vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
I woke up this morning to notifications from the credit bureaus of a collection account placed on my credit reports. There has been no communication attempts or documentation sent or received that would validate the debt or allow me to request the information as per my right. My physical home address has always been updated immediately with XXXX and the credit bureaus along with the licenses for driving records and specialty licenses I hold. They failed to provide any validation of this debt which they are required to do per the Fair Debt Collection Practices Act. I have filed disputes with the credit bureaus and sent communication to them as well. Due to their negligence, they caused my credit scores to drop between XXXX points overnight which is extremely harmful. I am also considering retaining an attorney to handle a complaint and seek restitution for their violations to the Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am filing a new complaint regarding the handling of my mortgage loss mitigation application and appeal by North Carolina State Employees Credit Union ( NCSECU ). 
I submitted a complete mortgage assistance application, which NCSECU confirmed was received on XX/XX/XXXX. My application was denied the following day, before a reasonable review could have occurred. I timely appealed the decision. 
My appeal was later denied with the explanation that my situation does not meet XXXX  criteria. NCSECU has not identified which specific XXXX  eligibility criteria were applied or which requirement I allegedly failed to meet, despite my request for clarification. This lack of transparency prevents me from understanding or responding meaningfully to the decision. 
Throughout this process, NCSECU relied on inaccurate or inconsistent information, including : Stating that a Notice of Default was sent on XX/XX/XXXX, which I did not receive. Two separate NCSECU mortgage representatives later confirmed the notice was not sent because the figures were incorrect.

Providing an incorrect amount due for XX/XX/XXXX without an itemized explanation.

NCSECU also failed to properly consider the cumulative nature of my hardship. My financial hardship began in XX/XX/XXXX due to a significant reduction in income, and it worsened with job loss in XX/XX/XXXX. The denial improperly focused only on the timing of job loss while disregarding documented, ongoing hardship.

I have acted in good faith, provided all requested documentation, and pursued all internal appeal options. I am requesting CFPB review of NCSECUs loss mitigation handling, including the accuracy of account information, the adequacy of the review conducted, and the failure to disclose specific criteria used to deny assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: PA

Complaint narrative:
The dispute was opened on XX/XX/XXXX in the amount of {$480.00} I disputed a charge with Discover Bank under the merchandise not as described / defective reason. The product I received was unusable and materially different from what was represented at the time of purchase. 

Discover denied and closed the dispute after reviewing only my original order, and not the evidence I submitted showing the defective and unusable condition of the merchandise. The dispute was closed solely because the merchant does not accept returns or refunds.

A merchants no-return or no-refund policy does not negate a cardholders rights when goods are defective or not as described. Discover failed to conduct a fair investigation and applied an incorrect dispute reason in closing my case.

I am requesting that Discover reopen the dispute, review all submitted evidence, and properly evaluate the claim under the correct not as described / defective merchandise standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
HELOC Payment Misapplication & Servicing Transfer Errors I am disputing the billing and payment information on my HELOC, which has now been transferred twice between different servicers ( XXXX XXXX Shellpoint Mortgage Servicing Cornerstone Servicing ). My account is incorrectly showing that my XXXX and XX/XX/XXXX payments are outstanding, even though I have already paid XXXX, XXXX, XXXX, and XX/XX/XXXX in full. 

Payment History ( Documented and Supported by Bank Statements ) : - XX/XX/XXXX payment Paid to XXXX XXXX on XX/XX/XXXX {$750.00} - XX/XX/XXXX payment Partial payment to XXXX XXXX on XX/XX/XXXX {$450.00} Remaining balance paid to Shellpoint on XX/XX/XXXX {$300.00} Total XXXX payment : {$750.00} - XX/XX/XXXX payment Paid to Shellpoint on XX/XX/XXXX {$750.00} - XX/XX/XXXX payment ( first payment under modification ) Paid to Shellpoint on XX/XX/XXXX {$600.00} I have submitted bank statements for XXXX, XXXX, and XXXX multiple times to verify these payments. 

Servicing Errors and Communication Failures Despite providing documentation repeatedly, my account has not been updated correctly. The core issue is that XXXX XXXX never confirmed the {$450.00} partial payment from XX/XX/XXXX, to Shellpoint, nor did they properly communicate my payment history during the servicing transfer. 

Because of this failure : - Shellpoint treated all subsequent payments as partial payments, even when the full amount was paid. 
- My account history is inaccurate. 
- I am being shown as past due for months that I have already paid. 

Customer Service Issues I have contacted both XXXX XXXX and Shellpoint Mortgage Servicing multiple times. The representatives have been unhelpful, dismissive, and in some cases rude. Despite my repeated attempts to resolve this, neither company has corrected the payment history or communicated with each other to fix the transfer errors. 

Actions Already Taken- I have sent written notices to both XXXX XXXX and Shellpoint requesting correction of my account. 
- I have provided bank statements multiple times. 
- I have attempted to resolve this directly for several months without success.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing a complaint regarding an unreasonable delay and mishandling of a credit balance refund by Capital One. 

On XX/XX/XXXX, I formally requested a refund of a {$20000.00} credit balance on my Capital One credit card. This balance resulted from a completed balance transfer from another credit card, and the account has been in good standing. 

On XX/XX/XXXX, I contacted Capital One for a status update and was explicitly told by a representative that the refund check had already been mailed. After waiting and receiving nothing, I later learned this statement was incorrect. Instead of mailing the check, the representative submitted a second refund request without my knowledge or consent, effectively restarting the internal process and delaying the refund further. 

On XX/XX/XXXX, I contacted Capital One again and was told that the refund was now subject to a 15-business-day internal review, with XX/XX/XXXX being cited as the final day of that review. At no point was I informed of the reason for this review, nor was I notified that a second request had been submitted on my behalf. 

This is now the second time I have experienced delays waiting for a refund check from Capital One. I have successfully received mail from Capital One at my address in the past, so there is no known delivery issue. 

I am concerned that Capital One has : Provided inaccurate information about the status of my refund Submitted a second refund request without my authorization Caused an unreasonable delay in returning a large credit balance Failed to offer a timely or alternative refund method ( such as ACH/direct deposit ) I am requesting that Capital One immediately issue my {$20000.00} credit balance refund without further delay and provide clear confirmation of the refund method and delivery timeline.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: WI

Complaint narrative:
The Virtual XXXX ending in XXXX was loaded with {$70.00} on XX/XX/XXXX and unused until fraud on XX/XX/XXXX. I discovered the fraudulent charge on XX/XX/XXXX when my first ever legitimate purchase attempt ( XXXX for {$50.00} ) was declined. I contacted live chat immediately and filed a completed and signed " XXXX of XXXX XXXX '' form via fax on XX/XX/XXXX. It was confirmed received on XX/XX/XXXX ( also a duplicate received on XX/XX/XXXX ). I contacted XXXX today to follow-up on the claim and was told by agent ( XXXX ) XXXX XXXX phone that the claim was denied on XX/XX/XXXX solely for " time frame '' and I did not receive any notice of the decision. I requested escalation today, which XXXX said she would submit to the fraud team on my behalf, and the appeal decision typically takes XXXX business days. She advised that I would receive information about the appeal decision via email. I asked her to cite my argument for the appeal : XXXX XXXX doesn't bar investigation of bona fide fraud ( even XXXX days, issuer must assess if unauthorized ) ; XXXX zero-liability applies to fraud ; dormant card proves no consumer fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Subject : CFPB Complaint Inaccurate and Unverified ChexSystems Reporting To Whom It May Concern, I am submitting this complaint to formally dispute inaccurate, incomplete, and unverified information being reported by ChexSystems , Inc. This reporting is preventing me from opening a checking account and is causing ongoing financial harm. 

ChexSystems is currently reporting the following accounts under my name, XXXX XXXX : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported For : Account Abuse Date of Closure : XX/XX/XXXX Amount Reported : {$15.00} Closure Status : Unpaid XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported For : Account Abuse Date of Closure : XX/XX/XXXX Amount Reported : {$3500.00} Closure Status : Paid in Full I dispute the accuracy and continued reporting of both entries for the following reasons : The XXXX XXXX XXXX XXXX account is clearly reported as PAID IN FULL, yet it continues to be reported in ChexSystems in a manner that is punitive and misleading, which does not accurately reflect my current banking status. 
The XXXX XXXX XXXX XXXX entry reflects a minimal balance of {$15.00}, which is disproportionate and raises concerns regarding the reasonableness and accuracy of continued reporting. 
ChexSystems has not provided proper verification demonstrating that these records are accurate, complete, and legally reportable under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

The reporting contains inconsistencies related to account status and fails to reflect good-faith resolution of obligations.

Continued reporting of paid or de minimis balances may constitute inaccurate or unfair consumer reporting.

Under the Fair Credit Reporting Act, ChexSystems is required to ensure maximum possible accuracy and to conduct a reasonable reinvestigation of disputed information. At this time, I do not believe those requirements have been met.

I respectfully request that ChexSystems : 1. Conduct an immediate reinvestigation of both entries 2. Delete or suppress any information that can not be fully verified 3. Remove the XXXX XXXX XXXX XXXX entry due to its paid-in-full status 4. Reevaluate and remove the XXXX XXXX XXXX XXXX entry due to its minimal balance and lack of material risk 5. Provide written confirmation of the outcome of this investigation I am requesting CFPB assistance to ensure this matter is resolved promptly and in compliance with federal law. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
( Account that was open without my consent ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lockhart, Morris & Montgomery Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX told me if I got hired on with the company I wouldnt have to pay the full amount back for their XXXX school I was told I'd have to pay just a little over XXXX dollars they got lockhart morris and montgomery to get the debt back lock hart morris made up a amount of XXXX dollars and been harassing me about it. Lockhart morris has put XXXX dollars in charges added to the bill wich is for made up charges. I check boxes I don't want to be contacted by Lockhart morris they are doing it anyways

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: NY

Complaint narrative:
I was sold a lab grown diamond ring listed as new on XX/XX/year> from a website called 'Whatnot '. Once I recieved item it was evident this was not a new ring, based on various scuffs and scratches. Immediately I Contacted seller to explain issue. End result was my account being banned for inquiring about a refund based on condition of item sold. I then Contacted my credit card company citi bank to submit dispute. After months of providing thorough required documentation, receipts, and email evidence, the credit was never honored in my favor. This has caused a lot of stress when trying to get credit for item falsely sold. Please help me as I've followed all steps citi bank requested.

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 2026-01-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I filed a dispute with American Express concerning a Hertz transaction in the amount of {$780.00}. I provided substantial evidence demonstrating that the contractual rental charge was {$190.00}. American Express denied the dispute despite the supporting documentation and failed to adequately investigate or resolve the billing error. I dispute the outcome and believe American Express did not fulfill its obligations under applicable consumer protection standards. As a result, I am submitting this complaint and will consider further legal remedies if necessary.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 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: SC

Complaint narrative:
Harris & Harris as well as XXXX XXXX XXXX both are trying to collect XXXX for the same collection

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
Upon applying for a credit card with XXXX in XXXXXXXX XXXX XXXX, I received a notification that the card issued in my name had been activated. I contacted the creditor to ask about this notification, and I was told that " sometimes the cards are activated before they arrive. I let them know that I did not have the card in my possession, tht I was still waiting for this card to arrive in the mail, and I was assured that I would be receiving the card soon. 

About XXXX weeks later, I logged into the online account that was assigned to me for the card, and I noticed that majority of the card balance had already been spent ( as shown in the documentation below ). I contacted the card company immidiately to report the fraudulent activity on the card. I was transferred over to the fraud department where I was told that an investigation would begin. During the ivestigation, I was told that a new card would be sent to me, however I had never received the card. I also began to receive collection call from this creditor for " missed payments '', claiming to be in refernece to the deposit that was charged to the card to open the account. Each time I received a call I had to explain to them that the accound was under investigation, and that I was not comfortable making payments on an account for a card that I did not have, for transactions that I did not make. 

After receiving several calls, I contacted the original creditor, XXXX, and requested that this account be closed since I haven't received the card, and I no longer wanted to have any type of business relations with this company. I received notification that the account had been closed on XX/XX/2024, however I continued to receive collection calls for the account, even though it was now under investigation, and I had never received the card. Moreover, during the investigation, the fraud department was not only able to verify that the transactions were not made by myself, but that they had been made in another state. I honstly believe that this card was used by someone internally. 

Since then, this account has been put on my credit report as a collections account, that I had attempted to dispute multiple times with the proof given below. Each time, XXXX  has sided with the 3rd party debt collector that XXXX had sold my information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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