vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
I am filing this complaint against Lockhart , Morris & Montgomery ( LMM Inc. ) for bad-faith negotiation, deceptive practices, and retaliatory collection tactics regarding a medical debt. I am currently unemployed and without health insurance.LMM Inc. previously offered a settlement of {$500.00} on XX/XX/XXXX. When I attempted to negotiate further, the agency ignored my communication for 14 days. When they finally responded, they engaged in an immediate predatory rate hikeretaliating with a new offer of {$650.00}, which is significantly higher than their own previous offer.Immediately following this price increase, LMM Inc. revoked my secure online portal access and locked me out of my account. This directly violates my explicit, standing request to maintain all communication strictly in writing for my own record and protection. By revoking portal access, they are deliberately attempting to force me into unrecorded phone conversations to bypass consumer transparency.I escalated this issue through the XXXX XXXX XXXX XXXX XXXX Case ID : XXXX ). LMM Inc. repeatedly refused to engage in voluntary mediation, sending identical generic boilerplate text twice to evade third-party tracking.In their official response on the XXXX platform, LMM Inc. explicitly directed me to file a complaint with the CFPB and urged me to contact their Chief Compliance Officer, XXXX XXXX XXXX Following their corporate directive, I sent a formal written compliance escalation directly to XXXX XXXX on XX/XX/year>, detailing these retaliatory tactics and the portal lockout. As of today, XX/XX/year>, a full week has passed and XXXX XXXX has completely ignored this executive outreach. This demonstrates a systemic corporate refusal to address bad-faith operations.Because of these predatory and deceptive tactics, I request that LMM Inc. be ordered to accept a final settlement of {$250.00} with immediate, permanent deletion of this trade line from all credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
XXXX locked my account XX/XX/XXXX and refuse to unfreeze my account even after provided them with my temporary government issued ID about 15 times since then I keep getting the same message no matter if I call or reach out through chat I'm always told the wait to hear back through email and when the email comes it asks for the same information that I already previously provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX, an unauthorized charge in the amount of {$1000.00} was made using my Navy Federal card at XXXX XXXX. I did not authorize this transaction, did not make this purchase, and did not permit anyone else nor did anyone have access to use my card or account information to make this purchase. After discovering the transaction, I promptly reported it to Navy Federal as fraud and filed a dispute. Navy Federal initially provided provisional credit for the disputed amount while it conducted its investigation. On XX/XX/XXXX, Navy Federal reversed the provisional credit by posting an adjustment of - {$1000.00} to my account. Navy Federal informed me that, based on its investigation, it had determined that the transaction would not be treated as unauthorized and denied my fraud claim. I requested a second review of the matter and again explained that I did not make or authorize the purchase. I also confirmed that no family member, household member, or other person known to me made the purchase on my behalf or with my permission. My position has remained consistent throughout this process : an unknown third party obtained my payment information, used it to place the order, shipped the merchandise to my address, and intercepted the package before I could be aware of the fraud. As part of my request for reconsideration, I provided additional information, including XXXX tracking records associated with the shipment. Those records indicated that a package valued at approximately {$1000.00} was delivered without a signature requirement despite the high dollar value of the merchandise. Despite my request for a second review and the additional information I provided, Navy Federal upheld its original determination and again denied my claim. As a result, I remain responsible for a {$1000.00} transaction that I maintain was unauthorized and fraudulent. I am requesting a review of Navy Federals handling of this matter and seeking reimbursement of the disputed {$1000.00} charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I am writing to formally dispute the validity of the aforementioned debt currently being reported by MRS BPO , XXXX on my credit file. I recently reviewed my credit reports and discovered that your agency placed a collection tradeline on my account, resulting in a severe, immediate drop in my credit score ( 75 point ). Please note the following critical issues regarding this account : XXXX. FDCPA Notice Violation : I have never received a physical, written validation notice or initial debt disclosure letter from MRS BPO , XXXX regarding this {$250.00} balance. Bypassing the mandatory consumer notification process to report a collection directly to the credit bureaus violates my rights under the Fair Debt Collection Practices Act ( FDCPA ). XXXX. Creditor Obstruction / Artificial Default : This balance originates from an upgraded XXXX XXXX XXXX. When I cancelled my XXXX XXXX, I explicitly asked the representative how to return the hardware. XXXX representatives refused to accept a physical return of the device and immediately deleted my online billing portal access. By intentionally revoking my payment mechanism, XXXX actively obstructed my ability to pay, creating an artificial default. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX U.S.C. XXXX, I demand that your agency immediately cease reporting this unverified item to XXXX, XXXX, and XXXX until you provide full, itemized documentation verifying this debt via mail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am submitting a complaint regarding XXXX denial of my billing dispute for prepaid services that were never rendered. I purchased prepaid services from XXXX XXXX XXXX XXXX XXXX XXXX using my Discover card. XXXX of those purchases was a six-treatment XXXX package for {$990.00}. XXXX facial was upgraded, as a promo, to a platinum facial. I never received any of my XXXX facials because the merchant permanently closed before they could be provided. The package was advertised as non-expiring. I also purchased additional prepaid services from this business on a different credit card. That card issuer reviewed the same circumstances surrounding the business closure and approved reimbursement for the unused services. This business permanently closed before prepaid services were provided. After learning of the closure, I contacted the former owner, who confirmed in writing that the business had dissolved and that services remained unused on my account. She further stated that I should be eligible to dispute the charges and receive reimbursement for unused services because the business closed with no funds available for refunds. On XX/XX/year>, I filed a dispute with Discover and provided supporting documentation, including a letter from the former owner confirming that services remained unrendered and that reimbursement should be provided for unused services. I also provided receipts and communications supporting my claim. Despite this evidence, Discover denied my dispute on XX/XX/year>, determined the transaction was valid, and reversed the temporary credit that had been applied to my account. I paid for services that I never received because the merchant permanently closed before providing them. The merchants own written statement confirms that services remained outstanding and could not be provided due to the closure of the business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Transworld Systems Inc. ( XXXX ) is collecting a debt for XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is reporting {$770.00} on my credit report but their letter dated XX/XX/year> claims {$900.00} a {$130.00} discrepancy. XXXX also sent notice to an incorrect old address, failing to properly notify me. I am requesting full debt validation and deletion of this inaccurate tradeline from all three bureaus under FDCPA XXXX and FCRA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am currently leaving an abusive relationship and did not have consistent access to my mail or laptop. I am also in the middle of a XXXX appeal. Wells Fargo took possession of the vehicle on XX/XX/year> after midnight. At XXXX I called Wells Fargo XXXX I explained my situation. However, they were unable to give me a reinstatement amount or payoff. I called the phone number given by the first representative. This XXXX XXXX line had a pre-recorded message indicating an unexpected error had occurred. I called the original Wells Fargo line asking additional questions. I was told the car could be auctioned within XXXX hours but I would have to wait XXXX hours to receive any additional information. They could not tell me where the vehicle had been taken or any other pertinent details. When I suggested this seemed unusual they continued to say call back in XXXX hours. They insisted nothing could be done at the moment. I am now stuck at the household where abuse is happening. I had only been within my prior home for XXXX hours before attempting to leave once more and the vehicle was gone. XXXX Wells Fargo is refusing to be transparent about my vehicle.

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 2026-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Assistance Inc
State: TX

Complaint narrative:
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, XXXX USC XXXX stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named XXXX and XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Against Capital One Regarding Hold on XXXX Transfer On XX/XX/year>, at approximately XXXX XXXX, I initiated a XXXX transfer of {$6500.00} from my XXXX XXXX account to my Capital One account. Both accounts are owned by me and are held under the same name. After the transfer was sent, Capital One flagged the transaction and informed me that the funds would be held for 23 business days. The following day, I contacted Capital One again and was advised that the hold had been extended to 7 days. When I asked for the reason for the extended hold, I was told that Capital One needed to allow time for the sender to file a claim or dispute the transaction. This explanation is unreasonable in my situation because I am both the sender and the recipient of the transfer. There is no third party involved. I contacted XXXX XXXX and was informed that the transfer had successfully cleared my XXXX account. I also contacted Capital One, and Capital One confirmed that the funds had been received. Despite confirmation from both financial institutions that the transaction was completed and the funds were received, Capital One continues to restrict my access to my own money. Transaction ID : XXXX I am concerned that Capital One is withholding access to funds that have already been received without providing a clear or reasonable justification. The explanation that the hold exists to allow the sender to dispute the transaction does not make sense when the sender and recipient are the same person and ownership of both accounts can be verified. Requested Resolution : 1. A detailed written explanation of the specific reason the transfer was flagged and the legal or policy basis for the 7-day hold. 2. Confirmation that Capital One has reviewed and verified that both the sending and receiving accounts belong to me. 3. Immediate release of the funds if they remain restricted. 4. Reimbursement for any fees, penalties, or financial losses incurred as a result of Capital Ones actions. 5. A review of Capital Ones policies and procedures regarding holds placed on transfers between accounts owned by the same customer to prevent similar issues in the future. I respectfully request that Capital One provide a prompt response and resolve this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I discovered a collection account ( XXXX ) for {$650.00} reported on my Equifax credit report dated XX/XX/year>. The collection agency is listed only as XXXX with no identifiable agency name or original lender information provided on my credit report. This is listed as a medical debt however I have never received any written notice, phone call, or any form of communication from this collection agency regarding this debt. I do not recognize this debt and have no knowledge of what it is for or who the original creditor is. Under the FDCPA, debt collectors are required to provide written notice within XXXX days of first contact. I was never contacted at all. I have previously disputed this with Equifax and it remains on my report. I am requesting this account be fully validated or removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
The person, XXXX, called XXXX told my mother she was with " the credit union '' and missed my call and she was calling back. Total lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
The account I sent the money to was written under my mother 's name through XXXX for the amount of {$500.00}, I sent the money and checked it the next day on my account and the name was under some other person 's name that was not my mother. I sent it to an old phone number by accident but the bank did nothing to update the name under the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Constant messages from this 3rd party company Hi there! This message is for XXXX XXXX. If you are not this person, reply STOP. Your XXXX Account ending XXXX remains unpaid. For payment options or additional information concerning your account, visit : XXXX XXXX XXXX XXXXXXXX. Please use reference number XXXX to access your account. You may also call our office at XXXX. Should you require additional assistance, text HELP for more options. This is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose. If you wish to opt out of text messages from Sequium Asset Solutions , LLC, reply STOP. This is a one way text. Text responses containing images/attachments are not monitored. For more info, reply HELP To Opt out, reply STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The assertion fails to reflect the comprehensive monitoring architecture and disciplined compliance controls I uphold, while disregarding my established history of ethical accountability and dependable performance. The explanation inaccurately portrays my organized management systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I dispute this debt and the balance being reported. Synchrony Bank failed to provide the physical card associated with this account and failed to provide a reasonable means for me to access and manage the account. Because I never received the card, I was unable to complete online account registration and monitor or make payments as intended. After late fees and interest began accruing, I contacted Synchrony and was advised that certain fees would be reversed. Those promised reversals were not completed. As a result, the balance being reported includes fees, interest, and charges that I believe are inaccurate and are directly related to Synchronys failure to properly service the account. I signed up for this card XX/XX/year> at TJMaxx at time of purchase. I received a single email with link to pay ( without the website showing actual amount due, only due now ), I made the payment in XX/XX/year>. Since this time, I have called to requested reversal of fees and interest accrued since then as card/number was never provided to me, only a temporary card number that did not work to log in to account to make payment. I still have not received a card and they have not reversed fees and interest as I was promised.

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 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$48.00} deducted from account on XX/XX/year>. {$48.00} amount was a refund issued to me from XXXX. No advanced or adjustments issued prior to XXXX refund. Debit card inactive for 2 weeks multiple customer service people says card under repair

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 2026-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Braviant Holdings, LLC
State: NC

Complaint narrative:
I received information in the XXXX mail for a loan with Balance Credit. I borrowed {$1500.00} through their website. I was unaware at time of borrowing that the loan interest rate is XXXX %. This interest rate is illegal in North Carolina where I am a resident. Further I learned Balance XXXX a rent a bank scheme in order to evade North Carolina law.

Company response to consumer: Closed with explanation