vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
This is a Supplement to my previous Complaint advising of my medical condition at the time of closing. 

I am a XXXX homeowner in Texas reporting Financial Elder Exploitation ( Texas Penal Code 32.53 ) and Mortgage Fraud. The lender ( XXXX ) and servicer ( AmeriHome ) utilized a manufactured crisis and my documented medical incapacity to strip {$200000.00} in equity from my home : XXXX. Manufactured Urgency & Medical Incapacity : In XXXX XXXX, the lender created a manufactured " XXXX-day Urgent ' deadline for a closing on a property that was not actually ready for another XXXX weeks. During this critical window, I was medically incapacitated and under the active care of : XXXX XXXX ( XXXX XXXX ) : I was undergoing systemic, total-body XXXX ( XXXX  XXXX ) from my toes to my hairline. This treatment caused documented 'XXXX ' and severe XXXX XXXX. 

XXXX XXXX ( XXXX XXXX XXXX ) : I was being treated for a moderate-to-severe XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX : I was suffering from XXXX XXXX XXXX and XXXX XXXX. 

XXXX. Unmedicated Physical Agony & Cognitive Impairment : Due to the XXXX and the XXXX XXXX medication prescribed by XXXX XXXX, I was strictly prohibited from taking XXXX or XXXX, as they would have caused XXXX XXXX. Consequently, I was forced to navigate complex digital financial documents in a state of unmedicated, high-intensity XXXX, XXXX, and XXXX XXXX. I lacked the legal capacity to understand or consent to the terms of this mortgage and I am not able to remember the documents I signed it any explanation was given. 

XXXX. Gross Income Falsification : While I was in this incapacitated state, the originator ( XXXX XXXX XXXX falsified my Gross Monthly Income on the Form XXXX as {$4300.00}, when my actual verified income was {$3200.00}. This intentional padding of $ XXXX/month was a predatory act to qualify an incapacitated XXXX for a loan that stripped my home equity. 

XXXX. Current Misconduct ( AmeriHome ) : AmeriHome is currently withholding {$2300.00} of my funds and refusing to provide tracking numbers for promised refunds, continuing the exploitation of a senior in medical recovery. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We have a travel rewards business credit card with B of A that we attempted to use while abroad for a medical product. After the transactions were attempted, we were informed that the bank declined the second, larger transaction. I called and spoke with a representative that assisted with the matter and stated that it had been flagged for fraud. During the call, the store XXXX advised that the transaction had gone through. Following the call, he again advised that it in fact did not go through but was again/ultimately declined. I left the store without the product and reboarded the ship, only to later discover that the transaction was pending and then posted. I disputed this and detailed what happened with the relevant department. Our statement has closed with the amount as if we are to be responsible for this transaction.

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 2026-01-08 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am submitting this letter as a formal Notice of Dispute under the PayPal User Agreement regarding ongoing issues with my PayPal Credit account and PayPals platform services. I have identified multiple errors, including incorrect charges, delayed or inaccurate balance updates, and misrepresentation of my promotional financing balances. These errors have directly impacted my financial planning and caused measurable harm.

I have documented the following concerns : 1. Delayed updates to promotional financing balances, charges, and payment allocations.

2. Failure to accurately reflect charges, payments, and/or refunds, resulting in misleading account information.

3. System errors preventing me from monitoring my account in real time. 

I am submitting this letter as a formal dispute regarding a billing error under the Fair Credit Billing Act for my PayPal Credit account. I have identified multiple errors, including delayed or inaccurate balance updates, promotional balances, and misapplied payments. These errors have directly impacted my financial planning and caused measurable harm. 
I have documented the following concerns : 1. Delayed updates to promotional financing balances, charges, and payment allocations.

2. Failure to accurately reflect charges, payments, and/or refunds, resulting in misleading account information.

3. System errors preventing me from monitoring my account in real time.

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 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing a complaint with CareCredit regarding an interest charge of XXXX that was added to my account without proper disclosure. I signed up for a promotional " no interest '' period through a provider and was not informed verbally or clearly in writing that the full deferred interest would be charged retroactively if the balance was not paid in full by the expiration date.This condition was not communicated at the point of sale or explained by the merchant. I did not receive any clear notice that the entire balance would suddenly accrue full interest after the promotional end date. Only after the interest was applied did I learn of this condition. I attempted to resolve this directly with the company. I asked for clarification, requested removal of the interest as a courtesy, and asked for escalation to a supervisor. I was denied assistance through email and was unable to reach a live agent by phone. Their representatives refuse to review the interest charges or escalate the issue, and they continue to state that the interest can not be removed.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Turning Point Solutions LLC
State: CA

Complaint narrative:
I have been receiving multiple call from this company. Harassment behavior and they are disturbing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I purchased my home on XX/XX/XXXX. I was not the owner of the property in XX/XX/XXXX ; however, my mortgage escrow account shows that property taxes for XX/XX/XXXX were paid using my escrow funds. These taxes were incurred prior to my ownership and were not my responsibility. 

This obligation was not disclosed at closing, and I was never informed that I would be responsible for any pre-ownership property taxes. Any such taxes should have been properly prorated and resolved at settlement, not charged to my escrow account after closing. 

In addition, my escrow records show that property taxes were paid XXXX times during XXXX. These multiple tax disbursements caused an artificial escrow shortage and resulted in a significant increase in my monthly mortgage payment. 

My most recent mortgage statement reflects a negative escrow balance of approximately {$3800.00} and a monthly escrow charge of approximately {$2600.00}, increasing my total monthly payment to over {$4300.00}. The transaction history shows a county tax disbursement of approximately {$5300.00} along with other escrow disbursements in a short period of time. 

These actions appear to be escrow servicing and administration errors rather than normal tax adjustments. I contacted the servicer and requested a full escrow audit, documentation of tax payments, and correction of any errors, but the issue has not been resolved. The payment increase has caused financial hardship, and I am seeking correction of the escrow account and recalculation of my monthly 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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am disputing the accuracy and legal validity of a collection account being reported by CREDENCE RESOURCE This company is not the original creditor and has failed to provide competent evidence that it has the legal right to collect or report this alleged debt. 

Despite my disputes, the company continues to report this account without producing : A complete chain of title showing lawful ownership of the debt A copy of the original signed agreement or contract Documentation showing how the balance was calculated, including interest and fees The continued reporting of this account appears to violate the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by furnishing unverified and potentially inaccurate information. 

The company has either failed to properly investigate my dispute or is reporting information it can not substantiate. 

I believe this account is being reported without proper documentation and request regulatory review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: NY

Complaint narrative:
I disputed a charge from XXXX XXXX in the amount of {$1200.00} related to a rental account that was improperly closed and overbilled while I was actively attempting to make payment arrangements. 
Capital One initiated a dispute but later closed it, stating my response lacked required information, without clearly identifying what was missing or addressing the evidence provided. Capital One then allowed the full rebill to post, placing my account over the credit limit by approximately {$700.00}. 
This resulted in : Negative credit reporting A credit score drop The account not being properly marked as in dispute An inaccurate balance and past-due amount being reported Additionally, Capital One posted the rebill the same day it issued a letter stating it would take approximately XXXX days to complete the process, removing my ability to mitigate the damage. 
Despite my willingness to pay the correct amount owed, Capital One failed to reasonably investigate, failed to protect my credit during the dispute, and failed to ensure accurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
An account was open without my knowledge and it's stopping me from opening an account and also they have me in check system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
Never got no emails from this company. Just a text message. The company name is Halsted Financial. They threatened to contact a law firm. I dont even have any money to pay whatever debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
XXXX XXXX Payment Plan Other {$0.00} Status Date Reported XXXX XXXX, XXXX Payment Status Payment Plan Account Status Derogatory Account Details Account Type Line of credit Responsibility Individual XXXX XXXX {$2700.00} Credit Used XXXX  % Available Credit {$2700.00} Highest Balance {$2700.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXX Collateral SLDTO NCB MANAGEMENT Payment Details Date of Last Payment XXXX XXXX XXXX Monthly Payment {$0.00} Payment Frequency Not Reported Worst Pay Status Unknown Lender Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX Remarks Chapter XXXX ; wage earner plan account. 
This account is showing under wage earner plan account. I am no longer under bankruptcy this company NCB Management was under wage order this is false information. This is against the law to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
I have an account with binance.us to custody my XXXX wallet. I have lost access to my account with XXXX usd in it. This happen monday XX/XX/year>. I have contacted them over XXXX times and have open tickets with no response. An XXXX message responded saying they will look into it within XXXX business days. They do not have a phone number or a live customer service rep. Im worried my account has been hacked and i want them to respond or freeze the account until they give me access to it. My bank accounts are tied to this account. My assets are also at risk because i cant move postions in my wallet leaving funds vulnerable that way as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: GA

Complaint narrative:
On XX/XX/year> XXXX XXXX was called and advised that the payments were to high to pay due the interest on the loan was high. Could this be broken down into smaller payments. 
Loan amount was XXXX XXXX was XXXX monthly Asked if XXXX could be paid. I lost my job. 
Answered No via phone and was explained that someone from the courts would serve me paper work on this never tried to work out any payment plans just trying to take me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
This dispute involves XXXX separate fraudulent events totaling {$500.00} processed through my PayPal account. I am a XXXX financial consumer ( Est. XXXX ) with an impeccable record. PayPal has failed to conduct a " Good Faith '' investigation as required by Regulation E, ignoring both forensic carrier data and the fraud determinations of my funding bank.

Event 1 : XX/XX/XXXX ( {$100.00} XXXXXXXX XXXX  ) A perpetrator processed an unauthorized purchase for XXXX XXXX XXXX at a XXXX in Arkansas while I was physically in California. My primary funding bank, XXXX XXXX, investigated this specific session and determined it was 100 % fraudulent, subsequently reversing the {$300.00} portion that hit my bank account directly. However, because {$100.00} was processed through the linked PayPal account, PayPal has refused to acknowledge XXXX XXXX fraud determination and continues to hold these stolen funds. 

Event 2 : XX/XX/XXXX ( {$400.00} XXXX XXXX ) PayPal authorized an international gaming transaction despite forensic proof of a XXXX XXXX. My XXXX XXXX XXXX show unauthorized " SENT '' messages originated from my number to PayPals XXXX XXXX at XXXX XXXX and XXXX XXXX These messages do not exist on my physical handset. XXXX system accepted an intercepted XXXX confirmation from a mirrored/proxy device while I was at work. 

Evidence of Negligence & Statutory Violations : Violation of 12 CFR 1005.11 ( Reg E ) : PayPal has failed its " Burden of Proof. '' I have provided carrier logs proving I did not send the authorization texts. 

Merchant Admission : The merchant ( XXXX ) admitted in writing on XX/XX/XXXX, that the theft was delivered to a " different gamer account '' not associated with me. 

Institutional Failure : PayPal is ignoring a professional fraud adjudication by XXXX XXXX regarding the XX/XX/XXXX session. 

XXXX & XXXX XXXX : This negligence has caused an artificial XXXX drop in my credit score. I am currently signing a XXXX commercial lease and financing gym equipment. This credit impairment will cost my business thousands of dollars in increased interest over the next XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Bank of America responded to my previous complaint by sharing records with me that show that {$5000.00} was transferred out of my account on XX/XX/XXXX. However, I believe that my access to my Bank of America EDD account had been blocked prior to this date, following my request for a new debit card, and I can not find a record of these funds having been transferred into XXXX of my other accounts. I would like to receive detailed information about where these funds were transferred to, or to receive the money back from the company if it can not clarify this information. 

Most recently I submitted another complaint requesting this information in XXXX, yet despite the complaint appearing as closed on the CFPB website, I never received a response directly from the company via email or mail. Further, when I tried to email and call the company via the information provided by the XXXX XXXX Department, I received no response. I am therefore hoping I will receive a response promptly this time.

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 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
An account was open without my knowledge and it's stopping me from opening an account and also they have me in check system.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting a complaint regarding Midland Credit XXXX handling of a disputed collection account originally associated with XXXX XXXX. 

After this account was reported to the credit bureaus, I exercised my rights under the Fair Debt Collection Practices Act by sending Midland Credit Management  a written debt validation request in late XX/XX/XXXX. 

In response, XXXX provided only a copy of a billing statement and a summary page. They did not provide full validation as required by law. Specifically, they failed to provide a copy of any signed contract or application, proof of legal ownership or assignment of the debt, a complete payment history from account opening through charge-off, or documentation establishing the correct date of first delinquency. 

In addition, the account is reported with inconsistent and inaccurate information. The debt is reported as having a date of last payment in XXXX, while also being reported as opened in XXXX. A payment can not occur before an account exists, which indicates inaccurate credit reporting and a failure to conduct a reasonable investigation. 

Despite failing to properly validate the debt and despite the presence of inaccurate reporting, XXXX continues to represent the debt as valid and to furnish the account to the credit reporting agencies. 

Providing a single billing statement does not constitute proper debt validation under the FDCPA and does not resolve the inaccurate reporting under the Fair Credit Reporting Act. This ongoing conduct is causing harm to my credit profile. 

I am requesting assistance to ensure Midland Credit Management complies with federal consumer protection laws.

Company response to consumer: Closed with explanation