vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi XXXX, You are now connected to XXXX. I can see that you are inquiring about XXXX XXXX XXXX. Let me quickly check this for you. 
i spend the {$3000.00} for the sign up bonus on time and they are not showing up. as well for other transactions i got points for i see the amounnt i earned but no option to use them Im attending to your query and appreciate your patience while I do so.

i understand tere is time i have to wait but there should be a pop up on my frontpage showing sign up bonus progress Had a look here, I'm afraid I do not see any welcome bonus offer with the card application. As I can see at the time of card application it was also informed that this application will not come with the welcome bonus offer. And final card application is submitted only when you agree to the message that shows at the time of card application. 
i did and i proof While applying the card website automatically show the message pop up where you can see the details. There might be any reason on it like previous bonus misusage, same card re-apply, any misusage on amex offers/gaming. 
Earn a {$250.00} Statement Credit after you spend {$3000.00} in purchases on your Card in your first 3 months of Card Membership. 
this is on your website right now https : //www.americanexpress.comXXXX  I understand that the bonus was available but your account is not eligible for the offer. 
why not i followed all the terms I see this account is not eligible for the welcome bonus offer. Generally, Welcome offer not available to applicants who have or have had same Card in the past. Also, we may consider the number of American Express Cards you have opened and closed as well as other factors in deciding on your welcome offer eligibility. Based upon these factors the account is not eligible. 
I really want to help you, However, when it comes to welcome bonus it's triggered based on the application automatically, and there is no provision to apply it to the account manually. 
American Express is legally obligated to fulfill a sign-up bonu May I please know if you have the documents and screenshot that your card was eligible for the offer when you applied for the card?

yes i sent you this laready https : //www.americanexpress.comXXXX  Thank you for sharing. 
I have escalated the issue and this will get checked and the team will investigate it for you. Please get back to us within 7 to 10 business days. 

However, the maximum time is 30 days. 
i need the case number This is an internal investigation that is why there is no case number. However, the chat is saved for 12 months. You can just initiate the chat and ask for the escalation outcome. We will share the details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I went to XXXXXXXX XXXX XXXXXXXX and purchased a Vanilla Gift Card for {$100.00}. I called the vanilla gift card support number of XXXX to activate the card, but the rep XXXX, stated that I would need to wait 20 min for the card to be activated. When I went to use the card, it kept declining. When I was finally able to look up the balance, it showed XXXX vs the {$100.00} that I had placed on the card. I called back the customer service line, and they are telling me that it is nothing that they can do and that I need to go fill out a form online. I did do the form, but I have not heard anything from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

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 non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
I am in active loss mitigation appeal review for my conventional mortgage loan, and foreclosure is on hold. 

I received a written reinstatement quote for {$10000.00}. On XX/XX/year>, a supervisor XXXX advised me the reinstatement amount would be moved to XX/XX/XXXX as I did not have and would not have the funds available on XX/XX/year>. She stated after that date the reinstatement quote would go up as the the mortgage payment would be due. Today, XX/XX/year> this Supervisor acknowledged speaking with me and changing the quote date. Another supervisor XXXX acknowledged this transaction date and the quote was moved based on that call. The Supervisors codes are XXXX  and XXXX. 

Despite this, I was later informed that the reinstatement amount had increased to {$12000.00}, and that revised quote was allegedly mailed on XX/XX/year>. I didnt receive any not receive any revised quote prior to the expiration of the original written quote, and I relied on the supervisors representation that the amount would remain valid through XX/XX/XXXX. 

At this time the amount was increased, foreclosure on hold and my modification appeal of the loss mitigation is under review. The servicer has provided inconsistent and misleading information and increased the reinstatement amount without timely notice or adequate information. A copy dated XX/XX/year> was provided today which is well before the XX/XX/XXXX deadline. 

I am requesting that the servicer correct the reinstatement amount to the original quoted amount provide a full itemized accounting and justification for all added charges, and ensure that foreclosure remains on hold while my appeal is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services
State: PA

Complaint narrative:
I received a car titleloan in XX/XX/XXXXXXXX  for {$5000.00}. And then I had referred a friend in XX/XX/XXXX and they could not approve my person I referred and they told me that I could get {$1000.00} out and just pay it to the person I was referring to the XXXX XXXX so in total it was a {$6000.00} loan that ended up getting refinanced and they put {$3000.00} extra on the {$1000.00} that they suggested that I get so that way I could help my friend out even though she wasnt approved through the company, but it was approved through my account. So now in XX/XX/XXXXXXXX   I have paid this loan for 30 months now of $ XXXX  monthly and Ive only asked for two deferment so far from those 30 months so Ive been paying 93 % of the time for my loan and I still have an outstanding principal balance of {$8000.00} that I owe to the financial institution. I asked for a deferred payment for the third time in XX/XX/XXXXXXXX   for my balance of {$220.00} and the rep that I spoke with sent a XXXX paper for a deferment of {$250.00} which is more than the balance that I owe for the month. I believe this loan predatory and I need help with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I asked a skip trace XXXX XXXX from Texas XXXX I didnt want him calling my family or employer. To contact me through letters. And he keeps calling my work and family

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 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Re : Deceptive practices. 

Hi. I would like to report a deceptive practices around deferred interest transparency, especially with no mailed statements leading to missed deadlines. I opened my Care Credit account in XXXX. I have been paying it regularly. For some reason, I received an e-mail for the first time last night that I owe them {$4900.00}. I called them early morning today. I was told that that the promotion has expired last year of XX/XX/XXXX and XX/XX/XXXX. I never received any statement in the mail. They said I enrolled in paperless which is not true. I am old school and I preferred letters in the mail to remind me of my bills. I spoke to their four staff today. They said they can not help me. The Account Manager, XXXX was rude and has no empathy. She hung up on me. So I called again and requested to close my account. 

I have an outstanding credit. My XXXX  is currently XXXX. I just think that this is not fair and deceptive. I am asking for any assistance programs, or settlements. Please help!

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 2026-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
We were harassed unmercifully last year by the mortgage company over Real estate taxes we pay directly to our local jurisdictions outside of escrow. It took well over 9 months for them to back off of opening an escrow account for taxes that had been paid fully. The previous mortgage company sold to the current mortgage company, ( oddly with a similar address? ) and the current loan servicing company is attempting to open an escrow account on our mortgage, citing unpaid taxes that are PAID IN FULL and have been every year since 2001 at our current address. These two mortgage companies have repeatedly claimed that we are delinquent on taxes, which we are not, and the previous company opened escrow on an account that was paid in full and current, then increased our mortgage payment to cover their additional expenditure and threatened collection, negative credit reporting and foreclosure if we did not pay it! This is extortion!!! 
Phone calls to correct the situation were sent overseas to who knows where and they expected to me to give them my SS # and personally identifying info before they would talk to me. Others were answered by someone who identified itself as " XXXX XXXX '' who claimed to be an employee. No one who I spoke with had any authority to correct the situation. Attempts to escalate the called were put on hold until they hung up on me. The mortgage was then conveniently sold to Crosscountry Mortgage, LLC and the harassment started all over again within the first 30 days of the transfer, with Crosscountry now claiming that taxes were not paid and they would open escrow the account that IS CURRENTLY PAID IN FULL! 
I sent them all documentation of payment, including processed bank checks and documentation from our XXXX XXXX XXXX XXXX documenting the last 7 years of current payments. 
This seems to be a recurrent pattern of illegal collection practices by Crosscountry Mortgage, LLC., and is frowned upon by the Fair Debt Collection Practices Act, SS 805 and SS 809 ( a ) ( 4 ) and ( b ), which forbids the practice they are engaging in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
Good morning, I am submitting this complaint to the Consumer Financial Protection Bureau regarding a payment issue that has not been handled properly despite repeated attempts to resolve it directly. The companys actions have resulted in unnecessary delays, incorrect processing, and potential mishandling of my personal information. 

Summary of the issue : 1. I requested that my payment be issued by direct deposit, and I provided my banking information.
2. The company sent me a notification confirming receipt of my request and stated that it was being processed using my current mailing address.

3. I was later advised that the company did not receive the notarized documentation required to process direct deposit and verify my name change. That statement is not accurate. The notarized page was included in my original submission, and I followed up again with proof that the notarized page had already been provided.

4. Despite my direct deposit request and notarized documentation, the company proceeded to issue a paper check instead of processing direct deposit.

5. The company then mailed the check to my former address, and the check was also issued under my former name, even though my updated information was provided. I became aware of the incorrect mailing because I still receive USPS Informed Delivery notifications. 

This issue could have been resolved by simply processing the deposit to my bank account as requested. Instead, the companys actions have caused an avoidable payment delay and confusion, and the outcome directly contradicts the companys own written notification acknowledging my request and my current address. 

Name clarification : My current last name used on my bank account is XXXX ( my maiden name ). The former name the company had on file was XXXX. 

I can provide supporting documentation including email correspondence, the notarized page previously submitted, the company notification confirming receipt and processing to my current address, and screenshots reflecting the incorrect address issue. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 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: Chime Financial Inc
State: FL

Complaint narrative:
Conversation opened. 1 unread message. 

On XX/XX/year>, I reported an unauthorized debit card transaction in the amount of {$1100.00} on my Chime checking account ending in XXXX. I did not authorize, recognize, or benefit from this transaction. The merchant is located in XXXX XXXX, XXXX, and I have never conducted business with this merchant. 

I reported the transaction promptly to Chime and fully cooperated with their investigation. I submitted all requested documentation, including a police report, screenshots showing the merchants foreign location, and a written statement confirming the charge was unauthorized. 

Despite this, Chime denied my dispute and stated only that no error occurred, without providing any evidence that I authorized the transaction or addressing the police report or supporting documentation I provided. 

XXXXXXXX XXXX XXXXXXXX. is the issuing bank on my account and is responsible for compliance with Regulation E. The denial did not include a reasonable explanation or proof of authorization as required under Regulation E ( 12 CFR 1005.11 ). 

I am requesting reimbursement of the unauthorized {$1100.00} and a copy of all records relied upon to deny my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Collection agency calling my phone and looking for me by calling my work place I keep getting harassed with calls past XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Product : XXXX XXXX  / money transfer Issue : Billing error, failure to investigate, improper credit reporting threat Company : XXXX. 

I am filing this complaint because XXXX  has failed to properly investigate and resolve a documented funds-transfer error, has relied exclusively on automated responses despite repeated requests for human review, and has threatened credit reporting while the dispute remains unresolved and unvalidated. 

Timeline and facts : On XX/XX/XXXX, I initiated a transfer of {$350.00} from my XXXX XXXX checking account to my XXXX  account. 

Due to an error on XXXX system, the transaction processed twice, resulting in a total withdrawal of {$700.00} from my XXXX XXXX account. 

XXXX XXXX has confirmed on their official account ledgers that {$700.00} was transferred to XXXX. 

( I am submitting screenshots of my XXXX XXXX XXXX showing the {$700.00} withdrawal and related transactions ) XXXX XXXX Claim Reference Number : XXXX ( dated XX/XX/XXXXXXXX  ) XXXX, however, acknowledges receipt of only {$350.00} and claims the remaining {$350.00} was never received. 

In good faith, once XXXX  acknowledged receipt of {$350.00} : I returned {$350.00} to XXXX XXXX on XX/XX/XXXX. 

A second adjustment/return related to this issue occurred on XX/XX/XXXX. 

Despite XXXX XXXX confirmed ledger showing {$700.00} transferred to XXXX, XXXX  has failed to explain or account for the missing {$350.00}. 

XXXX  has since taken {$17.00} from my XXXX  balance and is now demanding an additional {$330.00}, which together equal the {$350.00} XXXX  claims it is owed effectively requiring me to repay funds that my bank confirms were already transferred. 

Automated Responses and Failure to Investigate For several weeks, I have attempted to resolve this issue directly with XXXX. However : All responses from XXXX appear to be automated or template-generated My specific questions regarding ACH tracing, transaction ledgers, and reconciliation are not addressed Repeated requests to speak with or correspond with a human investigator, supervisor, or compliance representative have been ignored XXXX  has not provided any documentation, such as an ACH trace number or transaction ledger, to support their claim that only {$350.00} was received Despite this lack of investigation, on XX/XX/XXXX, XXXX  threatened to notify credit agencies regarding this disputed balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IA

Complaint narrative:
XX/XX/year>XXXX  I contacted CashApp customer service for help deleting my account and erasing all personal data. The assistance given was not substantial, thorough, or even inaccurate- despite coming from a XXXX ' individual through their support service. They do not have real people available from what I have heard. Anyway, personal data was requested to be removed and deleted, but was never done so. A confirmation # was generated, but has since proven to be nothing short of invaluable. The privacy team has neglected to reach out within the time frame they have stated, and after learning even further than breaches have been rampant on the app, it is even more worrisome. I want nothing to do with the app and hadn't used it in years, yet my bank account has now been kept along with personal data. I want everything removed up to the legal extents posible.

Company response to consumer: Closed with explanation