vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 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: Healthcare Finance Direct LLC.
State: MD

Complaint narrative:
Issue : Unexpected interest charges/ billing dispute Company : Healthcare Finance Direct Complaint : I am filing a complaint regarding deferred interest charges applied to my account under a promotional 0 % financing agreement. I entered into this agreement through a dental provider and was enrolled in automatic monthly payments of {$210.00}. I made every payment on time over the full 18-month period. As of XX/XX/XXXX, my balance was approximately {$460.00}, and after my scheduled payments, I believed the balance was nearly paid in full, with approximately {$27.00} remaining. I was later informed that because the balance was not paid in full by the promotional expiration date ( XX/XX/XXXX ), over {$1000.00} in retroactive interest was added. I am disputing these charges for the following reasons : I did not receive any monthly billing statements, emails, or written correspondence throughout the life of the loan after the initial agreement at the dental office I was not provided with instructions or access to an online account to monitor my balance or promotional terms I was never clearly informed that the scheduled payment amount of {$210.00} would not satisfy the balance within the promotional period The company has stated that a higher payment amount ( {$230.00} ) was required, but this was never reflected in my billing or communicated to me during the loan term I reduced the balance to approximately {$27.00}, demonstrating clear intent to pay in full I was also charged a {$25.00} fee related to a XX/XX/XXXX payment without any prior notice of a failed transaction Despite raising these concerns directly with the company, they have not addressed the lack of billing statements, lack of account access, or inadequate disclosure. I am requesting : Removal of all deferred interest charges Reversal of the {$25.00} fee Adjustment of my account to reflect only the remaining principal balance I believe the companys billing practices and lack of communication prevented me from reasonably meeting the terms of the promotional agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: EdFinancial Services
State: NJ

Complaint narrative:
Dear to whom it may concern, I have been attempting to secure loan forgiveness for several years due to my financial circumstances. From EDFINANCIAL, I have not received any updates regarding my application. It is worth noting that the institutions I sought forgiveness from have since ceased operations. These schools are no longer in operation. I am considered XXXX XXXX I make less than {$20000.00} a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: FL

Complaint narrative:
I am filing this complaint regarding XXXX handling of my prior CFPB complaints ( Complaint Numbers XXXX and XXXX ). XXXX has refused to investigate my billing dispute on the basis that the complaints may have involved or been submitted by an unauthorized third party. However, XXXX has failed to provide any reasonable, accessible, or functional mechanism for me, the account holder, to verify my identity or provide such authorization. I have made multiple attempts to resolve this issue by contacting XXXX directly. Their frontline customer service representatives are unaware of the CFPB complaint process and have been unable to route me to the appropriate department. As a result, XXXX has created a situation in which it can indefinitely avoid addressing a valid billing dispute by imposing procedural requirements while simultaneously denying any practical means to satisfy those requirements. This constitutes a de facto refusal to investigate. I explicitly confirm that I personally filed the prior CFPB complaints and I authorize XXXX to investigate, discuss, and resolve the matter with me. I am willing to verify my identity through any reasonable and standard method. This matter concerns a billing dispute governed by the Fair Credit Billing Act. Under this law, XXXX is required to conduct a timely and good-faith investigation of disputed charges. Their current conduct ( failing to investigate while relying on an unworkable authorization process ) raises serious concerns regarding compliance with these obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I got an alert with my XXXX XXXX on XX/XX/year> stating that I had a hard inquiry XXXX hit my credit. Someone applied for a Lowes credit card with synchrony bank. So I had to call lowes and synchrony to dispute and cancel it and got shuffled around to several people and every time I called after that, they acted like they had no record of anything, never filed despite and never canceled application. And had no info on what happened

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 2026-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The vehicle that I was sold XXXX months, the engine went out, causing me to have it in the shop after they said the car was not going to have any problems. Just let me believe that I will sort it lemon that caused me to go in bed cause I had to buy rental cars plus paid a car loan

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 2026-04-23 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: PA

Complaint narrative:
I disputed a {$13000.00} travel charge because no services were rendered. On XX/XX/year>, I was unable to travel due to a government airspace shutdown and the trip did not occur. The hotel provided no stay and no refund, only a restricted credit that is not equivalent. I also purchased travel insurance, which has now been formally denied. The XXXX Insurance Department completed its review and confirmed no benefits are payable, leaving a total loss. I requested that Barclays reopen and reclassify the dispute under XXXX Reason Code 4855 ( services not rendered ) based on this new evidence. Barclays has not provided a way to submit additional documentation or confirmed a proper re-review. No trip, no service, no refund, and no insurance payout were received. The transaction resulted in zero benefit and should be reversed.

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 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Zip Co US Inc.
State: NY

Complaint narrative:
i had a bill due for XXXX through creditor zip it was paid off Nailed it! Another payment down. Order XXXX XXXX XXXX Date XX/XX/year> Payment {$67.00} XXXX XXXX from zip sent email confirmation of paid payment XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company closed my account and put me at a negative balance. After I was a victim of fraud. I was scammed and funds were fraudulently stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year> and XX/XX/XXXX, I attempted to make payments on my Capital One credit card account using my credit union savings account ( XXXX ). Both payment attempts were returned because XXXX does not allow ACH withdrawals from savings accounts for external payments. This was not due to insufficient funds. At the time of these attempts, I was not aware of this restriction. I have an existing credit line with my credit union and routinely make payments from my savings account without issue, so I reasonably believed external payments would function the same way. After confirming the issue with my credit union, on XX/XX/year>, I made a successful payment using another bank account, paying my balance in full ( approximately {$250.00} on a {$300.00} credit limit account ). The payment was processed and cleared successfully. At the time the payment was made and cleared, my account was not past due, and my payment due date was not until XX/XX/year>. The account was effectively brought current with a XXXX balance. Prior to these events, my account had never shown as restricted. On or after XX/XX/year>, after the successful payment was processed and withdrawn, the account status in the Capital One app changed to restricted. I was not informed that my account was at risk of closure or that closure was imminent regardless of payment. On XX/XX/year>, I contacted Capital One after noticing that my account had been closed. This occurred after the successful full payment was accepted, and the account status had changed from restricted to closed without prior notice. I contacted Capital One multiple times and was advised to call back after the payment cleared and request a review, which I did. A request for reconsideration was submitted. However, Capital One has not provided a clear explanation of : - Why my account was closed after my successful full payment - Whether Capital Ones decision to close the account was made prior to my payment - Why I was not informed that my account was at risk of closure This sequence of events prevented me from making informed financial decisions and resulted in a reduction of my available credit and potential negative impact to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing this complaint against Wells Fargo because the bank is failing to provide me with access to my credit card account statements, preventing me from reviewing my financial records and verifying my transaction history. I hold a Wells Fargo XXXX XXXX XXXX ( formerly Wells Fargo XXXX XXXX XXXX XXXX ) ending in XXXX. When I log into my Wells Fargo online banking portal and navigate to the " Statements and Disclosures '' section, the system fails to populate my statement history. Specifically, when I select the time period for the year XXXX, the portal returns an error message stating : " You do not have any statements for the selected period. '' As an active or recent account holder, I am entitled to receive and review my periodic account statements. The inability to access these documents online indicates a severe system error or a restriction placed on my account access without proper justification. Consumers rely on these statements for tax purposes, budgeting, and identifying potential billing errors or fraudulent charges. By withholding access to these records, Wells Fargo is preventing me from managing my finances securely. I have attached a screenshot of my online banking portal showing the error message and the lack of available statements for the selected timeframe.

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 2026-04-23 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: WA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX credit card because they are not helping me with the fraudulent charge of {$220.00} that was made on my card. I have filed a claim and have spoken to BoAs representative but nothing has come of it. The details of my complaint is cited below. RE Fraud Claim : Bank of America - XXXX XXXX XXXX XXXX XXXX Claim ID XXXX Claim amount {$220.00} Claim opened XX/XX/year> Hello, I am writing to let you know that a fraudulent transaction of XXXX. XXXX appears on my account. I have a subscription with XXXX for the amount of {$22.00} but I have other subscriptions with other XXXX subscriptions. The charge of {$220.00} is fraudulent. It is not a charge I recognize or will allow. Please remove this charge from my account and send me a new card with a new account number. I am also contacting the AGs office of my state to report this claim. Thank you, 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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: OH

Complaint narrative:
In XX/XX/XXXX, I paid {$5000.00} and {$3000.00}, and in XX/XX/XXXX I paid an additional {$4000.00} totaling {$12000.00} for the following services : credit repair, tradeline additions, auto and home loan assistance, and access to US Treasury funds. Of the total {$12000.00}, {$3000.00} was processed through my Current Bank account. None of these services were ever delivered. I was repeatedly given delays and reassurances with zero results. Communication became inconsistent and eventually unresponsive. On XX/XX/XXXX, after receiving nothing for nearly 9 months, I was told NO services would be completed unless I signed a NEW agreement introduced AFTER full payment was already made. This new agreement was designed to eliminate my ability to dispute the transactions. I refused to sign. This constitutes fraud in the inducement. Collecting upfront fees for credit repair violates the federal Credit Repair Organizations Act ( CROA ), 15 U.S.C. 1679. The promise of US Treasury fund access is a well documented fraud scheme. Current Bank denied my dispute without written explanation. I am requesting full reversal of {$3000.00}, immediate escalation to the fraud department, and a written explanation for the prior denial within 5 business days. Supporting documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
b'I am filing this complaint against Brock & Scott, PLLC for violations of the Fair Debt Collection Practices Act (FDCPA) in connection with their collection efforts on behalf of XXXX XXXX XXXX XXXX (XXXX XXXX District Court Case No. XXXXXXXX).\nI sent three (3) written debt validation requests to Brock & Scott via certified mail:\n1st Request: XXXX XXXX XXXX - sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX2nd Request: Delivered XXXX XXXX XXXX - sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX) - I have a signed green return receipt card confirming delivery\n3rd Request: XXXX XXXX XXXX - sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX)\nBrock & Scott responded only with generic billing statements. This does NOT constitute proper validation under 15 U.S.C. 1692g(b). They failed to provide a signed credit agreement, proof of assignment, or any documentation establishing my legal obligation.\nDespite providing inadequate validation, Brock & Scott continued prosecuting the lawsuit. The case initially went to arbitration, where I lost. I appealed the arbitration award and requested a bench trial.\nAt the bench trial, Brock & Scott and XXXX XXXX XXXX XXXX FAILED TO APPEAR. As a result, the court DISMISSED THE CASE.\nAfter the dismissal, I sent Brock & Scott a follow-up letter demanding they cease all collection activity and remove any negative credit reporting. They have not complied.\nTo summarize: Brock & Scott pursued collection against me, failed to properly validate the debt despite three certified mail requests, continued litigation, and then ABANDONED THEIR CASE by failing to appear at trial. This demonstrates they could not support their claims.\nI am a 100% service-connected disabled veteran. I am requesting that Brock & Scott be investigated for FDCPA violations and held accountable for their unlawful collection practices.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX XX/XX/XXXX a fraudulent forgedunsignedcheck was cashed fromour checking account ending in XXXX ( currently inactive and frozen by CITIZENS BANK after the fraudulent transaction ) of {$17000.00} was made. The check was made out to XXXX XXXX XXXX XXXX. The fraudsters had digitally made an image of our check and scrubbed our name & address off the top left corner of our check and then substituted a Fraudulent name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In place of our signature was a typed message saying VERBALLY AUTHORIZED BY YOUR DEPOSITOR. It is remarkable that CITIZENS BANK XXXX XXXX allowed the {$17000.00} check to be cashed with the XXXX XXXX XXXX XXXX. A shady transaction which never should have been allowed ( SEE ATTACHED PDF OF FORGED CHECK ) Our bank manager XXXX XXXX ( XXXX ) was very helpful and we filed a claim on XX/XX/XXXX with ( CITIZENS BANK - Claim # XXXX ) To this day, XX/XX/XXXX 4 MONTHS LATER we have not been reimbursed with a PROVISIONAL CREDIT while CITIZENS BANK resolves this with the XXXX XXXX XXXX. We phoned the CITIZENS CLAIMS DEPT. dozens of times ( 3 or 4 times a week ) since XX/XX/XXXX, with no resolution. CITIZENS CLAIMS DEPT. ADMITS THIS WAS A FRADULENT TRANSACTION BUT THEY HAVE NOT GIVEN US A PROVISIONAL CREDIT. We spoke to CITIZENS CLAIMS DEPT. SUPERVISORS MULTIPLE TIMES : The following are some dates : XXXX, XXXX, XXXX. XXXX ( NOTE : ALL THE SUPERVISORS ADMITTED THIS WAS CLEARLY A FRADULENT TRANSACTION ) We keep hearing that even that they are sure this was a fake transaction, the XXXX XXXX XXXX has not completed their investigation. We have asked for a PROVISIONAL CREDIT credit again and again that is not yet granted. Also this situation has caused us additional and considerable hardship 1 ) We had to withdraw funds from our Brokerage account to pay our FEDERAL & PENNSYLVANIA STATE TAX obligations. We didnot want to use those funds by selling those assets.. 2 ) We also had to change our AUTO PAY ( Automatic Bill payments ) which were tied to the original account which was difficult and took a lot of time.. 3 ) We had to pay penalties for late payments because the Account was frozen ( Because Citizens bank had frozen our previous account ending in XXXX ). Thanks for your attention.. XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I have a Wells Fargo Active Cash credit card opened in early XXXX. On XX/XX/year> I submitted a payment of {$2400.00} from my checking account. The payment posted and cleared from my checking account on XX/XX/year>, over a week ago as of this filing. Wells Fargo has placed a 13-day hold on the available credit despite the payment having fully cleared. I have never been late on this card or any card. I called Wells Fargo on XX/XX/year> and on XX/XX/year>. I requested a manual release of the available credit and was refused. I escalated to a supervisor and was again refused. I filed an internal complaint on XX/XX/year>, reference number XXXX. I moved all of my household bills to this card. The hold has caused auto-pay declines on household bills. Wells Fargo is holding available credit on a payment that has already settled, from a verified funding source, on an account with a clean payment history. There is no risk-based justification for a hold of this length under these conditions. I am requesting that Wells Fargo release the available credit immediately and review their hold policy for cleared payments from verified funding sources on accounts in good standing.

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