vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
from XX/XX/year> to XX/XX/year>, I made a about XXXX deposits ( reaching XXXX figures ) into my Synchrony Bank account. Shortly after, the bank froze my account stating it was under review. More than a month has passed since then, and my account remains locked without a clear explanation or an estimated resolution timeline. Impact : I do not have access to my deposited funds. I have contacted customer service several times but have not received concrete information about the reason for the freeze or when it will be resolved. This situation has caused me financial difficulties and stres because im unemployed and im behind on my utility bills, to the point that I've had to borrow money to put food on my table

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 2026-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I am filing a complaint against [ Mortgage Company Name ] regarding their refusal to provide reasonable mortgage assistance after I experienced a financial hardship due to being laid off. After losing my job, I contacted the company promptly to request assistance, including options such as a loan modification, or other hardship programs. Despite my efforts to communicate and provide necessary documentation, the company has either denied assistance without clear justification or failed to offer reasonable alternatives. I made it clear that my hardship is temporary and that I am actively working to regain financial stability. However, instead of working with me, the company has not shown willingness to provide support or explore available options that could help prevent default or foreclosure. This situation has caused significant financial and emotional XXXX. I am trying to act in good faith to keep my home and avoid falling further behind, but the lack of cooperation from the mortgage company is making that extremely difficult. Im having trouble catching up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This collection account contains inaccurate, incomplete, and unverified information. I previously disputed this item with the credit bureaus and/or the furnisher, but the information continues to be reported without proper validation. Under 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable investigation and delete any information that can not be verified. Under 15 U.S.C. 1681s2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection and provide validation upon request. The furnisher has not provided proper validation, yet continues to report this account, which is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX- Acct # XXXXXXXX XXXX XXXX Issue : The account is inaccurately reported as a charge-off with a balance of {$57000.00}. Relevant Law : 15 U.S.C. 1681i ( a ) Duty of Reinvestigation 15 U.S.C. 1681e ( b ) Ensure Maximum Possible Accuracy XXXX XXXX 4.2 Accuracy of Account Status TILA Truth in Lending Act 15 USC 1692g Debt Validation 15 USC 1692e False or Misleading Representations Demand : I demand a thorough investigation and correction of this account status. If the account can not be verified with the original creditor, it must be deleted.

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I am filing a complaint against Capital One regarding improper billing practices while I was enrolled in a hardship/repayment program. I entered into this program in good faith and made all required payments as agreed. My minimum monthly payment under the program was {$110.00}, which I paid consistently and on time. Despite my compliance with the terms of the repayment agreement, Capital One charged an additional {$40.00} past due amount during the first and second payments. However, notably, this fee was not charged during a subsequent payment period, demonstrating inconsistent application of the charge. This discrepancy suggests that the assessment of these past-due fees was not systematic or required under the program terms, but rather applied inconsistently and at the companys discretion. This is contradictory to the purpose of a structured repayment or hardship program, which is intended to bring the account current under modified termsnot to continue assessing delinquency-based charges while the consumer is in compliance. I believe this practice is unfair and potentially deceptive under the Truth in Lending Act and the Credit Card Accountability Responsibility and Disclosure Act, which require transparent, fair, and clearly disclosed billing practices. I have attempted to resolve this issue directly with Capital One, but they have declined to correct the charges or provide a satisfactory explanation. I am requesting that all improperly assessed past-due charges be refunded and that my account be reviewed for compliance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding a denied credit card dispute for a {$2000.00} charge ( and an additional {$500.00} via debit card separately ) to XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX presented itself as an IT staffing firm offering assistance and training services under an XXXX XXXX. The services included resume preparation, technical training, mock interviews, and placement assistance with a 150-day timeline. I did not receive any services from the company after making the payment. Within approximately one week of payment, I contacted the company and requested a refund because no services had been delivered. The company informed me that I had signed a 6-month contract and told me that I must wait for the full contract period. They stated that after 6 months, they would refund my money if services were not completed. Based on this, I waited in good faith, trusting their representation. However, the company failed to provide the promised services and eventually stopped responding completely to all communication attempts. After the 6-month period, they did not issue any refund and did not respond to my requests. I also sent a formal demand letter on XX/XX/XXXX, but received no response. I filed a dispute with Bank of America under services not rendered. However, my claim was denied solely due to the 60-day notification rule. I was unable to dispute the charge within that timeframe because the merchant explicitly instructed me to wait for the contract period and led me to believe that a refund would be issued after 6 months. I am requesting that Bank of America reconsider my dispute based on the nature of this ongoing service and the merchants actions that delayed my ability to dispute the charge. I am also aware that other individuals who engaged with this company have experienced similar issues, including lack of service delivery and non-responsiveness, and have raised disputes with their credit card providers. This suggests a pattern of conduct by the merchant. This situation has caused significant financial hardship, as I am a XXXX and this amount is substantial for me. I respectfully request a fair review and resolution of this matter.

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 2026-04-13 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: Block, Inc.
State: MD

Complaint narrative:
11 days ago I noticed that the {$76.00} I had in my Cash App account the day before was no longer there, with a big {$0.00} in its place. I submitted a complaint and they told me it would be up to 10 days, and that theyd try to expedite the process. It has been 11 days, so I went to the chat again to try to talk to another customer support agent to find out whats going on. They gave me the same script as always. Im clearly agitated now, and theyre just repeating themselves. They were more concerned with the language I was using, ( you dont have to kiss my XXXX, just get me my money back ) than they were with my actual concern, that there was no reason for {$76.00} to be missing from my account. Then he says our team has completed its investigation and provided the final outcome for the concerns you raised. I understand this isn't the result you were hoping for. Since this matter is now closed, I'm going to close this chat as well. So they did not find the problem, they did not fix the problem, and they did not get me my money back. Even though if you balance the transactions ( starting at {$0.00} before the tax refund was deposited ) it is obviously {$76.00} that should be the remaining balance. They did nothing to solve the problem, while repeating scripts like your satisfaction its important to us and telling me to watch my language when I was not insulting them. Im outraged. I am well below the poverty line and {$76.00} is a large amount of money for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank is RUTHLESS with CONSTANT calls and calling on weekends and nights- They have OVER stepped and it IS harrassment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
I am submitting a complaint regarding CrossCountry Mortgages failure to disburse my property taxes from my escrow account following a servicing transfer, resulting in delinquent taxes and penalties. My mortgage servicing was transferred from XXXX XXXX to CrossCountry Mortgage in XX/XX/XXXX. Prior to the transfer, XXXX XXXX XXXX escrow analysis clearly indicated the estimated XXXX XXXX property taxes to be paid from my escrow account after transfer. However, CrossCountry Mortgage failed to make this disbursement. As a result, my property taxes in the amount of {$270.00} were not paid and became delinquent. I became aware of the issue on XX/XX/XXXX, when I received an overdue tax notice from the XXXX of XXXX XXXX. I immediately contacted CrossCountry Mortgage by phone the same day to report the issue and request guidance. Despite multiple follow-ups and providing complete documentation, CrossCountry Mortgage has failed to investigate or resolve the issue in a timely manner. My attempts to resolve this matter are documented below : Tuesday, XX/XX/XXXX : Contacted CrossCountry Mortgage by phone after receiving an overdue tax notice. Saturday, XX/XX/XXXX : Submitted initial written complaint with supporting documentation. Wednesday, XX/XX/XXXX : Sent follow-up inquiry ( 13 business days later ) requesting a status update. Monday, XX/XX/XXXX : Contacted CrossCountry Mortgage by phone and spoke with a representative who confirmed the issue had not yet been reviewed and advised me to resend my documentation so it could be flagged for attention, and it should be reviewed within 8 business days. Monday, XX/XX/XXXX : Resent and reforwarded all documentation and emails per instructions from the CrossCountry representative. Monday, XX/XX/XXXX : Received delinquent tax notice via mail from XXXX XXXX treasurer indicating my property taxes have still not been paid and this has still not been resolved. It has now been 10 business days since my XX/XX/XXXX call, and I have still not received any communication, update, or resolution. To date, the delinquent taxes remain unpaid, and I have not received confirmation that CrossCountry Mortgage will correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit System ( XXXX ) is reporting a {$11000.00} collection account on my XXXX credit report, Account XXXX, claiming I owe money to XXXX XXXX XXXX XXXX XXXX XXXX. I have never resided at this property. I never signed a lease with this landlord. This debt does not belong to me. I am in possession of a letter dated XX/XX/XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX Georgia XXXX, which confirms that XXXX transferred this account to XXXXXXXX XXXX XXXX XXXX transferred this debt in XXXX yet continues to report it on my XXXX credit report as of XX/XX/XXXX, which is two years after the transfer. A furnisher who has transferred a debt has no legal right to continue reporting it. This is a violation of FCRA Section 623 ( a ) ( 2 ) requiring furnishers to report only accurate information. When I contacted XXXX they confirmed they no longer hold this account. They therefore can not verify the accuracy of this entry and must delete it. Additionally this debt does not belong to me. I never lived at this property and never had any lease or financial relationship with XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding XXXX immediately delete Account XXXX from XXXX, XXXX, and XXXX. I have sent formal written notice to both XXXX and XXXX XXXX XXXX XXXX. and have received no deletion. I am requesting the CFPB investigate XXXX 's practice of continuing to report debts they have already transferred to third party collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I am writing to file a formal complaint against Barclays Bank Delaware ( Barclaycard US ) regarding their repeated failure to properly renew my credit card that is set to expire on XX/XX/XXXX. Despite multiple contacts and the issuance of three replacement cards in the past week, the new cards continue to show the same incorrect expiration date of XX/XX/XXXX, rendering them useless for long-term use after that date. Timeline of Events : -- In early XX/XX/XXXX, I contacted Barclaycard US because my card was approaching its expiration date of XX/XX/XXXX and requested a new card. -- I received the first replacement card, but it still listed the expiration date as XX/XX/XXXX. -- I called customer service immediately. A representative informed me that they would need to issue a new card with a changed card number to correct the expiration date. -- I then received a second card with a new card number, but the expiration date remained XX/XX/XXXX. -- I called again and was told the same thing that issuing yet another new card number would resolve the issue. -- I received a third replacement card within the last week, again with a different card number but the identical expiration date of XX/XX/XXXX. This has created a frustrating and unnecessary cycle. Each time, representatives assured me that simply changing the card number would update the expiration, yet this has not occurred. I am now concerned that after XX/XX/XXXX, my account will not function properly for recurring payments, online purchases, or in-person use, and I have already spent significant time on the phone dealing with this issue.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: WA

Complaint narrative:
Transaction ID # XXXX Subject : Complaint Regarding Missing International Money Transfer Abound I am submitting this complaint regarding an unresolved international money transfer handled by Abound. On XX/XX/year>, I initiated a transfer to XXXX through Abound in the amount of $ XXXX.The funds were withdrawn from my account on that same date. However, as of today, the recipient has not received the funds, and the transfer remains unresolved. The expected delivery timeframe provided by Abound was 10 to 12 business days. This timeframe has now been significantly exceeded. I have attempted to contact Abound regarding this issue on multiple dates back but I have not received a satisfactory response or resolution. Under my rights pursuant to Regulation E ( Electronic Fund Transfer Act ), I am requesting : - A full investigation into this transaction - Immediate confirmation of the current status of the transfer - Recovery and return of my funds if the transfer can not be completed - A clear explanation for the delay or failure This situation involves a significant delay in an international transfer and has caused financial disruption and concern. I expect prompt resolution in accordance with federal consumer protection laws. Please contact me at XXXX or XXXX ] for any additional information. Sincerely, XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
I am filing a complaint regarding incorrect PSLF payment counts on my federal student loans. I have verified qualifying employment and have been informed by loan servicer representatives that I have made the required 120 qualifying payments. However, my account reflects fewer payments due to an apparent gap between XXXX. This gap is incorrect. I have qualifying payments from the same employer during this period that are not being reflected in the system. Multiple representatives have confirmed that the payments exist but have not been properly applied. I have submitted PSLF forms, employment certifications, transcripts where representatives confirmed that they can see that the gap is incorrect and prior complaints and have been waiting over a year without resolution. I also submitted a PSLF buyback request, which was denied due to the same incorrect gap, confirming this is a system error rather than an eligibility issue. This error is preventing my loan forgiveness and causing financial harm due to continued required payments. I am requesting a manual correction of my PSLF qualifying payment count and immediate review of the missing XXXX period.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: LA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: LA

Complaint narrative:
I am submitting a complaint regarding a significantly delayed Public Service Loan Forgiveness ( PSLF ) Buyback/Reconsideration request that has not been processed within a reasonable timeframe. Application type : PSLF Buyback / Reconsideration Submitted : XX/XX/year> Current status : Pending for over 8 months with no substantive update I have already reached 120 qualifying PSLF months ; however, I require a buyback determination due to periods of SAVE Plan-related forbearance that are preventing my loans from being discharged. I have contacted my loan servicer multiple times and have been unable to obtain any meaningful status update or estimated timeline. I also submitted a case to the XXXX XXXX XXXX XXXX XXXX ( Case # XXXX ), but received a generic response stating that they can not assist with status inquiries or expedite processing. This delay is preventing timely loan forgiveness despite my eligibility and is causing financial harm. I am also currently required to transition from the SAVE repayment plan due to its phase-out, which may require income recertification and a change in repayment plan. Without a decision on my buyback request, I can not accurately finalize my PSLF status or repayment strategy. I am requesting : Immediate review of my PSLF Buyback/Reconsideration request Confirmation of my qualifying payment count and eligibility for discharge Expedited processing given that I have already met 120 qualifying months This delay exceeds reasonable expectations and is preventing discharge of loans for which I have already met PSLF requirements.

Company response to consumer: Untimely response