vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I dispute the alleged debt and requested debt validation, method of verification, proof of XXXX, and other documentation supporting LVNV Funding LLC XXXX XXXX that I am legally obligated for this account. I submitted multiple requests seeking this information. The responses I received did not provide the specific information requested and largely consisted of the same documents previously provided. The matter was also the subject of litigation that was compelled to arbitration pursuant to the underlying agreement. The arbitration was subsequently closed after the claimant failed to pay the required arbitration fees. The court later dismissed the case. Despite my disputes and requests for verification, I do not believe LVNV Funding LLC has adequately substantiated its claim. I am requesting that LVNV Funding LLC provide complete documentation supporting its collection efforts and ensure that any information furnished regarding this account is accurate and fully supported by competent evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: VA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MO

Complaint narrative:
Today I was attempting to access my 5/3rd account online to see what the remaining balance of my auto loan was. I needed to call the support line for help getting into my account. During the process of helping me debug the issue and log in, they told me I needed to use my Social Security Number as my Account ID. The Account ID field is not masked or censored like a password field, and was exposed. This is a massive security concern, and exposing Social Security Numbers as login IDs should never happen. This needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
First I was told by one of the XXXX XXXX ( XXXX XXXX ) at the university XXXX XXXX back in XXXX that I would need to take some master level courses in order to keep my job as an assistant strength coach. After taking out a student loan I was later told that those classes wound not be necessary. This was the beginning of my financial hardship .After never really recovering financially I Later had to filed for XXXX XXXX. My fed student loan was included and removed from my credit and everything was starting to look bright for my financial hardship. After about a year of my bankruptcy discharge and having a clean credit file, my Fed Student Loan popped back on my Credit

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX my chime debit card was charged XXXX dollars by XXXX. This was an unauthorized transaction. The only time I used XXXX was in XX/XX/XXXX with my sister in law on her account. And it was removed from her payment methods. Even when she calls XXXX they tell her my card isnt on file for her account they dont know why my card is being charged. I disputed it with my bank but my disputed was denied. I contacted the merchant XXXX and was told they would review it and get back to me. The email I received from them on XX/XX/XXXX stated that since I knew the person whose account was charged I should contact them for the money back. And that my card would be restricted and no longer charged. I replaced the card they charged which was a virtual debit card. I also spoke to my bank Chime on XX/XX/XXXX on the phone and was told my that the merchant was now blocked and they could no longer charge my card. On XX/XX/XXXX my brand new virtual debit card which was only about 2 days old was charged again by XXXX for XXXX dollars. I called XXXX and they had no answers for me an only told me they would be back to me. Chime told me that the merchant wasnt block contrary to what to representative before him said. Still I waited for the transaction to finish pending to file a dispute for that charge and redispute the first XXXX aswell. Both were denied saying I had no evidence to prove it was unauthorized and that I had to unfortunately accept the loss. But the email from XXXX saying XXXX wont be charged nomore on the XXXX was enough evidence to show that that the charge on the XXXX was unauthorized. But my dispute was still denied.Im still waiting on XXXX team of specialists to contact me which hasnt happened and Ive been calling every 2 days for an update and they dont have XXXX they just say theyll put in a note for the specialist team to see.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have already filed complaints with the FTC, CFPB, and Better Business Bureau regarding LVNV Funding. I have repeatedly requested proper validation and documentation regarding these alleged debts. I never received the initial notice. I have repeatedly asked for proper documentation, and instead of providing it, LVNV continues reporting these accounts to the credit bureaus and allowing them to be verified despite obvious reporting discrepancies. At this point, I already know what is going to happen. LVNV is going to send another generic response claiming the accounts were verified. A generic response is not validation. I am requesting the actual documentation. Not a summary. Not a generic statement. Not a template response. I am requesting : The original agreement. The complete payment history. The date of default. The amount allegedly owed and how it was calculated. Documentation showing LVNV legally owns the debt. Documentation supporting the date of last payment. Documentation supporting the dates being reported. Documentation supporting the payment status being reported. Documentation supporting the balances being reported. Documentation supporting every field being furnished to the credit bureaus. LVNV Account # XXXX ( {$610.00} ) Experian reports : Terms = 1 Month Collection/Charge-Off Date Last Active = XX/XX/XXXX XXXX reports : Terms XXXX XXXX Late 120 Days Date Last Active = XX/XX/XXXX LVNV Account # XXXX ( {$1900.00} ) XXXX reports : Terms = 1 Month Collection/Charge-Off Date Last Active = XX/XX/XXXX Date of Last Payment = XX/XX/XXXX XXXX reports : Terms = XXXX Late 120 Days Date Last Active = XX/XX/XXXX Date of Last Payment = XX/XX/XXXX LVNV Account # XXXX ( {$560.00} ) Date Opened = XX/XX/XXXX Date Opened = XX/XX/XXXX LVNV Account # XXXX ( {$720.00} ) Date Opened = XX/XX/XXXX Date Opened = XX/XX/XXXX If LVNV has the documentation, then produce it . If LVNV does not have the documentation, then explain how these accounts continue to be reported and verified. " It's all over the internet that LVNV responds with generic letters and claims accounts are verified without addressing the actual disputes. '' I am documenting this now because if LVNV responds with another generic response and fails to provide the documentation requested, I will immediately consult with a consumer protection attorney regarding violations of the FCRA, FDCPA, and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I have been paying a loan back every month for almost XXXX years it was a title loan from title max for XXXX my car has been illegally repossessed XXXX times from my house while I was present as I asked them to leave my property that in itself is illegal breach of peace damage has been done to my vehicle as well as my property thousands of dollars have been paid to title max not once have I paid down the principle XXXX dollars a month since XXXX every XXXX months they renew my loan until recently I didnt know why until I learned they were charging the high XXXX for those first XXXX months that they are allowed too .. this is predatory I need help with this company they are violating my rights with the repossessions alone and on XXXX different occasions this has happened each time the payment is made my car is returned different from the way it left my possession help me with these tyrants please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In XX/XX/year> I received a letter from Pennymac saying my loan was being transferred. However, My lender is XXXX XXXX. I also received a letter from XXXX XXXX in XXXX saying that they were transferring the loan and the new servicer would be XXXX XXXX c/o XXXX. It stated the address where payments were to be sent and it had not changed. So I made my XXXX payment to XXXX XXXX. Pennymac began sending me notices of default and when I got my XXXX statement it was from pennymac and stated that my XXXX payment had not been paid and had a late fee added. When I made my XXXX payment, it was applied to my XXXX payment that had already been paid to XXXX XXXX and included a late fee. I contacted XXXX XXXX who contacted pennymac to resolve the account errors but no correction was made. I didn't want my account to be showing as being in default or to be charged late fees for payments made on time so I made extra payments in XXXX to bring the account current. Pennymac held the payments in a suspense account and continued to charge late fees along with " inspection fees ''. They also charged me non sufficient funds fees while holding payments in a suspense account. I contacted pennymac to address the account mismanagement errors and was told they would issue a temporary forebearance to allow time to correct accounting errors. However, they continued to send statements showing payments being inflated along with late charges and inspection fees. I contacted pennymac several times asking them to correct the account errors and they responded with a message stating an inquiry was made to adjust the account and to please allow them time to reconcile the account. Meanwhile, they were interviewing me for loan modification and denied me saying I was not defaulted by 3 months or more and a representative of pennymac actually told me to reapply after the next payment was due saying that it would be 3 months defaulted then which was not accurate. They reported to the credit bureaus that I was late when I wasn't and they still haven't corrected my account. Now they have filed a foreclosure lawsuit stating I defaulted. Meanwhile, when I log into my XXXX XXXX account and loan care account they both say the loan has been paid off. The loan number pennymac has does not match the loan number on the mortgage or the note. I have sent pennymac bank statements proving the XXXX payment was made to XXXX XXXX and that XXXX payments were deducted from my account in XXXX and they still refuse to correct the errors on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Hi, On XX/XX/year> I called Citibank to inquire if I could be refunded the annual {$99.00} membership fee charged on XX/XX/year> to my AAdvantage Platinum Select Mastercard ending in XXXX ( monthly statement attached ). They stated they would convert the card to a new type of account ( ending in XXXX ) that would not charge an annual fee and would refund the full {$99.00} membership fee into the XXXX account. [ The account conversion date of XX/XX/year> ( screen print attached ) met their XXXX refund window. ] On XX/XX/year> I still did not received the refund so I contacted them and they said, 'if the conversion is processed in XXXX days of the fee is billed then the membership fee will be refunded in XXXX days. ' On XX/XX/year> I received a partial (? ) refund of {$74.00} on account XXXX ( monthly statement attached ). On XX/XX/year>, XXXX days after account conversion date, I still did not receive the promised {$99.00} refund total. I contacted them again and they stated that I did not initiated the refund within their refund policy 's window (? ), so they prorated the refund. However, a XXXX there said ( audio recording attached ) I would receive the remaining {$24.00} refund in XXXX week. XXXX after months of waiting and tons of communication, I still have not received the all their promised full refund of {$99.00}. At this moment, I just think I should voice my frustration to you. The remaining refund amount of {$24.00} is not really significant, but for the principal of the matter I just hope you can hear me out and help me clear up my frustration. Thank you so much for your help and understanding. LN

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

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 2026-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: ME

Complaint narrative:
XX/XX/XXXX. Received call regarding some kind of debt. Explained I am in a financial crisis and don't have money to spare. The solution offered to was to sell my animals and if I'm not willing to do that then, " oh well ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
I have a loan with Security Finance and often renew the loan when I need to. I changed jobs making MORE money then before. I have renewed multiple times and recently even increased my loan size to a larger loan. I am a great customer and always pay on time or call to say the exact date im going to make my payment. I have a great relationship with the company. When I called to ask if i could refinance my loan the branch manager XXXX told me that because I work at XXXX XXXX company that I can not get a loan with Security Finance. Working for a company I know those were old practices but have been done away for a long time. Today in XXXX we are not allowed to discriminate on the source of income. This is unfair because just because I work for a company doesn't mean I dont need financial help sometimes just like everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
BMO closed my account back in XXXX. They are holding my remaining balance of {$25.00}. Phone representatives are refusing to release my funds or mail me a check, claiming they will just keep it. This is a violation of federal banking laws. I demand BMO mail a cashier 's check for my {$25.00} to my address immediately. ''

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I am a customer of Synchrony Bank/Care Credit . In XXXX of this year I was having issues paying my bill and called them to see if I could delay my payment or what options were available. At that time, I was advised that I was enrolled in a benefit program that would cover me for up to 6 months of payments during financial hardship due to loss of job, or reduction in hours worked. I initiated a claim and was awarded the full 6 months of benefits. The Benefit company issued the funds directly to Care Credit/Synchrony Bank in one lump sum during the middle of a billing cycle. Synchrony Bank/Care Credit applied this lump sum payment to the FULL PRINCIPLE debt owed instead of coding this to cover my monthly payments and have absorbed these funds, explaining that there is nothing they can or are willing to do to resolve this matter. The benefit company has explained that this is a violation of the agreement and that Care Credit is supposed to place my account into a protected status that these benefits are applied appropriately so that the BENEFITS actually benefit, ME, the consumer. I have made several calls and complaints begging for this matter to be resolved and Care Credit and the Benefit company have offered no way to rectify this issue and simply keep pushing me back and forth saying its the other parties fault. Meantime, my next months payment is already due, despite Care Credit having received over XXXX in lump sum payment and they are refusing to credit my account or resolve this in ANY fashion that benefits me, the consumer, in anyway. They advertise this benefit program on their website when you sign up for an account and are equally as culpable for how these benefits are utilized with their company.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
b'On XXXX XXXX XXXX, I received a telephone call from XXXX showing JP Morgan Chase, and the man on the line stated he was calling to initiate fraud investigation in my account. Since the call id shows chase, I responded to inquiry, he sends a code showing chase and this made believe he was a chase representative. Accordingly, I followed all his instruction to login for online banking on my cellular phone and in the process, I let him have access to my banking accounts via my phone connection in CHASE AND XXXX because he discovered from the access that I have an account also with XXXX XXXX. Consequently, XXXX transactions scheduled and transferred from both accounts. Here are the breakdowns: \nJP CHASE MORGAN:\n1.One XXXX Transfer to XXXX XXXX XXXX for XXXX XXXX XXXX\n2. One XXXX Transfer to XXXX XXXX XXXX for XXXX XXXX\n\XXXX XXXX Fraudulent Transactions:\n1. One XXXX Transfer to XXXX XXXX for XXXX XXXX XXXX XXXX\n2. one XXXX Transfer to XXXX for XXXX XXXX XXXX\n3.One XXXX Transfer to XXXX XXXX XXXX XXXX XXXX\nWhen I discovered the fraud transactions I contacted both XXXX XXXX and Chase banks to report the fraud, but the bank replied that I gave access to my online banking and my claims were denied. I equally reported to the local police department.'

Company response to consumer: Closed with explanation