vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
This debt accumulated in XXXX for {$6600.00}. Transfinancial Companies is not the original creditor. I noticed that this started to increase my debt ratio and damage my credit. This started reporting on my credit XX/XX/XXXX. This account is inaccurate, unverifiable, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I request that this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I have made several additional payments to my mortgage specified for " principal only ''. Rocket MortgageXXXX. XXXX has split this payment into a principal only and a regular payment for a future month. This includes interest that has not been accrued and additional escrow payment. XX/XX/XXXX - Principal only payment of {$7000.00} made. XX/XX/XXXX - Principal only payment taken from amount paid on XX/XX/XXXX of {$6100.00}. XX/XX/XXXX - Future month payment taken from amount paid on XX/XX/XXXX of {$810.00} ( {$260.00} principal, {$330.00} interest, {$210.00} escrow ) XX/XX/XXXX - Principal only payment of {$5700.00} XX/XX/XXXX- Payment returned to me of - {$5700.00} XX/XX/XXXX - Principal only payment taken from amount paid on XXXX of {$4900.00}. XX/XX/XXXX - Future month payment taken from amount paid on XXXX of {$810.00} ( {$290.00} principal, {$300.00} interest, {$210.00} escrow ) This puts more money in Rocket Mortgage 's pocket and causes me additional interest to be charged. It is counteractive to the purpose of a principal only payment and is a deceptive business practice. This is how the system is set up to work, there is not different way to input the one-time principal payment. In order to correct this I have to call a person, endure XXXX minute wait time, then talk to someone for XXXX minutes to explain the situation. They can only do one month 's mistake at a time. This process, by nature of the length, is prohibitive to correcting the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Specialized Collection Systems, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Specialized Collections regarding three medical accounts ( Accounts ending in XXXX, XXXX, and XXXX ). These accounts are allegedly for services dated in XXXX, which places them well beyond the 4-year Statute of Limitations in the state of Texas under TX Civ . Prac. & Rem. Code 16.004. Furthermore, these entries contain clinical descriptors ( 'Radiology ' ) that violate the HIPAA Minimum Necessary standard ( 45 C.F.R. 164.506 ) and the Texas Medical Records Privacy Act. The collector has failed to provide a 'Notice of Time-Barred Debt ' as required by Texas Finance Code 392.307, and the continued reporting of these legally uncollectible debts is a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Law Offices of Timothy M. Sullivan
State: TX

Complaint narrative:
A third part debt collector by the name of XXXX XXXX XXXX XXXX sent me a letter in the mail saying that i need to pay them XXXX. I am not paying that because they gave me a bed with a messed up mattress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: NY

Complaint narrative:
I informed Harris & Harris , Ltd. via CFPB as well as their online portal and to the email XXXX that this debt should never have gone to collections. This debt was paid and receipts provided for same. I continue to receive debt collection notices in the mail even after they responded via the CFPB portal. The last correspondence before closing my complaints- XXXX, XXXX - was that they would inform the hospital that this bill was paid. It appears they have not as they continue in error to pursue collections. I continue to receive statements from the XXXX XXXX DOCTORS FACULTY PRACTICE indicating final notices that if left unpaid will be sent to a collector. I called the hospital and requested an itemized bill a few weeks ago to ensure there is no mistake on my end, but they have not provided this. I have only received another final statement with the collections warning. The amount is the same that I have already paid. I am not sure how to proceed but I don't think I should have to pay the same bill numerous times simply because they lost their records. I am happy to pay what I owe but I can not afford to pay the same bill multiple times. The billing department needs to figure this out. It is unacceptable that a hospital would jeopardize patients ' credit in error and do nothing to remedy the situation. This seems like bad faith and should be investigated further to ensure patients ( consumers ) are not being subjected to fraudulent billing practices by this hospital, its billing department, and its debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am submitting this complaint regarding deferred interest charges assessed on my Mattress Firm store credit card issued by Synchrony Bank. On XX/XX/XXXX I financed a mattress purchase totaling {$3100.00} through a deferred interest promotional plan. From the start of the account through XX/XX/XXXX I made consistent monthly payments of {$100.00} through automatic bank draft and never missed a payment during that period. At the time the promotional period ended on XX/XX/XXXX only {$320.00} remained on the balance. Because my automatic payment stopped shortly before the promotional expiration date and I did not receive clear notice that a balance remained, I believed the account had been paid in full. After the promotional period expired, Synchrony assessed {$1200.00} in retroactive deferred interest. Additional interest and late fees have continued to accumulate since that time. My statements now show approximately {$1600.00} in interest charges and about {$190.00} in late fees added after the promotional expiration despite the fact that I continued making payments totaling about {$870.00} during this period. The retroactive interest dramatically increased the balance even though the remaining balance at the end of the promotion was only about {$320.00}. This situation reflects a broader consumer issue with deferred interest promotional financing where consumers who have made consistent payments can incur large retroactive interest charges when a small balance remains at the end of the promotional period. In addition, I have maintained other Synchrony accounts including XXXX Furniture and Rooms To Go accounts which were paid consistently on time and are now paid in full with XXXX balances. My history with Synchrony demonstrates responsible credit use and consistent payment behavior. I contacted Synchrony and requested a goodwill adjustment and removal of the deferred interest and fees. The request was denied and I was told to submit the request in writing. I have now paid the remaining balance in full in order to prevent additional interest and fees while this dispute is under review. I respectfully request that Synchrony Bank : Refund the deferred interest charges Remove the associated late fees Confirm the account reflects good standing Ensure no negative credit reporting results from this matter I am seeking a fair resolution based on my long payment history and good faith effort to satisfy this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Frost-Arnett Company
State: AL

Complaint narrative:
The collection companies keep buying this debt and Frost Arnett must be the final boss. They use the worst tactics and continue to harass. They have different numbers and call and text even though Ive requested all communication be written. Each company that has owned this debt has been unable to validate the debt. It is not mine and Im so tired of going through this. Please help stop the harassing phone calls. Im a XXXX patient and this debt belongs to XXXX. This debt occured fo to their several clerical errors and incorrect medical filings. Its not my debt. The hospital sold this debt. The current company that owns the debt is Frost Arnett. They continue to harass and call at the worst times. They call every day at XXXX and then a couple of times a week at XXXX XXXX Please make them stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Failure to provide document of debt validation. Multiple Disputes unsatisfied results

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to report a collection account from XXXX XXXX XXXX on my credit file. However, XXXX confirmed in writing that it has ceased furnishing this account to the credit reporting agencies and submitted a request for expedited deletion. Despite this, the account remains on my Experian credit report. If the furnisher has stopped reporting and requested deletion, there is no valid basis for Experian to continue reporting this account. The continued reporting is inaccurate and harmful to my credit profile.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing this complaint because inaccurate or misleading banking reports associated with several financial institutions are preventing me from obtaining basic banking services. Several of my bank accounts were closed as internal business decisions even though the final balances were XXXX and there were no outstanding debts, charge-offs, or financial losses to the institutions. Despite this, information reported to consumer banking reporting agencies such as XXXX XXXX XXXX and XXXX appears to be causing automated denials when I attempt to open new bank accounts. In at least XXXX instance, an unauthorized or fraudulent payment was deposited into my account without my knowledge or consent. I did not initiate, authorize, or benefit from this transaction, and any implication that I participated in fraudulent activity is inaccurate. I have contacted the institutions involved and requested clarification and correction of the reporting, but the issue has not been resolved. Because this reporting is preventing me from accessing essential banking services such as receiving payments, paying bills, and maintaining a safe place for my funds, I respectfully request that the CFPB require the institutions to review their reporting, verify the accuracy of the information furnished to XXXX XXXX XXXX and XXXX, correct any inaccurate or misleading information, and remove any unverifiable derogatory reporting. I am requesting that my consumer banking file accurately reflect that the accounts were closed with XXXX balances and no financial loss to the institutions.

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 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: PA

Complaint narrative:
Credit Control LLC presented on my XXXX XXXX report in XX/XX/XXXX on behalf of XXXX with outstanding debt of {$360.00}. I received an email stating if I paid {$120.00} XXXX time fee I would satisfy the debt. I paid {$120.00} and received email with settlement arrangement reference number and receipt of payment. XX/XX/XXXX XXXX XXXX XXXX presented on my credit collections report on behalf of XXXX with outstanding balance of {$230.00}. This is the difference from my original payment to the initial collection from Credit Control , LLC. This debt should have been settled with Credit Control and I believe the correspondence I received from this company is misleading to the point of fraudulent. I have copy of financial agreement and receipt of payment with Credit Control I have opened disputes with XXXX XXXXXXXX XXXX and XXXX and attempted to file complaint via email with Credit Control. Credit Control has a false advertised customer service number that no one picks up, asks caller to leave message and then does not return. I have left multiple messages in the past without returned response. I am still waiting for response to my complaint email.

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 2026-03-04 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Subject : Unjustified and Harmful Credit Limit Reduction I am filing this complaint regarding an unjustified and harmful action taken by American Express regarding my credit card account. I have been a customer for approximately XXXX years and have maintained a spotless payment history. I have never missed a payment and have consistently demonstrated responsible credit behavior. My credit limit was {$10000.00}. During a temporary financial emergency, I used several of my credit cards to manage the situation responsibly. My utilization on the American Express account remained relatively low, approximately 1520 % of the available credit line. Despite this responsible usage and perfect payment history, American Express abruptly reduced my credit limit from {$10000.00} to less than {$2000.00}. This action was taken without a clear or reasonable explanation. Credit cards are marketed as financial tools meant to support consumers, especially during unexpected circumstances. However, actions like this send the opposite message : that customers are penalized precisely when they responsibly rely on the financial tools provided to them. This type of practice makes the product neither consumer-friendly nor functional as a reliable financial tool. Financial institutions should support responsible cardholders during temporary financial challenges, not abandon them or punish them for using the credit responsibly that was extended to them. This decision negatively impacts consumers financial stability and their credit profile, even when they have demonstrated responsible behavior. I respectfully request : 1. A clear written explanation for the drastic reduction of my credit limit. 2. A formal review of this adverse action. 3. Consideration for restoring the original credit limit given my responsible payment history. Consumers should be able to trust that financial institutions will treat them fairly and support them when they responsibly use credit, especially during temporary emergencies.

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

Complaint narrative:
XXXX XXXX XXXX company did not ship my product for XXXX weeks. I put a dispute on the {$750.00}, which was returned to my account. Upon receipt of the merchandise I requested a release of the funds. It has been weeks now and the funds remain in my account. I have made XXXX phone calls now following up. I requested a return call telling me why the money has been sent. I was told they couldnt do that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: PA

Complaint narrative:
Discover continuously calls my family members, with whom I have no contact, even though I have a payment scheduled. They are harassing my family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: SC

Complaint narrative:
Had a balance from XXXX for XXXX XXXX Watches that were in mine and my XXXX names they filed a credit report against me and her for the same debt. It was paid by my XXXX and the debt was taken off of our credit report now is back under a different collection agency after over a XXXX unfortunately XXXX moved since then and lost the paperwork for when it was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: MOHELA
State: MA

Complaint narrative:
Issue : I have been attempting to make payments with MOHELA on both my subsidized and unsubsidized loans. Last year ( XXXX ) I completed the payments on the subsidized loan. When attempting to now make payments the system auto allocated money to the subsidized loan which now has a negative balance. XX/XX/XXXX : I first contacted MOHELA both by phone and via their messaging portal to let them know about the issue. At that time they had started a claim to resolve it. They said it was likely that a computer issue had occur when I consolidated my loans in XXXX. XX/XX/XXXX : I followed up with MOHELA over the phone to determine when the issue would be fixed. They stated that it would take up to 90 days and that by the end of XXXX of XXXX that the issue would be fixed. XX/XX/XXXX : Again I followed up with MOHELA to determine why the issue was not resolved as it it impeding me from making proper payments and accruing unnecessary interest. There is no system on their website/portal to determine how interest is being calculated or on what date it accrues. They stated that again the issue would be resolved in XXXX business days. This has been a time consuming process as getting to the proper representative often includes significant times on hold usually around XXXX hour before speaking to the correct person. It has also resulted in unnecessary accumulation of interest. XXXX representative stated that they would be happy if I switched to a private loan servicer. To date this issue is unresolved and speaking to them through various channels has yielded an unsatisfactory information and results.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XXXX XXXX i sent them email formally request for my full refund of {$62.00} application fee and XXXX XXXX {$200.00} holding desposit no one wouldn't communication with me on what going on so I request for a full refund back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am filing this complaint regarding improper account servicing, false statements concerning a payment, improper late fee assessment, increased interest charges, and potential inaccurate credit reporting by TD Bank, which services my Nordstrom credit card account. The payment due on XX/XX/year> was timely attempted. At the time payment was due, TD Banks payment system was unavailable due to maintenance. This system outage prevented payment submission on the contractual due date. When payment was subsequently submitted, TD Bank claimed that my financial institution denied or reversed the payment. However, my bank has confirmed : No ACH presentment was received from TD Bank ; No NACHA return code was issued ; No NSF event occurred ; No funds were reversed. Despite this, TD Bank : Marked the account late ; Assessed a late fee ; Increased the minimum payment ; Assessed additional interest and/or penalty charges ; XXXX have furnished derogatory credit information. I have made numerous calls to resolve this matter. Most recently, I was placed on hold for over XXXX minutes. When the representative returned, she claimed she could not hear me and instructed me to call back, despite my number being on file and prior communication being clear. This reflects repeated failure to meaningfully investigate or correct the transaction. I have requested that TD Bank provide : The ACH trace number ; The NACHA return code ; Date and time of presentment ; Documentation supporting the late fee ; Documentation justifying increased interest and minimum payment. To date, this documentation has not been provided. If no ACH was ever presented, then the claim that my bank reversed the payment is inaccurate. If no valid return occurred, the late designation, fees, and increased interest are improper. I am requesting : Immediate removal of any late notation ; Reversal of all late fees ; Recalculation of interest ; Restoration of the correct minimum payment ; Written confirmation that no inaccurate credit reporting has occurred or correction if it has ; Production of documentation supporting any claim of returned payment. Nordstrom, as the branded creditor, is responsible for the actions of its servicing agent and is also placed on notice of this complaint. I request a full written response addressing each point and providing documentary evidence.

Company response to consumer: Closed with explanation