vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Synovus Bank
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to request assistance regarding improper late fees and account handling failures by First Digital. 

On XX/XX/XXXX, I ordered a replacement card through First Digital. After not receiving the card, I contacted customer service on XX/XX/XXXX and was advised that the replacement card would be sent. 

On XX/XX/XXXX, after still not receiving the replacement card, I contacted First Digital again. At that time, I was informed that I was not past 14 business days and that I would be required to pay {$35.00} in order to receive a replacement card, despite the prior request and delay. 

Additionally, I was charged {$41.00} in late fees, even though I had made my payment the day prior. These late fees were assessed while I was still without a usable card and attempting to resolve the replacement issue through customer service. 

Despite multiple attempts to address this issue, I was unable to obtain a resolution due to ongoing communication barriers with customer service representatives, which further delayed correction of these billing errors. 

The assessment of late fees while failing to provide timely account access and charging additional fees for a delayed replacement card appears to be unfair and potentially deceptive billing practice. 

I am requesting assistance to obtain the following resolution : Removal and reversal of all improperly assessed late fees Reversal or waiver of the {$35.00} replacement card fee Written confirmation that my account standing and any reporting have not been negatively affected Confirmation that a replacement card has been properly issued and delivered I am submitting this complaint in good faith and respectfully request assistance in resolving this matter. 

Thank you for your time and attention. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-30 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: DISCOVER BANK
State: NJ

Complaint narrative:
On XXXX XXXX I was looking for doors for my XXXXXXXX XXXX XXXX XXXX, I log in XXXX XXXX XXXX store call them at the number on their Web XXXX, they inform me thwy had the doors. First I gave them my XXXX it was not goin through, so I gave them Discovery, I was suppose to get door pics and sales recipt, after about 20 minutes nothing came so I call Discover that I was scam, their responce wait untill the charges are posted. 
At first Discover reverse the charges, later they put them back {$870.00} from XXXXXXXX XXXX, Discover sends me copies of boarding pass from XX/XX/XXXX. 
As per Discover this charges are legit, they credit me for {$280.00}, but I still have an open balance {$590.00}. 
I wanted pick up doors not an airfair to XXXX. 
Thank you, Note : Credit card number is my new one I only have last four XXXX of incident card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WA

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC for reporting a collection account on my XX/XX/XXXX credit report that does not belong to me. 
The account in question is reported as : Creditor : LVNV Funding LLC Amount : {$610.00} Date opened : XX/XX/scrub> 2022 I do not recognize this debt and have never had a business relationship with LVNV Funding LLC or the alleged original creditor. This account is not mine. 
I disputed this account with XX/XX/XXXXas Not My Account. LVNV Funding has failed to provide valid proof that I am the correct consumer responsible for this debt. Reporting a debt without proper verification violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
I am requesting the following resolution : Immediate deletion of this account from all credit reporting agencies Written confirmation that the account has been removed Assurance that no further collection or reporting will occur regarding this alleged debt This inaccurate reporting is causing financial harm by negatively impacting my credit profile. If this matter is not resolved promptly, I am prepared to pursue further remedies. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: TX

Complaint narrative:
The bank chose to close my account. On XX/XX/year> XXXX XXXX stated he cut a check and dropped it in the mail ( i have the call recording ). The check has not been received, however i have received paper work regarding my account closure which was sent at a later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have been requesting a complete assumption loan package for months. I finally was able to speak with a manager XXXX XXXX after holding for alomost 40 minutes and the required documents that must be filled out including the XXXXXXXX  XXXX  application are missing and no one will help. I need to complete this form as I'm going through a divorce process. Thank you!

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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Federated Student Loan Services
State: CA

Complaint narrative:
On XX/XX/XXXX, I submitted my XXXX application after completing over XXXX  years of full-time employment with a qualifying nonprofit employer and making consistent payments. My payment history later showed missing qualifying payments for XXXX. On XX/XX/XXXX, I submitted a XXXX  Reconsideration request ( case # XXXX ). As of XX/XX/XXXX, the missing years have not been corrected, and I have not received a clear status update or resolution despite meeting all XXXX  requirements.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 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: PatientFi, Inc.
State: CA

Complaint narrative:
Product : Personal loan / Installment loan Issue : Fees or interest I didnt expect/ Dispute a charge Company : Patientfy Complaint : I am submitting this complaint regarding late fees and interest assessed on a loan that was paid in full shortly after the maturity date. 
The loan payoff was due on XX/XX/year>. A payment attempt failed because the card on file had expired. This was a payment processing issue, not a refusal or inability to pay. I contacted the lender and completed payoff in full on XX/XX/year>. 
Despite the loan being fully paid off within days, the lender assessed more than {$1000.00} in late fees and interest after payoff. I requested reversal based on good-faith payment efforts and the short delay, but the lender refused. 

The Loan Agreement limits late charges to {$40.00} or XXXX XXXX of a single unpaid installment and explicitly states there is no prepayment penalty. The assessed amount exceeds what is contractually permitted and includes charges after the loan was paid in full. 

I am disputing these charges because they are disproportionate to the delay, were caused by a payment method issue, and do not reflect ongoing risk since the principal balance has been fully satisfied. I am requesting a reversal of late fees and a recalculation of interest limited to amounts accrued through the payoff date only. 
I am also requesting confirmation that no negative credit reporting has occurred or will occur as a result of this issue. 
I would like this matter reviewed by the lenders servicing and compliance team and resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
Mohela is acting illegally in multiple ways. Customer service is terrible. My credit report is messed up. Loans sold illegally. My balance is almost what it was when I first took out my loan. Ive paid {$36000.00} on a {$21000.00} loan with no end in sight of how to get this loan paid off. 

Do not do business with Mohela or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/year>. I attempted to make a reservation with XXXX XXXX XXXX using my debit card. The reservation never went through, but they had my money on hold. They were holding 2 charges of {$210.00}. I had been in contact with TD bank and XXXXXXXX XXXX XXXX XXXX XXXX XXXX sent an email stating that they were not going to collect because the reservation was canceled. I went to the branch as well. I then spoke to a supervisor XXXX and he had me call budget. They stated that they were not going to collect. On Friday XX/XX/XXXX, they gave me back the funds and the next day they took them back out. I need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
my PayPal account was permanently deactivated for unusual activity, even though I did not engage in any activity that violates PayPal policies. I contacted PayPal via chat, and they stated that the decision is final, they will not provide details about the alleged unusual activity, and I can not appeal. My account balance is being held for 120 days, and I am unable to withdraw my funds. I request a review of this decision and release of my held funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: IL

Complaint narrative:
I am writing to respectfully request a review and reconsideration of my consumer report that is currently affecting my ability to open a new bank account. 

I understand that past banking activity may have resulted in negative information being reported. Since that time, my financial situation has improved significantly. Any outstanding balances have been addressed, and I have taken steps to better manage my finances and prevent similar issues from occurring in the future. 

I am currently seeking the opportunity to establish a new checking account so that I may responsibly manage my income, pay bills, and continue building a positive banking history. I am committed to maintaining my account in good standing and complying fully with all banking policies. 

I kindly request that you review my record and consider removing or updating any information that may no longer accurately reflect my current financial responsibility, or allow me eligibility for a second-chance or restricted account if applicable. 

Please let me know if any additional documentation or information is needed from me to assist with this review. Thank you for your time and consideration.

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 2025-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Alliance One, Inc.
State: IL

Complaint narrative:
Upon reviewing my credit report, I discovered an inquiry/account entry from AllianceONE that I did not authorize. According to 15 U.S.C. 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a credit report with my written consent, which I never provided to AllianceOne Receivables Management Inc. for such access.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In late XXXX, I applied for the American Express Platinum Card via phone. I was aware of public offers as high as 175,000 points and specifically discussed the Welcome Offer with the representative. My understanding from the conversation was that I would receive 150,000 points. However, after the account was opened, I discovered the offer attached was only 50,000 points - a massive discrepancy of 100,000 points. 

While " fifty '' and " one hundred fifty '' can sound similar, no rational consumer would knowingly accept a 50,000-point offer for a card with a {$890.00} annual fee when public offers of XXXX or XXXX or XXXX are widely available. I was clearly misled during the sales call. I have attempted to resolve this with customer service multiple times. Instead of correcting the error or reviewing the call recording, they offered a trivial 5,000-point courtesy adjustment. This " compensation '' is insufficient given the magnitude of the error ( $ XXXX in value ) and the misleading nature of the sales interaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I spoke with a manager named XXXX who alleged that Payment Deferral option is not available for my husbands VA loan. When I asked her to please provide any documents that show this policy that VA loans are not able to do a Payment Deferral, she refused to do so and hung up on me. 
I called back and spoke with XXXX who said an algorithm decides whether we qualify for Payment Deferral option, and refused to provide me with the information as to what documents are required and criteria considered for this option.

I escalated this issue to a second manager by the alleged name of XXXX XXXX, who stated that Payment Deferral option is available for VA loans but only for XXXX XXXX XXXX members. When I told him that my husband was XXXX and XXXX XXXX in XXXX, he then switched back to saying that Payment Deferral is not available for all VA loans. They all refused to provide me with documents that show that VA loans do not qualify for Payment Deferral option. 
I have reason to believe that we are being targeted because of my husbands military status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I mistakenly requested a " pay over time '' request on one of my recent purchases. Once I received an email notification that this request was submitted and being processed, I called Chase right away to try and remove this request. I was told by a customer service representative and an account supervisor that the request can not be removed once it's been submitted - eventhough it has begun processing only minutes earlier and this was likely due to accidentally pressing a button on my phone. 
I was told I agreed to terms that I do not recall seeing or agreeing to. I was also told that there was no way to dispute, change, or remove the " pay over time '' request after it's been submitted ( even if it was made in error ). I am now obligated to pay a higher amount for the original purchase to Chase. 
I asked if the " pay over time '' option can be removed from my account so that this doesn't happen again but was told that it can not be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
In XXXX I purchased a motor home sitting on XXXX XXXX  in XXXX XXXX XXXX which has association fees payable to homeowners ' association named " XXXX XXXX XXXX XXXX ''. 
In XXXX I fell ill and fell behind on my mortgage and association fees. 
In early XXXX I was told at the association office that they had to change bookkeeping firms because previous firm was not doing good job Early in XX/XX/XXXX I received notice that I was behind on association fees, but I was not able to make payments because the amounts claimed were excessive. 
On XX/XX/XXXX, I went to association office to request statement of charges claimed on my property and I was given XXXX statements, one for each property. 
According to the statements I received, I am almost XXXX  months behind and I do not believe I owe that much but I was told my account was sent to collections and I do not have proof of payments I made. 
I contacted bank that has my payment history but that account was closed in XX/XX/XXXX so I requested statements which will be mailed to me so that I can verify non-payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: FL

Complaint narrative:
I contacted Chime due to the XXXX XXXX account did not renew as it does monthly. Spoke with the customer service rep told me that the XXXX XXXX did not renew because I owe on a instant loan for {$100.00}. I was told that once the XXXX is paid next time I get a direct deposit they may give my XXXX again. I explained that that made no sense. I am on XXXX and get a direct deposit every month. I explained that now I am out XXXX and can not meet my financial obligations. Chime has used what I consider bad practices because one month the XXXX is XXXX and then the next XXXX and the following month XXXX which gave them an additional XXXX. This seems shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally dispute the debt you are attempting to collect that is associated with my name and/or account number referenced in your communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am Currently paying back the loans When I pay the monthly payment late sometimes they call my phone. Now they are calling my workplace. I work In a clinic and this is not good and against the law

Company response to consumer: Closed with non-monetary relief