vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After XXXX year of having the card, I have not missed any payments and I have paid {$5000.00} of the {$13000.00} I transferred, the bank has now lowered my credit limit to the point of 95 % usage. This significantly impacts my credit score. It has gone from XXXX to below XXXX. I can not obtain a consolidation loan or any loan for that matter with such an impacted credit score. This is absolutely predatory lending practices and should be addressed immediately. Please help. If I have made all my payments and have never been delinquent, frequently paying much more than the minimum payment, my credit limit should not be impacted. This has not occurred at my other financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to XXXX USC XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-02-12 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I disputed a transaction timely for a service repair which was determined not provided. I had to have another vendor handle the service from the initial service vendor. I disputed with my credit card because the secondary vendor confirmed it was not done. I disputed with the credit card and they delayed on a response to me and they declined to credit my account. I contacted multiple times via phone calls with bank representative and multiple representatives provided me conflicting information on the dispute determination and status. First I was advised they requested my proof of the secondary vendor and I faxed the request the same day and I advised I was never advised this was requested prior. I contact back after I was advised to allow 2 weeks, I provided 3 weeks. Now the representative advised it was declined and closed because I made the purchase in person. I was traveling and had no choice to purchase in person. The work was found to have failed when the repair failed and the secondary vendor confirmed it had failed. 
The bank failed to address my dispute appropriately and has to date not resolved my dispute. I have submitted the documents requested by the bank to open a reinvestgation and it was not done. 
I requested escalation to a manager and it was declined by the representative. 

I have exhausted multiple attempts to resolve a dispute that is protected by the credit card agreement terms and conditions. 

The bank has failed to properly handle my dispute and is refusing to address my concerns and demand assistance and escalation to executives with the bank to assist with the failure of bank representatives. 

I have requested to review all my options and was refused by bank representatives.

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 2026-02-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: NC

Complaint narrative:
b'I am writing regarding Dispute Claim XXXXXXXX  for unauthorized transactions totaling $XXXX on my U.S. XXXX  unemployment prepaid card.\n\nI want to clarify the following:\n\nThese transactions were unauthorized. This is a government-issued unemployment card, and I do not have receipts because I did not authorize or participate in these purchases.\n\nUnder Regulation XXXX  (XXXX  CFR XXXX), a consumer is not required to provide merchant receipts to validate an unauthorized electronic fund transfer. The obligation to investigate rests with the financial institution.\n\nAdditionally, I reported this dispute on XX/XX/XXXX, XX/XX/2026. More than XXXX  business days have now elapsed without provisional credit being issued.\n\nPer Reg XXXX, when an investigation cannot be completed within XXXX  business days, U.S. Bank is required to provide provisional credit for the disputed amount while the investigation continues.\n\nRequesting receipts for unauthorized transactions and delaying provisional credit constitutes unreasonable delay and may qualify as unfair or deceptive under XXXX  standards.\n\nTo be clear:\n\n These charges were unauthorized\n Receipts are not required for Reg XXXX  disputes\n The 10-business-day provisional credit window has passed\n Provisional credit is now due immediately\n\nPlease issue provisional credit for $XXXX without further delay and confirm in writing.\n\nIf this matter is not resolved promptly, I will escalate through CFPB and applicable regulatory channels for Reg XXXX  noncompliance.\n\nThank you for your immediate attention.XXXX XXXX XXXX Claim XXXX number XXXX XXXX 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 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV

Complaint narrative:
On XX/XX/year>, Fifth Third Bank froze all access to my personal checking account without prior notification. The trigger was the deposit of an expired credit card promotional check from my own account. I have already provided the bank with proof of the check 's origin and validity as requested. 

Despite cooperating fully, the bank has engaged in Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) : Deceptive/Abusive Trap : After the check issue arose, a branch teller explicitly advised me to move external funds into this account to cover a resulting overdraft. I complied and transferred personal funds from another source. Immediately after relying on this advice and depositing these clean funds, the bank froze the entire account. They have now trapped not only the disputed check amount but also my undisputed personal funds. 

Incompetence/Delay : I have visited the branch 5 times and received 4 calls from the XXXX Department XXXX The XXXX Department is asking repetitive questions already answered days ago. Branch staff repeatedly promised resolution " by tomorrow '' ( Mon, Tues, Wed ), while XXXX now states it will be " next week. '' Severe Financial Harm : This freeze has caused approx. {$1000.00} in scheduled ACH bill payments to be wrongfully dishonored. I have two children and no access to funds for groceries because the bank induced me to transfer my remaining liquidity into this now-frozen account. I am experiencing a severe financial hardship due to the bank 's apathy. 

The document I am uploading is the only thing the fraud department requested to prove I owned the credit card account that the check was linked to. I provided this to them within minutes of it being requested. 

I can not provide an account number because I receive all statements online and I have been locked out of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
I am filing this complaint against Shellpoint Mortgage Servicing due to systemic mismanagement of my escrow account and repeated misinformation provided by their staff. For approximately 1.5 years, Shellpoint has maintained a surplus escrow charge for homeowners insurance that I have been paying independently. Despite Shellpoint 's internal policy suggesting direct resolution, my experience indicates a pattern of obfuscation that necessitates regulatory oversight.

Timeline of Events : XX/XX/year> : Submitted a formal request via the customer portal to remove homeowners insurance from the escrow calculation, as I pay the premium directly. No action was taken. 
XX/XX/year> : Coordinated with my insurance provider to send a formal invoice to Shellpoint to reconcile the accounts. 
XX/XX/year> : Manually uploaded the insurance invoice to the Shellpoint portal to ensure receipt. 
XX/XX/year> : Contacted Customer Service. The representative confirmed receipt of the invoice and assured me the insurance department would facilitate the necessary adjustments. 
XX/XX/year> : Conducted three separate calls with conflicting results : o Call 1 : An unnamed insurance representative stated that I must contact the " Escrow Department '' to authorize Shellpoint to pay the insurance and noted that no records existed of my XX/XX/year> call. 
o Call 2 ( Rep : Jumers from customer service ) : Claimed the " Escrow Department '' does not exist. The representative also provided false information regarding department hours, claiming the insurance department was closed at the current time of the call of XXXXXXXX XXXX XXXX despite their XXXXXXXX XXXX XXXX closing time. 
o Call 3 ( XXXX : XXXX from insurance ) : Confirmed that previous representatives had provided incorrect guidance. XXXX stated that customer service should indeed be able to remove the insurance from escrow and claimed she would initiate the request. 

Conclusion : Shellpoints internal record-keeping is insufficient, and their representatives provide demonstrably false information to avoid resolving escrow overages. At the time of this complaint, my request is still not resolved.

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 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Kovo
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding Kovos installment line of credit product. The product was marketed in a way that made it appear significantly more beneficial and straightforward than it actually is.

The way the installment line of credit was presented suggested a low-risk, highly advantageous credit-building opportunity. However, key details regarding how the product functions, associated fees, reporting practices, and repayment structure were not clearly or prominently disclosed at the time of enrollment.

The marketing gave the impression that the product would provide meaningful credit benefits without clearly explaining the limitations and costs involved. In my experience, the product did not function in the way a reasonable consumer would expect based on the promotional messaging.

I believe the disclosures and advertising may be misleading or insufficiently transparent. I am requesting that Kovo provide a full written explanation of their installment product, clarify all associated costs and reporting practices, and provide an appropriate remedy, including consideration of a refund if the product was misrepresented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I am only writing here as I really need some help. I submitted a XXXX  ( XXXX XXXX  ) case on XX/XX/XXXX. I was granted forbearance during that time, confirmed by an email I received. After that XXXX submission, a correspondence was supposed to be sent to the loan servicer, EDFinancial, to grant the forbearance until the XXXX case was decided. I assumed all of this happened until in XXXX of XXXX I received an email from EDFinancial that my payments would start in XXXX of XXXX. I checked the status of the XXXX  case and it was still in review, so I called EDFinancial offices to see what the issue was. The EDFinancial office told me I need to call the Federal Student Aid offices and the Federal Student Aid office told me to call EDFinancial offices and that has repeated multiple times with many unreturned phone calls. I have called many times, and had some email correspondence via the submit feedback option on the website. Via the email I was told to call the XXXX  hotline, who was no more help than the regular XXXX XXXX XXXX staff. XXXX XXXX XXXX has told me the correspondence for forbearance was sent, but EDFinancial is saying it was never received. I have asked XXXX XXXX XXXX to just resend the correspondence but they will not do that and have most recently told me to file another XXXX case now which seems ridiculous, and also seems like something that might cause issues later. I am going to follow XXXX at XXXX XXXX XXXX recommendation to file a new case, I do not believe this is the best option but I will try. 
I am just looking to get an issue resolved so can you please help me with this. If you need any more information please let me know. My XXXX  case number is XXXX, you have my email address now and my cell phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
In the beginning of XXXX I told capital one that the only convenient method of communication is through usps and to longer call me. They continue to call me over 10 times text and email me. I have mental and physical XXXX. I feel like im being harassed by them. All phone calls are recorded when you talk to them. They should have stop calling me when I told them to stop. I would like a resolution for my rights being violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I purchased a XXXX XXXX on XX/XX/XXXX and secured a car loan from Bank of America. The loan was fully paid off in mid XXXX. Recently I sold the car and after checking personal documents I found I only had a memorandum title showing the B of A lien. 
Since I knew the loan had been paid off I proceeded to the Ohio XXXX XXXX XXXX and was informed B of A never released the lien. I then proceeded to the XXXX OH B of A branch and they called the Auto Loan department. I was told that yes the loan had been paid off in XXXX but it was my responsibility to get it released with a letter stating such facts that I never received. I was informed they could send another letter but it would take 10 days to receive. This I consider to be an unacceptable response. 
I would think since they are the ones who filed the lien they are the responsible party to remove it. They could easily do so by contacting the same state officials they did when they filed it. Why is it my responsibility to correct a cloud on title when I am not the one responsible for originally filing it.

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 2026-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I am filing a complaint against Sequium Asset Solutions , LLC regarding their refusal to provide written settlement terms before requesting payment on an alleged debt. 

I contacted the company in good faith to resolve the account and offered a lump-sum settlement of {$6500.00} by XX/XX/2026. During a phone conversation, a representative verbally agreed to the settlement terms and encouraged me to proceed with payment. However, when I requested written confirmation of the agreement, the company refused and stated that the phone call being recorded should be sufficient. 

A recorded phone call does not meet my expectations or provide adequate legal protection. I can not make payment without written documentation confirming the settlement and credit reporting terms. 

Requesting payment after verbally agreeing to settlement terms but refusing to provide written confirmation creates a serious risk of consumer harm. Without written documentation, there is no proof of the agreed settlement amount, no confirmation the account will be considered settled in full, and no confirmation of how the account will be reported to the credit bureaus after payment. 

I am willing and able to resolve this account immediately once written confirmation is provided. 

I am requesting that Sequium Asset Solutions provide written documentation on company letterhead that includes : The agreed settlement amount Confirmation the account will be considered paid/settled in full Confirmation of how the account will be reported to all credit bureaus after payment Until written confirmation is provided, I can not safely make payment. 

I am seeking assistance in obtaining proper written documentation so this matter can be resolved responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened a new business checking account for my business XXXX XXXX XXXX in person at the Truist Branch in XXXX XXXX, NC ( XXXX XXXX ) a few months ago. I brought a coupon code that was supposed to give me {$400.00} for making {$2000.00} in deposits within the first 30 days, which I did. The bonus never arrived and when I went back to inquire, they just said they could see it pending on their end, but nothing was ever resolved.

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 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Hello there My monthly payment has increased from {$1900.00} to {$2500.00} which was a big surprise for me to pay new amount. I called my lender but they didnt give me convenience answer, can you please take a look at my documents and advise me what to do because even I work extra days but I am not able to make $ XXXX The mortgage says they have paid two insurances last year and now they got on me to compensate their payment.

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 2026-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am submitting this complaint regarding Reference- ( # XXXX ) for continued debt collection activity by LVNV Funding LLC and its servicers despite prior written disputes, a formal debt validation request, and a subsequent failure-to-validate/cease and desist collection notice. On XX/XX/XXXX, I sent a written debt validation request regarding this account to the then-servicer, XXXX XXXX, which was received on XX/XX/XXXX via certified mail. On XX/XX/XXXX, Resurgent Capital Services LP responded with what they claimed was verification of debt consisting only of an in-house account summary created by Resurgent and an old credit card statement. These materials did not include proof of assignment, chain of title, or documentation establishing LVNV Funding LLCs ownership or legal authority to collect or report the account. On XX/XX/XXXX, I sent a written failure-to-validate notice and cease collection demand after determining that the materials provided did not constitute proper validation of the alleged debt or proof of lawful ownership. On XX/XX/XXXX, Resurgent sent additional copies of the same type of in-house summaries and statements without providing the requested ownership or assignment documentation. 

At the time of these disputes, the account had been reported on my consumer credit reports but was later removed or suppressed from my visible reports. Despite the prior validation dispute and failure-to-validate notice, on XX/XX/XXXX I received new collection correspondence from XXXX XXXX XXXX attempting to collect the same alleged debt on behalf of LVNV Funding LLC. This continued collection activity occurred after written notice disputing the debt, after a failure-to-validate notice, and without providing documentation establishing chain of title, proof of assignment, or legal authority to collect. The ongoing transfer of the account between servicers and continued collection attempts without proper validation have caused confusion and ongoing consumer harm. I am requesting that the collector cease all collection activity and confirm that this account will not be further collected, transferred, or re-reported unless and until proper legal validation and ownership documentation are provided.

Company response to consumer: Closed with explanation