vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: AZ

Complaint narrative:
I was offered and accepted a settlement of {$800.00} on my XXXXXXXX XXXX XXXX account during a chat with a representative, and I was prepared to make payment immediately. The representative sent incorrect paperwork referencing a different account, and shortly after, the agreement was withdrawn. I have documentation of the original offer and acceptance. Despite this, the collection agency is now refusing to honor the agreed settlement and has denied my requests to escalate the matter to a manager. I am requesting that the collection agency honor the original {$800.00} settlement agreement that was offered and accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TekCollect Inc.
State: GA

Complaint narrative:
XXXXTekCollect, Inc. is attempting to collect XXXX on behalf of XXXX XXXX XXXX XXXX. This account originated with XXXX XXXX XXXX XXXX (XXXX Account #XXXX).XXXXOn XXXX XXXX XXXX, I sent TekCollect a formal debt validation request via certified mail (tracking #XXXX XXXX XXXX XXXX XXXX XXXX) and via email. TekCollect did not respond to my validation request within the required timeframe. During this period, they continued sending collection communications including settlement offers, which constitutes continued collection activity while validation was outstanding a violation of the Fair Debt Collection Practices Act (FDCPA).XXXXOn XXXX XXXX XXXX, I also submitted a written settlement counter-offer of XXXX with specific terms, to which TekCollect never responded.XXXXIn XXXX XXXX, TekCollect mailed documentation referencing the underlying XXXX contract. However, this documentation does not validate the current balance because it includes NSF fees and late fees that were improperly charged during an active hardship hold period granted by XXXXI am requesting that the CFPB investigate TekCollect for continuing collection activity while my validation request was outstanding, and for attempting to collect a balance that includes improperly assessed fees.'

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to formally lodge a complaint against PenFed Credit Union regarding their predatory and deceptive practice of " balance chasing. '' I have been an affluent, high-income member for over six years, maintaining a checking account, savings account, and multiple credit line products. Despite a perfect, on-time payment history and a solid credit profile, PenFed has repeatedly and systematically reduced the credit limits on my cards immediately following large payments. On multiple occasions, the moment I made a significant payment to reduce my balance, PenFed slashed my credit limit to meet the new, lower balance. They have done this across multiple cards without providing any prior notice or a clear explanation for these reductions. The Impact : These actions have directly caused : Credit Score Damage : By slashing my limits as I pay down debt, PenFed has artificially inflated my credit utilization ratio, causing significant and unjustified drops in my credit score. Lack of Transparency : PenFed failed to provide an Adverse Action Notice in a timely manner as required by the Equal Credit Opportunity Act ( ECOA ), leaving me unable to understand the " risk '' they perceive in a member with high income and a perfect payment record. Financial Penalty for Responsibility : This practice effectively punishes me for being financially responsible and paying off my balances.

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 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I took out a Synchrony Bank credit card with XXXX XXXX XXXX. I made my payment in full. The following month the said that I owed {$41.00}. I spoke to a representative through the live chat. The representative stated that I had to make the payment because that was the final interest on the account. I was checking my bills and then I saw that I owed {$140.00} dollars. I reached out to them and asked how can I be charged interest on {$0.00}. Thats when they explained their predatory practice. They said that even though you have a balance and pay it on the due date the interest is added up on the XXXX of every month. As a result you have to pay them on the XXXX. When I think of this I think of the elderly who struggle to even pay their bills off, then another fee is added so you can never pay it off. XXXX and Synchrony Bank need to do better.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My XXXX XXXX XXXX was repossessed on XXXX i did not receive any notice of repossession i did not receive any call nothing when asked i was told i was put on do not call list and disconnected on multiple times when asked how i can get my personal property with my wallet to pay the amount upon calling again i did end up making the payment using my debit cards which i was then advised that i would have to setup an appointment to pick my vehicle up and i would be the one that has to pay for the 3 days of vehicle being at the lot which is absolutely their doing not mine i have also requested my contract from this company in which i am getting the run around and also being told they do not have it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I recently requested my three annual credit report. I learned that Upstart has been reporting this account as charged off for several months. However, the credit report states account was sold to XXXX XXXX XXXX. Additionally, I disputed the discrepancy on my account and it came back verified by the CRA. I am currently demanding the methods of verification, since a debt collection agency has confirmed that they have purchased this account as of 2024. I received one letter by mail from Upstart requesting identifying information to locate my account. All of My ( 4 ) requests for additional information to show that they are in legal standing and to disclose accounting obligations have been ignored. Upstart continues to report a current balance due on a charged off account each month, that has been sold to a debt buyer. Upstart has breached any pre-existing contract by failure to follow their own consumer agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding an ongoing issue with receiving my debit card PIN. I have been waiting several weeks for my PIN to arrive by mail, and it has still not been delivered. After contacting customer service, I was informed that I would need to wait an additional XXXX days for a replacement to be sent. During this process, I was also given incorrect and confusing information by a supervisor, who suggested I use my ZIP code as a PIN at an ATM. This is not only inaccurate ( as a PIN requires XXXX digits ), but also reflects a concerning lack of proper guidance. This situation has caused significant inconvenience, wasted time, and unnecessary stress, as I have been unable to properly access my account. I have made multiple attempts to resolve this issue through customer service, but no effective solution has been provided. I am requesting : Immediate resolution of my PIN issue ( including expedited delivery or alternative secure setup options ) A clear explanation for the delay Assurance that staff are properly trained to provide accurate information If this issue is not resolved promptly, I am prepared to escalate this matter further. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My debut was stolen and used at XXXX for XXXX and another XXXX at XXXX I filed a police report because I wasnt aware I lost my card until I saw the transactions I submitted the police report and they refuse to provide me with a refund for these fraudulent charges made by someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
This complaint concerns a collection account reported by Qualia Collection Services on behalf of XXXX XXXX in XXXX XXXX XXXXXXXX XXXX for which I am a co-signer. I did not reside at the property ; however, I am being held financially responsible as a co-signer on the lease. The tenant lived at the property for approximately XXXX months. During this time, management changed after the original lease. Under prior management, lease timelines and expectations were clearly communicated. However, after the management change, there was no communication as the lease approached expirationno notice regarding renewal, termination requirements, or required action. The timing of the lease expiration coincided with a period in which XXXX of the tenants was awaiting graduate school admission decisions, which directly impacted their housing plans. Due to this uncertainty, they were unable to provide a full XXXX notice. They communicated this situation to the leasing office in good faith and attempted to resolve the matter reasonably. Despite these efforts, no accommodation or reasonable resolution was offered. Instead, shortly before move-out, they were informed that they would be charged over {$5000.00} due to the XXXX notice provision. When the tenants contacted the leasing office, they again attempted to resolve the issue and requested an explanation and breakdown of the charges. They were told the amount would be owed in full and sent to collections if unpaid. No itemized breakdown or meaningful explanation was provided. The charges appear to include amounts beyond the lease end date, and there are concerns that the unit may not have been re-rented in a timely manner, which would improperly increase the amount being claimed. This account was subsequently placed with Qualia Collection Services and reported to the credit bureaus without proper validation or substantiation of the debt, and it is now negatively affecting me as a co-signer. I have disputed this account with the credit reporting agencies and have requested validation directly from the company. The account remains unresolved and continues to be reported despite these disputes. I am disputing the accuracy and validity of this debt, including the amount being claimed and the lack of proper documentation supporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had an account with Capital One Auto Finance. I was on auto pay and paid off the loan. When I paid off the loan they said there was a late charge for {$33.00} from XXXX when I had some complications setting up autopay correctly. I paid off the account in XX/XX/XXXX over missing an payment and they reported to the credit bureaus that I was late in XX/XX/XXXX not the original late date. This has to be Illegal The late date needs to at least be the original date it was late not when the account was paid in full and closed. It should be removed altogether as I was never informed of this late charge as I was on XXXX It has ruined my credit during refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
XX/XX/XXXX, got delinquent tax bill in the mail. I called my XXXX, XXXX XXXX to verify it was delinquent. They informed me it was not paid. Loan # XXXX Newrez mortgage company XXXX They told me they were not aware my taxes were not paid, over XXXX months past due. My taxes were due XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank : Complaint Against : Citibank ( Credit Card Services ) Issue : Incorrect denial of unauthorized transaction dispute I am filing this complaint regarding Citibanks refusal to properly handle and reimburse an unauthorized credit card charge. Charges of approximately {$600.00} from ClassPass were made on my credit card without my authorization. The transaction was initiated by a minor who used my card without my knowledge or permission. I did not consent to the creation of any account, enrollment in any trial, or authorization of any charges. Upon discovering the charge : The account was immediately cancelled No services, classes, or benefits were used I promptly notified Citibank and disputed the charge Citibank denied my dispute. However, this is not a billing disagreement or dissatisfaction with services. This is a clear case of repeat unauthorized transactions. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am not liable for unauthorized charges. A minor does not have legal authority to bind me to a contract or authorize use of my credit card. Additionally, I received no benefit from the transaction. Citibank appears to have misclassified my dispute and failed to conduct a reasonable investigation into the unauthorized nature of the charge. I am requesting : Immediate reversal of all charges from Classpass Correction of the dispute classification to unauthorized transaction Written confirmation of the outcome If necessary, I am prepared to provide documentation supporting my claim, including proof of cancellation and lack of usage. I request that Citibank comply with its obligations under federal law and resolve this matter promptly.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
The employee of Capital one bank kept my credit card during the transaction stating that she gave it back k toy XXXX XXXX This is a frauds. Capital one bank branch in XXXX at XXXX and XXXX XXXX. I ve been repotold she gave me my card back, after XXXX min I received a phone call From the bank that they have my card!? I am sure its all can be seen on security cameras that the employee did not give me the card and hold on to it against my will Employee XXXX is XXXX Please advise asap Thank you Kind regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: PNC Bank N.A.
State: MI

Complaint narrative:
" I was the victim of a phone scam over the past XXXX days. The scammer used social engineering to manipulate me into buying gift cards and draining my entire checking account and credit cards. I called PNC multiple times and they refused to help, saying since it was gift cards there's nothing they can do. I was under duress and these transactions were unauthorized. Please investigate and reverse the charges under Regulation E. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MORGAN STANLEY & CO. LLC
State: WY

Complaint narrative:
XXXX calls over several weeks to eTrade XXXX to replace XXXX rate checking debit card after account hacked with a fraudulent transaction. Despite calls and assurances no replacement card ever received. eTrade confirms it has no way to confirm a call or transaction request with the customer. No email or txt confirmation. Customer must wait and hope the new card arrives. If it doesn't as in my case you call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
i was the victim of a phone scam over the past XXXX days. The scammer used social engineering to manipulate me into buying gift cards and draining my entire checking account and credit cards. I called XXXX multiple times and they refused to help, saying since it was gift cards there's nothing they can do. I was under duress and these transactions were unauthorized. Please investigate and reverse the charges under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT WORLD SERVICES, INC.
State: AZ

Complaint narrative:
On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX XXXX to inquire about a collection item on my credit report from " XXXX XXXX XXXX XXXX '' in the amount of {$200.00}. During the call, the representative refused to provide any details regarding the balance, its origin, or a breakdown of the debt unless I first processed a {$1.00} " transaction fee. '' I informed them that under the Fair Debt Collection Practices Act ( FDCPA ), I have a right to debt validation and account information without being required to make a payment. When I insisted on my right to receive a formal validation notice before making any financial commitment, the representative put me on hold for XXXX minutes and then disconnected the call. Violations : 15 U.S.C. 1692g : Failure to provide or facilitate the validation of the debt. 15 U.S.C. 1692f : Engaging in unfair or unconscionable collection practices by demanding a fee just to view account details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
On or about XX/XX/year> I sent a letter to all XXXX credit bureaus, XXXX XXXX XXXX XXXX and the business. I requested specific information that still has not been provided to me related to this collection account. The name & address of the original creditor, documentation of the alleged debt ( debt validation ), including signed contracts, any transfer of ownership from the original company hired by. Under the FDCPA I have a right to this information. LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation