vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I sent an email to XXXX stating that I should be entitled to loan relief under the XXXX. XXXX XXXX from Goodleap responded saying, " Thank you for providing a copy of your military orders and for your service. After reviewing your documentation, we've determined that your loan does not qualify for XXXX XXXX XXXX XXXX ( XXXX ) benefits. Your orders show that your were called to XXXX XXXX on XX/XX/XXXX and your loan was funded on XX/XX/XXXX. Because your loan was originated after your were called to active service, it is not eligible for SCRA protections. '' I responded on the same day saying, " I recently inquired about my loan falling under XXXX. I was told it did not qualify because I was already on orders when the loan was originated. That is correct however Ohio law says while on XXXX XXXX order the XXXX you can charge a resident of Ohio which I am, is six percent. Please see ORC 1343.031. On XX/XX/XXXX XXXX XXXX responded via email and said allow 1-2 billing cycles to for the necessary billing changes to take effect. On XX/XX/XXXX I emailed again stating it had been 2 months and no changes to my account had been made. On XX/XX/XXXX XXXX responded saying he apologized for the delay and had escalated my inquiry to the appropriate team for further review. On XX/XX/XXXX I emailed again that I do not see any changes to my account and said I was going to assume that they were not going to comply with Ohio law thru ridiculous delay tactics. I further stated I would be filing a complaint with the Ohio Attorney Generals office if I did not see changes to my account as well as other various regulatory and news agencies. On XX/XX/XXXX XXXX XXXX responded with apologizing for the delay and said he had previously escalated the matter and were actively following up with them to confirm finalization and to ensure the update is processed as soon as possible. I then contacted the Ohio Attorney Generals office and requested help/advice. They responded with recommending I contact the consumer Financial Protection Bureau which is what I have done. I have not heard from Goodleap since the last email stated above nor have any changes to my account been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
On XX/XX/year> a debt from Diversfied Adjustment hit my credit report for {$860.00} dollars. I reach out to this company multiple times about this debt and it was stated that it is from a XXXX account that I previously had. I told the gentleman that I do or did have a XXXX account and that this needs to be removed. I am an XXXX XXXX servicemember and my cell phone provider is XXXX XXXX in which I have been with them for years. The creditor told me that its nothing that I can do but just pay them. I am not sending them money for account that I never had and not only that I am getting emails from a debt collector called XXXX XXXX XXXX XXXX stating the same thing about XXXX but they are stating I owe them a different amount. They are stating that I owe them {$210.00}. so this definitely has to be a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: PA

Complaint narrative:
XX/XX/year> I purchased boots from XXXX XXXX for {$79.00}. The boots were delivered late. The boots are not as advertised. The boots listed are not what I received. I demanded my money back from the seller. They said they would provide a return slip and never did. I disputed the charge with Capital One and they sided with the seller. I disputed again, clarifying my case and they sided with the seller. It is blatantly obvious that the product listed is not the product I received. It is obvious that the seller offered to send a return slip and it was never received. Capital One is not doing its due diligence with the investigation of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding an escrow accounting error on my mortgage serviced by XXXX XXXX ( XXXX XXXX ) and Rocket Mortgage. My loan is currently in the process of being transferred to Rocket Mortgage, but the issue initially occurred while XXXX XXXX was the servicer and Rocket Mortgage has refused to completely fix this. In XX/XX/XXXX, XXXX XXXX conducted an escrow analysis and determined that my account had a surplus of {$2400.00}, which they refunded to me. This occurred around the time my homestead exemption was applied, which reduced my property taxes. In XX/XX/XXXX, XXXX XXXX paid my property taxes from escrow. My records show that the school tax for XXXX XXXX was {$3800.00}, as confirmed by the official tax receipt. However, the servicer disbursed {$6000.00} for the school tax, overpaying the tax authority by {$2100.00}. The taxing authority later refunded the {$2100.00} overpayment, and that refund was deposited back into my escrow account on XX/XX/XXXX. Despite the refund being returned to escrow, my servicer issued a revised escrow analysis that still shows an escrow shortage of approximately {$2100.00}, which is almost identical to the tax overpayment amount. The escrow analysis still lists actual tax paid as {$11000.00}, which appears to reflect the gross tax disbursement rather than the corrected net amount after the refund. As a result, my mortgage payment increased significantly because the servicer is requiring repayment of an escrow shortage that appears to have been caused by their own tax overpayment and accounting treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lakeview Law Group, PLLC
State: NY

Complaint narrative:
I respectfully dispute Lakeview Law Groups statement that I authorized cancellation of my entire program. At no time did I provide written authorization or clearly state that I wished to terminate all services. During phone conversations, I requested removal of certain specific accounts because I needed to communicate directly with those creditors due to lack of response. This was not a request to cancel the entire program. I paid approximately {$10000.00} {$12000.00} into the program with the understanding that those funds would be used to negotiate and complete settlements on my enrolled accounts. While Lakeview states that two XXXX XXXX XXXXXXXX accounts were in active settlement plans, those settlements were not completed. I am not requesting that Lakeview pay my debts using new funds. I am requesting a fair review of the funds already paid into the program and whether the contracted services were fully delivered. If Lakeview asserts that I cancelled the entire program, I respectfully request that they provide documentation or a recording clearly demonstrating my explicit authorization for full program termination. Lakeview further states that written confirmation was sent to me on XX/XX/year> reiterating that they are not responsible for maintaining creditor payment plans after program cancellation. I have carefully reviewed my email records and have no record of receiving this correspondence. I respectfully request that Lakeview provide a copy of the alleged XX/XX/XXXX written confirmation and proof that it was delivered to my correct email address. I am seeking either completion of the agreed settlement services or a fair refund for services not rendered. Additional information provided by consumer : XXXX Complaint should be sent to Lakeview Law Group , PLLC. Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone Number : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I purchased a couch from XXXX XXXX on XX/XX/XXXX and received promotional interest rate of 0 % deferred interest if paid in full within 21 months for the amount of {$2800.00} with financing being serviced by Synchrony Bank. I attempted to pay off the balance in XX/XX/XXXX which is 6 months early based on the promotional terms after making more than the minimum monthly payment and upon review noticed that I have been getting charged interest on this since date of purchase on XX/XX/XXXX. After following up with XXXX XXXX on XX/XX/XXXX and speaking with XXXX in their customer service center who confirmed that in their system that it shows I have 21 months deferred interest, I was instructed that we had to manage this transaction through the bank. I called Synchrony Bank on XX/XX/XXXX and spoke with XXXX agent # XXXX and requested a review of the account stating that this interest is being charged against the signed contract. This review was denied by them on XX/XX/XXXX ; I called again and escalated to a formal review faxing them a copy of the signed contract on XX/XX/XXXX. This was denied again on XX/XX/XXXX. Synchrony Bank is refusing to honor the terms of a signed written contract and is citing an internal 6-month adjustment policy as justification, which does not constitute a valid legal basis for denying contractually agreed deferred interest terms. The total interest wrongly charged to this account amounts to {$1000.00} as of XX/XX/XXXX and has continued to accrue throughout the review process.

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 2026-03-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I recieve about XXXX calls a day. I block the number and they call from another and another. Its gotten to the point where I can not live life normally because of the stress and exhaustion they have caused me at work and at home. Its ridiculous. I'm ready to file legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an account that is currently being reported on my credit report. The account in question shows a balance that has already been paid in full and the account is closed. Because the account has been satisfied and no balance is owed, I am requesting that this account be removed from my credit report immediately. The continued reporting of this account is inaccurate and negatively affecting my credit profile. Please investigate this matter and update my credit report accordingly. If you are unable to verify the accuracy of this account, it must be deleted under the Fair Credit Reporting Act ( FCRA ). I have attached any supporting documentation showing that the account has been paid in full. Please send me written confirmation once the investigation has been completed. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SUN WEST MORTGAGE COMPANY, INC.
State: FL

Complaint narrative:
I requested the documentation for the plumbing lien Sunwest held my modification up for when they already had this information bc they paid the lien of {$2500.00} they paid over {$8000.00} for it in 2023 and made me reimburse them never explaining why they paid that amount when it wasn't that amount they provided you in their response that you closed out of this caused a delay why am I being held accountable when they had this information in house in their files to use to clear the title instead they asked me to document it this company is insane don't you see it. Why did I need to document something they had documentation to support they paid and I reimbursed them whatever amount they said also documented for you but excluded they had paid this debt of over {$2000.00} in an amount over {$8000.00} but held my modification up to have me document it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Sunbit, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, I received a past due notice from Sunbit. I did not know what Sunbit was, so I called the number on the letter. The agent that I spoke to said that this was regarding an XXXX XXXX XXXX credit card. The payment requested was {$50.00}, but the agent said that there was about {$1700.00} charged to the card. The card was opened in my maiden name and using my mailing address, but used a fabricated phone number and email address. The agent said that everything was paperless, which was why I never received a bill until the past due notice was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On dec. XXXX XXXX around XXXX am, I searched for treadmills on XXXX that showed me XXXX at XXXX. A legitimate looking store had no obvious problems and was able to add to cart purchase for {$39.00} and got a purchase receipt. It showed up in bank account as a charge for XXXX XXXX {$39.00} XXXX, XXXX XXXX XXXX Card XXXX XXXX XXXX XXXX XXXXXXXX At XXXX pm that same day I got XXXX charges that I did not purchase. XXXX XXXX XXXX XXXX XXXX - {$78.00}, {$480.00}, {$240.00}, {$270.00}, {$63.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called chime immediately and asked to dispute the charges which of course said I couldn't do anything until it was out of pending. At XXXX XXXX on XXXX XXXX, XXXX. I noticed it was not in pending and called chime immediately and opened a dispute on all XXXX charges that i did not purchase! My card was frozen and a new card was coming in the mail. On Monday XXXX XXXX XXXX called the number for XXXX XXXX XXXX XXXX XXXX XXXX. Left several messages never got a call back. I never received and exercise equipment or dog food! On friday XXXX XXXX XXXX I tried to contact outdoorissimo.com. The website was gone and there was no way to communicate with them at all! Called chime to dispute the charge with outdoorissimo.com for {$39.00}. First rep told me i could not open a dispute on this purchase. Asked for a supervisor and got a dispute open for the charge from XXXX for {$39.00}. Later that day I got the email that claimed that the charges were not fraudulent and would not be reimbursed the money! Called chime to appeal their verdict and was told I could not open an appeal without new information! XXXX XXXX. XXXX XXXX XXXX received an email from chime denying my dispute for the original {$39.00} from outdoorissimo.com ( a site that is no longer available! ) Filed with XXXX XX/XX/XXXX Was told by XXXX since the website is gone they cant do anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX Complaint. The company still has not provided the requested information ; they received XXXX XXXX letters XXXX in XXXX and in XXXX and has yet to validate the debt remove it or provide the information they can not validate the debt and still have sent no response but a statement after XXXX XXXX receive on the XXXX that still does not validate the debt. Per XXXX all the information asked for should be verified and sent, a statement does not valid a debt it should be removed or validated. USC 15, so I need the information I requested which is validation or it needs to be removed. My signature as well as stated in the letters sent twice. I will also be taking this up with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
I am writing regarding my Investor Checking Account, which was closed following a fraud alert placed on my profile. After being notified of the alert, I promptly visited the nearest branch in person and verified my identity with valid government-issued identification, as instructed. I was then directed to submit proof of payment via fax, which I completed immediately. Shortly thereafter, I was informed that my account would be closed and that I would receive a check containing my remaining balance within 79 business days. It has now been approximately 30 days since I was given that timeframe, and I have not received my check. I have also not received a clear explanation as to why my account was permanently closed after I complied fully with all verification requests. As a direct result of this delay in receiving my funds, I was unable to pay my rent on time and have incurred {$400.00} in late fees. This has caused significant and avoidable financial hardship. I am requesting the following : 1. Immediate clarification regarding the status of my check. 2. Tracking information if the check has already been mailed, or immediate issuance of a replacement if necessary. 3. Reimbursement of the {$300.00} in rent late fees incurred as a direct result of the delay in disbursing my funds. 4. A written explanation regarding the closure of my account after identity verification was completed in person. This situation is unacceptable given that I complied fully and in good faith with all instructions provided. I expect a prompt resolution and written response addressing each of the points above. Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation