vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Financial Services Solutions, Inc.
State: NY

Complaint narrative:
To Beyond Finance , LLC and its Managing Officers : This letter serves as a final legal notice regarding your entity 's willful, deceptive, and unlawful conduct. Your recent communication constitutes an admission of your intent to violate federal law and my explicit directives. 

XXXX. DECEPTIVE PRACTICE IN VIOLATION OF THE CFPA : Your claim that " Beyond Finance is not a debt collector '' is a material misrepresentation designed to circumvent my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ).

* Fact : Your principal business purpose, as stated in your own contract, is the negotiation and resolution of consumer debts owed to third-party creditors. You do not assume the debts. This aligns with the definition of a " debt collector '' under CFPB regulation 12 CFR 1006.2 ( i ).

* Violation : This misrepresentation is a deceptive act or practice under 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), enforced by the CFPB. It is an attempt to mislead a consumer about their legal rights. 

XXXX. CONTINUED VIOLATION OF CEASE COMMUNICATION DIRECTIVE : Your statement that you " have scheduled to have an account manager reach out to you '' is a direct, willful violation of my prior cease communication demand submitted via the CFPB. Any such contact is unlawful harassment under FDCPA 1692c ( c ) and 1692d.

3. CONFIRMATION OF LACK OF VALIDATION : Your response fails to address, let alone provide, validation of the alleged debts as required by law. Your continued activity is therefore unlawful under 1692g ( b ).

IMMEDIATE AND FINAL DEMANDS FOR LIABILITY MITIGATION : You have ten ( 10 ) calendar days from your confirmed receipt of this letter to provide the following, sent to my address above : IMMEDIATE CANCELLATION & ACCOUNT CLOSURE : Written confirmation that my Debt Resolution Agreement ( executed XX/XX/year> ) is terminated effective immediately per its Section 21, with all associated files closed.

FULL CEASE & DESIST : Written confirmation that all communication of any kind from Beyond Finance, its agents, affiliates, or attorneys will cease permanently. 

RETURN OF FUNDS : A full accounting and immediate return of all funds held in the XXXX dedicated account ( # [ Your XXXX Account # if known ] ), to be sent to me via certified check. No fees may be withheld, as you have failed to perform the core service ( resolution ) and are in material breach. 

CORRECTIVE ADMISSION : A written retraction of your deceptive statement that you are " not a debt collector, '' acknowledging your entity is subject to federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
In XXXX I disputed the completeness and accuracy of the payment history for this account with XXXX. In early XXXX the company verified the debt however, they are still reporting inaccurate information on my credit report, violating my rights under the FDCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a Capital One cardholder for many years and accumulated approximately XXXX rewards points through regular spending on my cards. Recently, Capital One closed my accounts, stating only that they observed activity inconsistent with typical customer account usage. I have not violated any terms or conditions. 

After closing the accounts, Capital One confiscated all of my rewards, explaining that since the accounts are closed, I no longer have access to the points. I informed them that as a New York State resident, I am entitled to a 90-day period to redeem my rewards following account closure. They stated they were not aware of such a requirement and provided me with a case number, saying they would escalate the matter, but without any clear resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Product : High Yield Savings Account Company : American Express National Bank Complaint summary : American Express National Bank is refusing to honor a {$500.00} promotional cash bonus despite my meeting all stated eligibility requirements. The bank is applying an undisclosed funds availability requirement that does not appear in the written promotion terms. 

What happened : I opened a High Yield Savings Account with American Express National Bank, on XX/XX/XXXX, in response to a written promotion offering a {$500.00} cash bonus. 

The promotion required : Open your first High Yield Savings Account by XX/XX/XXXX. 
Deposit a minimum of {$35000.00} within 30 days of opening the account. 
Hold at least {$35000.00} in the account for 60 days. 

I met all of these conditions. 

My account balance reached {$36000.00} on ( XX/XX/XXXX ), which was within 30 days of account opening ( XX/XX/XXXX ). I have maintained a balance above {$35000.00} continuously from that date through today ( XX/XX/XXXX ). My account statements clearly document the deposits and balances. 

On XX/XX/XXXX and again on XX/XX/XXXX, I contacted American Express regarding the bonus. Representatives XXXX and her manager XXXX stated that although the funds were deposited on XX/XX/XXXX, they were not considered available for several additional business days and therefore I did not qualify. 

The written promotion does not state that deposited funds must be available by a specific date, nor does it define deposit to exclude pending or clearing funds. This condition was never disclosed to me prior to opening the account or making deposits. As a XXXX  American Express High Yield Savings customer, I had no way of knowing or controlling internal funds-availability timelines. 

Why this is a problem : American Express is imposing a material condition after the fact that was not included in the written promotion terms. I relied on the plain language of the offer when opening the account and depositing funds. Denying a promotional bonus based on undisclosed internal processing rules is misleading and unfair. 

What I want : I am requesting that American Express National Bank : Honor the promotion as written, and Credit the {$500.00} promotional bonus to my High Yield Savings Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: OK

Complaint narrative:
The file remains on my credit files illegally. The credit bureaus are not helping. Apparently they just believe what the collection agency says.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Summary of Events Mortgage XXXX Denial I am the current borrower and owner of the mortgage loan referenced in this complaint. I submitted a mortgage assumption application requesting that XXXX XXXX assume full responsibility for the loan. 

XXXX XXXX is the sole assumption applicant. He has an excellent credit profile, with a credit score of approximately XXXX, no revolving consumer debt, no delinquent accounts, and no adverse credit history. His only financial obligation is the outstanding principal balance of the subject mortgage, totaling {$380000.00}. 

Despite this, the mortgage servicer denied the assumption application. The denial letter cited concerns related to financial capacity and obligations ; however, these conclusions were made without conducting a complete financial review. At no point during the application process was XXXX requested to submit income documentation, bank statements, asset verification, tax records, or any other standard underwriting materials necessary to assess his ability to assume the loan. 

As a result, the denial appears to have been based on assumptions rather than verified financial data. The servicer did not provide a clear explanation of the underwriting criteria applied, nor did they identify any specific deficiencies that could be cured through documentation. 

Following receipt of the denial, I contacted the servicer to express concern that the decision did not align with the applicants financial profile and that no opportunity was provided to submit supporting documentation. We have since notified the servicer of our intent to file a formal appeal to the Mortgage XXXX XXXX and have prepared a written appeal requesting reconsideration based on a complete and objective financial review. 

This complaint is submitted due to concerns that the mortgage assumption process was not handled in accordance with standard underwriting practices, lacked procedural fairness, and resulted in a denial unsupported by a documented financial evaluation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
On XXXX, when I logged into my Santander Consumer USA online account, my account displayed a notice stating : Your vehicle has been assigned for repossession due to contractual default. Use the payment link below to pay the past due amount plus fees to avoid repossession. 

This notice was displayed despite the fact that I have not missed any payments, am not past due, and have not breached my auto loan contract. My account did not show a past-due balance. 

I immediately contacted Santander via chat. The representative acknowledged that the repossession notice was displayed in error and confirmed that I was not actually in default. 

I requested written confirmation stating that ( XXXX ) no repossession order was issued, ( XXXX ) the notice was sent in error, and ( XXXX ) no fees or credit reporting occurred. Santander refused to provide written confirmation. 

Shortly after this interaction, my chat history was no longer accessible, and I was logged out of my account. I preserved screenshots and a screen recording of the repossession notice and my account details. 

I am concerned that Santander falsely represented my account as being in repossession status and demanded payment to avoid repossession when no default existed. I am also concerned about whether any repossession activity, fees, or credit reporting occurred as a result of this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: North American Credit Services
State: GA

Complaint narrative:
I am writing in response to your recent communication regarding an alleged debt claimed under the above-referenced account number. I dispute the validity of this debt in its entirety. 

Furthermore, I have reason to believe that my personal and financial information was obtained and/or used by your company through unlawful or unauthorized means. If your agency has acquired or used my data in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), or any other applicable federal or state privacy laws, this constitutes a serious legal breach. I demand a complete and detailed explanation and evidence of how and from whom you obtained my information. 

You are hereby instructed to : XXXX. Cease all collection efforts immediately, including phone calls, letters, emails, and any communication to third parties. 
XXXX. Cancel the debt in question, as it is invalid, unverified, and potentially linked to the unlawful acquisition of personal information. 
XXXX. Provide written confirmation within 30 days that you have ceased all collection activity and have removed any record of this debt from your internal systems and from any third-party credit reporting agencies to which you have reported it. 

Take notice that continued attempts to collect this alleged debt without proper validation, or after receiving this notice, may result in legal action against your agency. I reserve all rights to seek remedies under federal and state law, including statutory damages, attorneys fees, and punitive damages.

This letter serves as formal notice under the FDCPA 805 ( c ) to cease further communication regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My Chase checking account was placed on restrictive status after depositing a Chase check from a Chase customer. They told me to verify the check, I must call them after contacting the check issuer to ensure availability, and they would then call the issuer and verify the check. I was able to successfully perform the task after many tries. The Chase professional who spoke with the check issuer and verified the information but did not record the information and trained. I was told that due to the negligence of the Chase professional who spoke, my account would remain in restricted status and a complaint would be filed on my behalf. The days following, I was met with vitriol, constant disregard, disrespect, and treated like a burden by the fraud prevention department I was instructed to call every day. I was told I have until XX/XX/XXXX to repeat the actions to get the restriction on my account lifted but I was told by the associate XXXX ( extremely rude ) and XXXX ( hateful, unprofessional, attempted intimidation ) that my account was closed an it was all my fault and I would never be able to open a bank account ever again. Not just with Chase, never again were his exact words. The day prior, the supervisor named XXXX had just filed another complaint on my behalf due to another associate being rude and treating me like a common criminal and telling me my account was closed when it was not. The negligence of Chase professionals and lack of adherence to the promise of consideration was grossly violated and as a result, my standing with other financial institutions, reputation and the ability to secure income has been jeopardized..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: TN

Complaint narrative:
I was the victim of a phishing email scam. The vendor posed themselves as an institution I do business with and used my bank information to withdraw XXXX charges from my account : {$290.00} on XX/XX/XXXX at XXXX and {$160.00} on XX/XX/XXXX at XXXX. I called my banks support number at XXXX to block the vendor, inform my bank that I was a victim of scam/fraud, request a new debit card, and file a claim against the unauthorized charges. The claim was denied XXXX hours later on Tuesday, XX/XX/XXXX. No tangible evidence was provided to support the denial. The claim was reopened on Tuesday, XX/XX/XXXX. On todays date, XX/XX/XXXX, the claim was once again denied. No tangible evidence was provided to support the claim. The banking institution is Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stellantis Financial Services US Corp.
State: MD

Complaint narrative:
FIRST INV SERVICING CO is falsely reporting on my credit. I have never had any accounts with them. Per my research FIRST INV SERVICING CO 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 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 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Summary of Issue : LVNV Funding LLC is reporting a derogatory tradeline on my XXXX XXXX XXXX credit files that is inaccurate, unverifiable, and possibly unlawful under both the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Despite my prior disputes, the bureaus continue to report this account without providing full verification or evidence from the original creditor, as required under 15 U.S.C. 1681i ( a ).

Legal Concerns & Violations : Failure to Assure Accuracy 15 U.S.C. 1681e ( b ) XXXX XXXX XXXX must maintain reasonable procedures to ensure maximum possible accuracy of reported information. Reporting this account without proper validation violates this provision.

Unverified Information 15 U.S.C. 1681i ( a ) I have requested verification, yet no supporting documentation ( such as original account statements, charge-off details, or signed agreements ) has been provided. 
Unlicensed Debt Collection Illinois Law / FCRA 1681e ( b ) LVNV Funding LLC acts as a third-party debt collector. If it is not currently licensed with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it lacks authority to collect or report consumer debt in the state. 
Reporting data from an unlicensed furnisher constitutes inaccurate reporting under FCRA.

False or Misleading Representation 15 U.S.C. 1692e ( 10 ) If LVNV represented that it had legal authority to report or collect this debt while unlicensed, this is a deceptive practice under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Product : Credit Card Company : Citibank AmountXXXX I am disputing a {$930.00} credit card charge for a XXXX XXXX purchase. The merchant never shipped the merchandise and provided no proof of delivery. 

The merchant also confirmed in writing via email that a refund would be issued. No refund was ever processed. 

Despite non-delivery and the merchant 's written admission that a refund was owed, Citi allowed the charge to stand. Citi did so without providing proof of delivery or proof of a refund from the merchant. 

Market volatility or XXXX XXXX clauses are irrelevant to this dispute, as this is a non-delivery and credit-not-processed case. 

I am requesting that Citi reverse the charge or provide a written explanation demonstrating compliance with the Fair Credit Billing Act and applicable XXXX dispute rules.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year> I made a payment to American Express in the amount of {$1500.00}. They took the {$1500.00} and tried to take over {$15000.00}. I called them on the XXXX to tell them that the {$15000.00} payment should have never happened and the representative told me not to worry, the transaction would be returned, and if I encountered any fees associated with this, American Express would cut me a check to cover the bounced transactions and/or fees. XXXX days later on the XXXX of XXXX, American Express again tried to take the {$15000.00} which of course didn't go through. I called their customer service just to be told that they can not stop the {$15000.00} from going through and that it would happen again. On XX/XX/XXXX the {$15000.00} was tried again and failed. Then I get an email from American Express that they lowered my credit limit by {$6500.00} which only leaves me {$400.00} of credit. This is a business account. They locked my business checking XXXX  times running the {$15000.00} through, charged me a {$39.00} fee for returned payment and they won't refund it, and now on the XXXX, my card is still locked and they say it is because the {$1500.00} payment I made on the XXXX hasn't gone through yet. It has posted to my American Express account and my bank account. I have been a card holder for over XXXX  years and never missed a payment. This is not a personal account, this is a business account. Lastly, American Express says they will restore my credit limit ( the {$6500.00} ) if I pay {$5000.00} within 60 days. This seems to be something resembling an extortion scam. When you try and talk to a representative all they say is " there is nothing we can do about that '' so what is the point of having customer service? An AI bot can say the same thing and be just as unhelpful. If I had employee cards and an employee went crazy with the card, American Express would do nothing about it and I would be fully responsible for it. If American Express can not stop a charge from going through, they do NOT have full control over their systems meaning they are not in XXXX compliance or XXXX compliance, or XXXX  compliance. This is ILLEGAL and American Express is unethical, has no care for small business, and their customer service, if you want to call it that, is deplorable. They have even locked my points that I have earned over time, and are still declining any transaction that tries to go through 9 days after the first initial event.

Company response to consumer: Closed with monetary relief