am not being held liable for the new shortage due to sufficient funds. I do not want them used against us inappropriately again when ever the next analysis will be completed. I believe this is the least they can do after treating me unfairly and never having called even when they sent a letter stating they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Hello, On XX/XX/XXXX I opened a credit card with JPMorgan Chase Bank. I was unable to make monthly payments and on XX/XX/XXXX JPMorgan Chase Bank made a final Charge-Off Statement dated XX/XX/XXXX. I then entered into a repayment plan with JPMorgan Chase Bank on an agreed upon discharge number, contracted with JPMorgan Chase Bank. I then proceeded to pay monthly per the contract agreement on the negotiated amount which is documented. On my very last payment, the auto-payment did not pull from my account. Upon calling JPMorgan Chase Bank, I was told that I needed to authorize a final payment. I did not receive notification, neither via phone or by US mail. I then received notification from XXXX XXXX XXXX XXXX XXXX stating a summons to court for collection of the debt. I then proceeded to contact the XXXX XXXX XXXX who then stated for me to contact JPMorgan Chase Bank to have them send the account back to JPMorgan Chase Bank for review. I then spoke with an individual at JPMorgan Chase Bank who said that I needed to raise a Dispute with XXXX XXXX XXXX and have them send my account back to JPMorgan Chase Bank and would likely not be a problem and JPMorgan Chase Bank would accept the account so I could make a final payment. I have made several phone calls to both JPMorgan Chase Bank and XXXX XXXX XXXX on a recorded phone line who state that the dispute process is ongoing now and there is nothing they can do at this time. Meanwhile, XXXX XXXX XXXX has sent me a summons ( on approximately XX/XX/XXXX ) to " appear '' or file " motion '' within 30 days of receipt. At this time, my repeated calls to XXXX XXXX XXXX have been met with " give us another week or so to figure this out '' which has occurred now over the past 2 weeks. I would like to pay my last payment that was in agreement with JPMorgan Chase Bank contract and have this issue resolved. I never received voicemail/phone call notification or certified mail from JPMorgan Chase stating they needed my authorization to pay my last payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing a complaint against TD Bank regarding an unfair levy processing fee charged to my account. Summary of Issue : A levy in the amount of {$1200.00} was placed on my account. I satisfied this levy in full by making a payment directly to the issuing authority on XX/XX/year>, as instructed, if I pay with a credit card ( with extra {$27.00} fee added ) with the understanding that this would expedite the release of the levy. Release to the bank date of the satisfied levy XX/XX/year> @ XXXX. A paper copy was sent to the bank about the satisfied levy on XX/XX/year> Despite this, TD Bank processed the levy on XX/XX/year>, debiting {$1200.00} from my account and charging an additional {$120.00} levy processing fee. On XX/XX/year>, the {$1200.00} levy amount was credited back to my account, indicating that the levy had already been satisfied and should not have been processed. Key Concern : The reversal of the {$1200.00} demonstrates that the levy was no longer valid at the time TD Bank processed it. However, the {$120.00} processing fee was still charged and has not been refunded. Efforts to Resolve : I attempted to contact TD Banks levy/legal processing department by phone but was unable to reach a representative after extended hold times. First attempt I was on hold for 2 hours and second attempt I was holding for 3.5 hours when finally, someone asked for my info but then after 10more min of hold phoneline disconnected and left again without any resolution. On XX/XX/year> I visited a TD Bank branch, where a representative attempted to contact the issuing authority via email, but no response was received since. Why This Is Unfair : I acted promptly and in good faith to satisfy the levy before the bank processed it. The subsequent reversal of the levy amount confirms that the obligation had already been resolved. Charging a processing fee under these circumstances is unreasonable, as no funds were ultimately remitted to the creditor and the levy should not have been executed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Last year a notice I disputed this charge off to due to fraud the credit agenies did not investigage properly.. XXXX XXXX XXXX XXXX XXXX Account number XXXX and SPRING OAKS CAPITAL LLC Potentially negative I submitted my fraud report to their email and they will not remove it,, Date opened XX/XX/XXXX Balance {$1000.00} XXXX XXXX XXXX dismissed Potentially negative I disputing this Bankruptcy and credit agencies XXXX told me that I could not disputing my next action I will be sueing. took me that I'm not allow to disputing account again due to fraud and this account fall off in 3 months. Date Filed XX/XX/XXXX this account was open fraud ant paid off and they will remove it, ,Thus is my rights to have accounts removed for fraud. XXXX XXXX XXXX XXXX Account number XXXX Account type Secured Loan Responsibility Individual Court XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/year> at XXXX I attempted to deposit a {$390.00} money order to a Bank of America ATM in XXXX XXXX, Rhode Island. The machine didn't return my money order but I received a receipt that said the deposit couldn't be processed and nor the money order returned to me and to call their claims department for help. I then called Bank of America and submitted a claim and asked for a temporary credit and 28 days later on XX/XX/XXXX I received notification from them that they couldn't find the deposit I had made and did a credit reversal on 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 monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am filing a complaint regarding my credit account issued by Comenity Bank for a XXXX XXXX purchase. I originally opened the account with a credit balance of approximately {$3800.00}. Due to retroactive deferred interest charges, the balance has now increased to approximately {$6700.00}. I was enrolled in a hardship program and was unable to maintain payments due to financial difficulty. I was later charged approximately {$2000.00} in deferred interest, which I did not fully understand at the time of the promotion. The promotion and terms were not clearly explained to me by the store representative when the account was opened. I contacted Comenity Bank to request a reasonable settlement, but I was told I did not qualify. When I called again, I was asked to enroll in another program over the phone, but they refused to provide the terms and conditions beforehand. I am uncomfortable agreeing to financial terms without reviewing them first, especially because I was not properly informed of the original promotion terms. Additionally, my experience with customer service has been extremely frustrating. Different representatives have provided conflicting information, and I have felt spoken to in a condescending and shaming manner rather than being assisted with resolving the account in good faith. I have made multiple good-faith efforts to resolve this matter directly with the bank, but they have refused to provide a reasonable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
Healthcare Finance Direct ( HFD ) is charging {$250.00} in unfair fees and claiming an inflated past-due balance of {$510.00}. The account statement history shows consistent monthly payments being made. However, the company 's automated billing system refuses to recognize payments that are short by literal pennies. For example, a timely payment of {$160.00} was made on XX/XX/year>, which was just XXXX XXXX short of the {$160.00} minimum. Because of this XXXX variance, the system completely rejected the payment as a missed transaction, stacked late/non-payment fees, and rolled the amount into a " past-due '' balance. When escalated to an office supervisor for a manual review, management refused to adjust the ledger or waive the invalid fees, stating simply that the balance was correct based on the automated fees. The company is weaponizing rigid software errors to penalize consumers who are paying on time. I have revoked my ACH auto-pay authorization and am requesting a corporate audit to remove these invalid fees so the true principal balance can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax has committed two violations of the Fair Credit Reporting Act. VIOLATION XXXX FILE ACCESS DENIED : On XX/XX/XXXX, I attempted multiple times to access my Equifax consumer file at my.equifax.com. Each attempt was blocked with an error message : Weve experienced an issue processing your request. I have screenshots documenting failed attempts at XXXX AM and again at XXXXXXXX XXXX and XXXXXXXX XXXX Equifax directed me to call or write instead. This is a violation of my absolute right to file disclosure under FCRA Section 1681g. VIOLATION 2 INACCURATE REPORTING NOT CORRECTED : My auto loan account with XXXX XXXX XXXX is being reported with a Redeemed Repossession comment and a XX/XX/XXXX 30-day late mark. Both are false. I have a written email from XXXX XXXX dated XX/XX/XXXX, in which their customer service agent explicitly confirmed : Your missed XX/XX/XXXX payment has been deferred to the end of the loan, so your account is current. A deferment is not a delinquency. I also have third-party payment receipts from XXXX, XXXX, XXXX, and XX/XX/XXXX proving consistent payments were made. The account is open and current. I have sent Equifax a formal certified mail dispute with all evidence attached. I am requesting deletion of the XX/XX/XXXX late mark and the repossession comment, and immediate provision of my complete file disclosure.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America has provided an unverified, un-reconciled statement dump instead of lawful accounting. They sent me statements from XXXX to XXXX. Leaving out 13 years of statements. ( from XXXX ) and the original collateral signature. They are suing me in XXXX XXXX while actively violating a court ordered arbitration STAY. BofA fraudulently opened the arbitration case 1 month after XXXX denied to facilitate the case i opened with them. They denied my arbitration case and sent my fees back. Bank of America knew before applying to XXXX that they didn't have an arbitration clause, by filing they kept in compliance with the court ordered STAY then BofA withdrew from arbitration within a month or so saying XXXX had no jurisdiction. Wasting my time and the courts time. The kicker was that the attorney for the bank said she filed on my behalf, as she didn't think I would follow the rules and do it myself. Remember, she filed with XXXX about one month after I was denied and had received my fees back.

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 2026-05-22 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Scott Kroner PLC
State: VA

Complaint narrative:
CRITICAL STATUS ESCALATION : Data Furnisher Non-Response on Case XXXX Target Company : Scott | Kroner, P.L.C. ( Signatory : XXXX XXXX XXXX ) 1. Statement of Non-Compliance : This is a supplemental filing to report severe administrative non-compliance. My original complaint ( Case ID : XXXX ) was submitted on XX/XX/XXXX. The target company has completely ignored the CFPB and crossed the absolute XXXX federal boundary for a final resolution. This total evasion of a federal agency matches the unlawful conduct detailed in my original complaint, where this company actively engaged in deceptive collections, attempted to enforce a void debt, and disrupted my home refinance. 2. Identity and Signatory Deception : I am formally alerting investigators to an intentional corporate identity mismatch on this file : The Legacy Brand : The collection agency targets my file using the legacy corporate name Scott | Kroner, P.L.C. Both founding partners, XXXX XXXX XXXX and XXXX XXXX XXXX, are retired from practice. The Actual Signatory : The facially defective, expired XXXX court abstracts weaponized against my approved loan file were actively executed and signed by attorney XXXX XXXX XXXX. Utilizing a retired-partner corporate shell to advance dead, expired zombie debts constitutes a deceptive and misleading practice designed to distort the true legal status of an unenforceable debt under 15 U.S.C. 1692e. 3. Formal Request to the Bureau Because the online portal lacks a message attachment feature for submitted files, I am opening this secondary complaint to force an immediate investigation into the company 's refusal to comply with the Bureau 's administrative process. I request that both cases be merged, marked as " Non-Responsive, '' and forwarded to the CFPB Office of Enforcement to track willful statutory non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I am filing this complaint regarding my Venmo Credit Card issued by Synchrony Bank. On XX/XX/year>, a XXXX XXXX charge for {$57.00} appeared on my Venmo Credit Card activity. I did not recognize or authorize this charge. The XX/XX/year> Venmo Credit Card statement shows {$57.00} in purchases/other debits for the statement period ending XX/XX/year>, with a payment due date of XX/XX/year> and a {$30.00} minimum payment due. This matches the disputed XXXX XXXX charge. After seeing this statement, I called Venmo support at XXXX ( XXXX ) XXXX on XX/XX/year> for XXXX minutes to ask what the {$57.00} charge was and to report that I did not recognize it. During that call, Venmo support told me that they could not see the charge/ that it appeared to be an error, and that I should not pay it. I relied on that instruction. I also placed the card on hold because of this issue. After following that instruction, my account was charged late fees and interest related to this disputed/unrecognized charge : a {$30.00} late fee on XX/XX/year>, a {$2.00} minimum interest charge on XX/XX/year>, a {$41.00} late fee on XX/XX/year>, and a {$2.00} interest charge on XX/XX/year>. I paid {$130.00} on XX/XX/year> under protest only to prevent further credit damage. I later contacted Venmo chat support. The representative stated that they were not able to find the original {$57.00} transaction from XX/XX/XXXX and asked me for a screenshot. I provided screenshots showing the XXXX charge, the late fees, the interest charges, and the final payment. Venmo then referred me to the Venmo Credit Card XXXX XXXX team instead of resolving the issue. I am requesting a formal investigation of the original XXXX XXXX charge, removal/refund of all late fees and interest related to this disputed/unlocatable transaction, and correction or removal of any negative credit reporting related to this issue with XXXX XXXX and XXXX XXXX I also request that Synchrony/Venmo review the XX/XX/year> phone call recording and account notes where I was told not to pay the disputed charge.

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