vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Lela Mae Portfolio Management Group
State: VA

Complaint narrative:
I was contacted by Lela Mae Portfolio Management llc about a debt that was bought by them from XXXX XXXX. Back in XX/XX/XXXX( to the best of my knowledge ) XXXX XXXX was banned from legally operating in the XXXX XXXX Virginia due to predatory loan practices with exorbitantly high interest rates. I contacted the Attorney General of the XXXX of Virginia in reference to this matter and was informed that I wasn't responsible for that debt since they weren't allowed to operate legally in Virginia. These emails I've received from Lela Mae Portfolio Management llc have been constantly appearing in my email account. They are engaging in high pressure tactics and causing me extreme stress and anxiety. This account was charged off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
In XX/XX/year> I paid off the entire CareCredit balance in full. XXXX weeks later, I left my former partner due to abuse and was currently in a XXXX  XXXX situation and in retaliation for leaving him he fraudulently reversed the payment. I was not notified that the payment was reversed. A month later, I had to take my animal to the vet and tried to use my CareCredit card and that is when I found out that the account was closed because he fraudulently reversed the payment resulting in an outstanding balance. 
Ive been trying to resolve this problem with them ever since and Ive yet to get it resolved. There is still a balance of {$440.00} owed on the CareCredit account and Ive been making on time monthly payments just to avoid it affecting my credit score even though originally I paid the amount in full. I explained to CareCredit the XXXX  XXXX situation that happened but they would not help me. I will attach the court document stating that my ex fraudulently reversed the payment and that he was supposed to correct it with the bank in order to satisfy the debt. I will also attach a receipt showing that the account was paid in full back in 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 2026-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Subject : Improper Interest Charges on Purchases Despite Full Payment Promotional Balance Transfer Misapplied On XX/XX/year>, I used a XXXX promotional balance transfer offer at XXXX  % APR to transfer {$10000.00} to my Chase credit card. 

After the balance transfer, I continued to use the same credit card for regular purchases. I was fully aware and repeatedly confirmed with Chase customer service that under federal credit card payment allocation rules, payments must be applied first to balances with the highest APR, and then to lower-APR promotional balances. 

Each month, I paid my purchase balances in full. Despite this, Chase repeatedly charged purchase interest at approximately XXXX % APR, even though no purchase balance should have remained after my payments. 

Every time this occurred : I contacted Chase Chase representatives acknowledged the charge as an error The purchase interest was reversed Before making payments, I explicitly called Chase every month and asked exactly how much I needed to pay to avoid purchase interest. I paid the amounts quoted by Chase agents. 
Despite this, purchase interest continued to be charged. 

In the most recent month : A Chase agent removed the interest charge again I was told that paying {$890.00} {$900.00} would prevent purchase interest the following cycle I paid {$920.00} Chase still charged purchase interest again Today, for the XXXX  time after XXXX months, a Chase representative told me that simply having an active promotional balance transfer automatically causes all new purchases to accrue interest immediately at the purchase APR, even if those purchases are later paid in full. 

This explanation is : XXXX. Contradictory to what multiple Chase representatives told me previously XXXX. Inconsistent with how balance transfers work at other major credit card issuers XXXX. Not disclosed clearly or accurately at the time the promotional offer was accepted XXXX. Incompatible with federal payment allocation rules, which require payments to be applied first to higher-APR balances If purchases are paid in full, Chase can not continue charging purchase interest solely because a promotional balance transfer exists, while simultaneously claiming that payments are applied first to the highest APR balance. These XXXX positions are logically and contractually incompatible. 

Had this policy been clearly disclosed, I would never have used this promotional offer, as it effectively penalizes normal card usage and defeats the purpose of a balance transfer promotion. 

I believe Chase has : Improperly applied interest charges Failed to provide clear and accurate disclosures Provided inconsistent and misleading information over multiple billing cycles

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is my primary financial institution, has been for XXXX  years. Recently I had identity theft. I contacted them in branch and online XXXX and XXXX weeks ago to update my new email address and phone number. To which initially they tried to verify my account to my old phone number and old email, even after explaining my phone with those accounts/number are not accessible and any information they send to those will just be provided to the hackers. At the branch, after providing my identification I was told XXXX to XXXX hours, never happened. Have been in XXXX different branches XXXX times and called an uncountable number of times. I still can not get into my account. Now they are advising me it can take up to XXXX  days for the system to update my new information and allow online access. So I can not see if additional fraud charges are happening and I can not pay my online bills that will not take cash or a check, which is all I can get if I go in the branch. I have brought all my identification in the branch several times, I do not understand why they will not unlock my online account so I can see what is happening and be able to pay my bills that will not take cash or checks. I have an excellent XXXX XXXX but I'm about to have my XXXX late payment because of this situation. Due to all the complications I'm having I have scheduled an appointment on the XXXX to close all my accounts... hopefully they let me. I don't understand how a banking intuition can put you in this situation blocking you to full use of your funds. I also have XXXX XXXX  but I do not actively use those accounts and they are not sufficiently funded for what I need done, but when I went into my local branch, showed my XXXX, they updated everything, issued new cards on the spot and I have full access to my account. What's the difference?? In my XXXX Bank of America is holding my money hostage and have no resources for special circumstances, have been very rude to me and I think they are too big to care about XXXX member 's needs!!

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 2026-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems , LLC is reporting and attempting to collect an alleged debt in the amount of {$690.00}. This account is being reported as an open collection, yet no original creditor is identified on my credit reports. 

I disputed this account and requested validation. Despite my dispute, Jefferson Capital continues to report this account without providing proof that I am legally responsible for the debt, including a signed agreement or contract, complete itemized billing statements, proof of lawful ownership or assignment, identification of the original creditor, or verification of the correct Date of First Delinquency. 

Reporting a collection account without identifying the original creditor and without proper validation constitutes inaccurate and misleading credit reporting and an attempt to collect a debt not owed, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

I am requesting that Jefferson Capital Systems , LLC either provide full validation of this alleged debt or delete the account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX XXXX about a debt that was bought by them from Cashnet USA. Back in XXXX ( to the best of my knowledge ) Cashnet USA was banned from legally operating in the State of XXXX  due to predatory loan practices with exorbitantly high interest rates. I contacted the Attorney General of the State of XXXX  in reference to this matter and was informed that I wasn't responsible for that debt since they weren't allowed to operate legally in Virginia. These emails I've received from XXXX XXXX XXXX XXXX XXXX have been constantly appearing in my email account. They are engaging in high pressure tactics and causing me extreme stress and anxiety. This account was charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Federated Student Loan Services
State: MD

Complaint narrative:
I submitted additional documentation requested to XXXX in XX/XX/XXXX for my XXXX XXXX XXXX XXXX. Since then, I have connected with multiple agents via chat who stated it was still under adjudication including XX/XX/XXXX and XX/XX/XXXX. I have proceeded to complete the process again when the agent from XX/XX/XXXX stated it would be best to delete the previous request. Now my payment went from {$350.00} a month to over {$900.00} with no reason.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
my husbands debit card was stolen he called the bank asked for a new debit card the bank said they needed to cancel his card but they canceled mine said they would order him a new one but nothing about mine except that my card would be fine and active come to find out it was canceled too had to order a new one 2 days after it was canceled but my pin would be the same turns out its not i have no card no pin only able access the digital card which doesn't help because it requires the pin that i don't have because they didn't keep the pin like they said they would now i have no food no gas no card no way of paying anything and wells fargo said my only option is to wait until Tuesday 3 days from now take off of work because they close at XXXX and get a new pin i will be without access to my funds for an entire week and all they have to say is sorry

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 2026-01-18 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I am disputing a {$1600.00} charge posted XX/XX/year> by XXXX XXXX XXXX. This submission includes new evidence not considered in the prior dispute. The charge was taken XXXX days before the vehicle was returned on XX/XX/year> ( return date admitted by merchant ), making any assessment of damage or breach impossible at the time of billing. The merchant told my bank ( verbatim ) that the charge was part of a payment toward the repair cost we incurred because of damage, yet no inspection had occurred, no damage was documented contemporaneously, and no repair costs had been incurred as of the charge date. 

The merchant provided no contemporaneous photos or inspection report and later attempted to justify the charge with invoices dated XX/XX/XXXX and XX/XX/year>. Retroactive documentation does not authorize a prior debit. The merchant inconsistently labeled the same charge as both damage and breach of contract, provided no itemized breakdown to me, and the amount does not match any disclosed breach fee. This charge was taken outside any permitted billing event under XXXX rules ( prohibiting pre-inspection/estimated damage charges ) and applicable consumer law. I request permanent reversal of the charge and any related fees or interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WI

Complaint narrative:
On Friday, XX/XX/scrub>, 2026, I deposited {$1600.00} in personal funds into my Square Prepaid Business Checking account. The money came from a legitimate retirement withdrawal check that I cashed and deposited as cash. These were personal funds, not business income. 

Later that same day, after I used part of the balance to pay XXXX personal bill to XXXX, Square restricted and then closed my checking account without warning. 

I then received an email from Square stating that my remaining balance of {$1400.00} would be held for XXXX days and not released until XX/XX/scrub> 2026. 

However, my account shows Active Sales {$0.00}, meaning I never processed any customer payments, never accepted card transactions, and never conducted merchant activity through Square. There are no disputes, no chargebacks, and no customers involved. 

The funds being held are strictly my personal money from a retirement distribution. Despite this, Square is applying a merchant reserve policy to a personal banking deposit, which is unreasonable and inappropriate. 

My Square dashboard also showed a transfer scheduled for XX/XX/year> at XXXXXXXX XXXX while at the same time stating the transfer was paused. This created conflicting and confusing information about the true status of my funds. 

I contacted Square and requested an explanation for the XXXXday hold and clarification of the scheduled transfer. I also provided proof of the source of funds. Square did not provide any meaningful response or explanation.

Because these are personal funds needed for living expenses, this extended hold is causing significant financial hardship. 

I am requesting that Square be required to : XXXX. Immediately review and release my {$1400.00} balance XXXX. Provide a clear written explanation for why a XXXXday hold is being applied to personal deposited funds XXXX. Correct any misclassification of my personal deposit as merchant revenue XXXX. Remove any unnecessary restriction on my ability to access my own money I believe Square is improperly withholding personal banking funds without valid justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: CA

Complaint narrative:
Edfinancial is a furnisher of information subject to Section 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I provided Edfinancial with valid identity theft documentation, including an FTC Identity Theft Report and government-issued identification.

Under 15 U.S.C. 1681s-2 ( a ) ( 6 ) and 1681c-2 ( Section 605B ), once a furnisher is notified that an account resulted from identity theft, it may not continue to furnish that information to consumer reporting agencies unless it has verified that the information is accurate.

Despite receipt of my identity theft documentation, Edfinancial has continued to report this account to XXXX, XXXX, and XXXX. This constitutes : Furnishing information with reasonable cause to believe it is inaccurate Failure to correct or suppress inaccurate reporting Failure to block reporting of identity-theft-related information as required by law Continued reporting after receipt of valid identity theft documentation violates Edfinancials duties under FCRA Sections 623 ( a ) ( 2 ), 623 ( a ) ( 6 ), and 605B, and is causing ongoing consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 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: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
My husband died in XX/XX/XXXX, he was the soul provider, I was behind XXXX payments and they started the repo process. They said they would transfer title into my name if I paid off the note and sent in the death certificate etc. I got a loan from my bank, paid off the car at the end of XX/XX/XXXX. The XXXX. I sent in the paperwork. I never received a bit of paperwork. I talked to them extensively. They mailed the title to the wrong address. I called them and they couldn't send the title so they were sending the lien release I gave them the address again, it was wrong in their system, it was corrected. They mailed the lien release to another wrong address. 
I was in a wreck XXXX XXXX, XXXX. I went to the XXXX XXXXXXXX Friday, XXXX XXXX, XXXX to get a copy of my title and they told me it is not in my name and it still shows they hold a lien on. It. I am once again waiting on a lien release, and now I can't get paid for my totaled car until all of this is resolved. 
I called to speak to management Friday XXXX XXXX, XXXX and was put on hold and then hung up on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
They change my account without sneakily and had been charging me a XXXX dollar service fee for months on an account I don't use. It finally got pushed into the negative, I went into a location to bring it to {$0.00} and close the account but they told me I have to wait several days because my I PERSON CASH DEPOSIT is pending. They aways providedon awful service and liked to change the terms changes, avoid them to avoid this awful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against the following entities for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Indiana State Law. 
Disputed Accounts : XXXX. XXXX XXXX XXXX - XXXX : {$930.00} XXXX. XXXX XXXX XXXX Balance : {$1100.00} XXXX. XXXX XXXX XXXX XXXX - XXXX : {$430.00} XXXX. LVNV FUNDING LLC - Balance : {$890.00} XXXX. XXXX  XXXX XXXX XXXX - Balance : {$1000.00} Violations & Legal Basis : I am a resident of XXXX, Indiana. These entities are reporting alleged debts on my credit report without my permission and without providing proper validation as required by law. 
XXXX. Lack of Contract & Chain of Title : I have never entered into a contract with any of these third-party agencies. They have failed to provide a complete " Chain of Title '' or " Deed of Assignment '' proving they legally purchased these specific alleged debts from the original creditor. Under Indiana Code 26-1-9.1, a transfer of rights requires strict evidence of assignment, which I have not received. 
XXXX. FDCPA Violation ( 15 U.S.C. 1692g ) : I demand strict proof of these debts, including the original consumer contract bearing my signature. A simple computer printout or " verification '' letter is insufficient validation under federal case law ( XXXX v. XXXX ). 
XXXX. FCRA Violation ( 15 U.S.C. 1681i ) : These accounts are unverified. I dispute the accuracy and completeness of these trade lines. The furnishers have failed to conduct a reasonable investigation or provide the " Method of Verification '' used to verify these accounts with the credit bureaus. 
XXXX. Indiana Collection Agency Act ( Ind. Code 25-11-1 ) : I question whether these agencies are maintaining the proper surety bonds and licensing required to collect debts in the state of Indiana XXXX 
Demand for Resolution : Reporting inaccuracies on my credit report causes strict liability under the FCRA. Since these agencies can not provide the original contract or a valid Chain of Title, they are legally required to remove these negative items immediately. 
I demand the immediate deletion of these XXXX accounts from all credit reporting agencies ( XXXX XXXX XXXX ) within XXXX  days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
Freedom mortgage is refusing to accept my veteran tax exemption for my property and projecting a massive shortage in escrow and trying to raise my mortgage {$800.00} a month. I have sent all documentation of my veteran tax exemption and every time I call I get a hard push for me to take out equity loans and when I say no they hang up. I have emailed them and they claim the issue is resolved without accepting my veteran tax exemption and not responding to all the tax exemption documents I have sent confirming my property tax exemption.

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