vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
In XXXX and XX/XX/XXXX2025 I financed an AirSculpt procedure through XXXX Bank XXXX XXXX Body XXXX XXXX XXXX, North Carolina XXXX The total amount financed through XXXX was {$8900.00}, with an additional deposit paid separately. The procedure was performed in XXXX 2025. After healing and allowing sufficient time for results, the outcome did not reflect what was represented during my consultation. I contacted the provider to address my concerns and requested a resolution. The provider denied my request and stated that every body is different, refusing any form of refund. Because the provider refused to resolve the issue directly, I attempted to dispute the charge through CareCredit/Synchrony Bank XXXX My initial complaint was closed in favor of the merchant based only on documentation showing that the transaction occurred and that I signed their financial agreement. However, my dispute is not about authorization of the charge. My dispute concerns the services not being rendered as represented and the provider refusing to address the issue or offer any reasonable resolution. I am not satisfied with Synchrony Banks response to my complaint. Their response relies solely on documents provided by the merchant and does not address the substance of my dispute. My complaint is not that the transaction was unauthorized, but that the services provided by XXXX XXXX XXXX ( XXXX XXXX ) were not rendered as represented. I attempted to resolve the matter directly with the provider, but was denied refund since the charge is through CareCredit. Additionally, the provider has failed to respond to my Attorney General complaint regarding this matter. Synchrony states they are unable to judge the quality of XXXX XXXX, yet the dispute concerns misrepresentation of services and failure to provide the results that were marketed and promised. A new billing dispute has now been opened with Synchrony on XXXX XXXX, 2026, and I am requesting that this investigation be conducted thoroughly and fairly with full consideration of the documentation and evidence I have provided. I am requesting appropriate relief through reversal of the charge.

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 2026-03-09 00:00:00
Product: Mortgage — VA 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket mortgage has been stating that I have not been making payments. They say they reverse them but has a debt and take the money out. On my XXXX my account number is XXXX....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thaddeus Bechtle Attorney at Law, LPC
State: VA

Complaint narrative:
Illegally collecting on debt that's already paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Fraudulent, credit card verification text message sent without my knowledge. Called customer service for credit card bureau Capital One and was told to contact non emergency line and file a report online. As speaking with the credit card company I told XXXX to NOT send out card and I did not authorize this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: IN

Complaint narrative:
Continental Finance Company is furnishing a credit card account to the credit reporting agencies that I dispute as inaccurate and unverifiable. I previously disputed the account and requested documentation verifying the accuracy of the information being reported, including the original credit agreement and a complete payment history for the account. The requested documentation has not been provided. Under the Fair Credit Reporting Act, companies furnishing information to consumer reporting agencies must conduct a reasonable investigation and ensure the maximum possible accuracy of information reported. If the account information can not be verified with competent documentation, the tradeline should be deleted from my credit reports.

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 2026-03-09 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I purchased XXXX Vanilla Visa gift cards issued by InComm Inc. for {$500.00} each ( {$1000.00} total ) from XXXX. On the same day of purchase, I attempted to use both cards online, but both transactions were declined. I then contacted the customer service number listed on the back of the cards. During that call, customer support informed me that the cards were potentially compromised. On XX/XX/year>, customer support stated they would cancel the compromised cards and send replacement cards with the full balances ( {$500.00} each ). I was told the replacement cards would arrive by mail. After waiting two weeks and not receiving the replacement cards, I contacted customer service again. During the second call, I was told that the replacement cards had already been used by someone else. I did not receive these replacement cards and did not authorize any transactions. I believe the cards were either intercepted in transit or fraudulently accessed before delivery. On XX/XX/year>, I completed and submitted the dispute forms requested by the company and provided supporting documentation, including : - Purchase receipt - Photos of the original card packaging - Dispute forms for both cards - Copy of Driver 's License - Copy of utility bills However, the company has not responded to my dispute and has not refunded or replaced the stolen funds. It has now been 15 months with no response despite my attempts to follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc.
State: GA

Complaint narrative:
This company trying to collect a debt from me when they received the product back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
In early XXXX 2025, I attempted to close/deactivate my SoFi profile XXXX The system blocked the closure, citing a pending home loan application. However, that application had already been closed and its status clearly shows " no longer active. '' I called SoFi XXXX XXXX XXXX department multiple times. Each time, they confirmed the application is closed on their end and stated there was nothing more they could do. When I contacted SoFi 's chat support, the agent acknowledged seeing a " pending application '' in their backend system but was unable to provide any reference number or identifier for it, making it impossible for me to resolve the issue with the loan department. The agent repeatedly redirected me to the same loan department phone number despite being told multiple times that the loan department had already confirmed the application was closed and could not help further. When I sent the same question multiple times to get a response, the agent accused me of " spamming '' rather than answering. The agent refused to escalate to a supervisor or technical team, and could not explain what the pending application was or who was responsible for clearing it. This appears to be a system error a ghost application blocking account closure that no department is taking ownership of resolving. I have been unable to close my account despite repeated attempts over multiple weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I received a settlement agreement for the loan on vehicle, i agreed to terms of settlement, was provide a title to vehicle but it's still showing Account charged off. {$5500.00} written off. {$3300.00} past due as of XXXX XXXX was told that the settlement status of paid will reflect my credit report but has not been updated.

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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
On or about XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and more, I made a payment of {$1000.00} toward my auto loan with Bridgecrest. This payment was greater than my required monthly payment because I intended for the additional amount to be applied toward the principal balance of the loan. After reviewing my account, I discovered that Bridgecrest did not apply the excess portion of my payment to the principal balance. Instead, the company applied the additional funds as advance payments toward future monthly installments. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more, I contacted Bridgecrest customer service to request that the excess portion of my payment be applied directly to the principal balance of my loan. I explained that my intention was to reduce the principal balance and the total interest over the life of the loan. Bridgecrest informed me that the extra funds would remain applied as future payments rather than being applied to the principal balance. I also reviewed the companys website and account payment options and found that there is no available option that allows customers to designate additional payments as principal-only payments. Because of this, I am unable to ensure that my additional payments are applied toward the principal balance of my loan as intended. I believe this practice is unclear and prevents consumers from reducing their loan balance when making payments greater than the required monthly amount. I am requesting that my overpayments be applied toward the principal balance of the loan and that the company provide a method for customers to designate future additional payments as principal-only payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
There were a few court hearings to Force Me Out of Lease. 3-4 were dismissed due to lack of knowledge on management behalf. At the time of last hearing XXXX XXXX, I was not in contract with the XXXX XXXX XXXX, nor Collection Agency. Judgement was ruled in Favor of Plaintiff, due to lack of Timely filing on My behalf. There was no debt owed to complex, on any of court filings. About a Month or Two later I received a letter stating I owed {$1900.00} for attorney fees. I sent a letter to company, requesting evidence in the amount in question, they responded with a copy of Old Lease. XXXX XXXX as I was checking My credit report, I noticed that same company has now brought that {$1900.00} to {$30000.00}. 18 months of {$1900.00} does not even add up to XXXX. I Do Not Owe XXXX XXXX XXXX/ nor XXXX, nor The Collection Agency PROCOLLECT , INC . I would greatly appreciate a full investigation into this false and misleading information that is now falsely on My credit report.

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 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian Account Number- XXXX Balance- {$370.00} Date Open- XX/XX/year>2022 XXXX Unverified Collection/Account XXXX : I dispute the XXXX account XXXX XXXX is reporting this account with inconsistent balances and delinquency dates. No contract or billing records have been provided. Under FCRA XXXX ( b ) and XXXX ( a ), unverifiable accounts 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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am disputing the denial of fraud Claim # XXXX by Bank of America. On XX/XX/year>, an unauthorized {$900.00} withdrawal was made from my checking account via ATM through physical interference and larceny by trick. A third party ( identified in police records ) accompanied me to the ATM under false pretenses. While I was logged into the machine, he physically reached over and manipulated the screen to withdraw {$900.00} without my consent or authorization. Although the individual briefly handed me the cash to create a false appearance of a voluntary transaction for the ATM cameras, he took the funds back immediately. I received no benefit from this transaction. I have filed a formal police report with the XXXX XXXX XXXX ( Complaint # XXXX ), where this incident is classified as XXXX XXXX. Bank of America 's denial letter dated XX/XX/year>, claims the transaction was 'authorized, ' but this ignores the evidence of physical interference and the active criminal investigation. Under Regulation E, this transaction was unauthorized as I did not initiate it and received no benefit. I request a full human review of the ATM footage and a reversal of the denial.

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 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contacted midland credit to report a severe financial hardship and they did work a lower payment plan but voided my settlement for less and didnt tell me in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XX/XX/year> - true accord did in fact contact and disclose personal information about an alleged debt to a known third party. XX/XX/year> True accord did in fact contact and disclose alleged debt information to a known third party. XXXX party email was never listed on any account, so they had to do some research to find associations. Company has ignored my requests and refuses to acknowledge my attempts to contact. XX/XX/year> - Sent debt validation request, cease and desist letter. XX/XX/year> - requested any further communications to go through writing and me specifically and not to contact my employment or third parties. XX/XX/year> - contacted attorney. XX/XX/year> - Did file complaint with the CFPB complaint Page.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : Halsted Financial Services / Compliance Dept. Address : XXXX XXXX XXXX XXXX XXXX XXXX RE : NOTICE OF CONDITIONAL ACCEPTANCE ; DEMAND FOR VALIDATION & FORMAL GRIEVANCE Ref # : XXXX | Current Creditor : XXXX XXXX XXXX | Original Creditor : XXXXXXXX XXXX XXXX XXXX ) To the Officers of Halsted Financial Services : I am in receipt of your electronic communication dated XX/XX/XXXX. I conditionally accept your claim for value, provided you strictly fulfill the following conditions of proof and demonstrate compliance with the Fair Debt Collection Practices Act ( FDCPA ) : PROOF OF DEBT & CHAIN OF TITLE : Provide a complete " Chain of Title '' from the original creditor to XXXX XXXX XXXX. Pursuant to 15 U.S.C. 1692g, I dispute the validity and amount of this alleged debt. UNAUTHORIZED ELECTRONIC COMMUNICATION : I have received an email from your office for which I did not provide prior express consent. Pursuant to 15 U.S.C. 1692c ( a ), I hereby designate email as an inconvenient medium. Cease all electronic communications immediately. HOLDER IN DUE COURSE : Prove that your client is the holder in due course of the original, wet-ink Negotiable Instrument pursuant to UCC 9-105 . CEASE AND DESIST HARASSMENT ( 15 U.S.C. 1692d ) : Any further contact outside of U.S. Mail shall be documented as a violation of my right to be free from harassment, oppression, and abuse. ACCURATE REPORTING ( 15 U.S.C. 1692e ) : Any failure to communicate that this debt is " disputed '' to any credit reporting agency is a direct violation of Section 807 ( 8 ). I demand proof that no false representations have been made regarding the legal status of this debt. NOTICE OF ADMINISTRATIVE REMEDY : Failure to provide point-for-point validation within thirty ( XXXX ) daysincluding proof of your right to collect and a GAAP-certified audit of the alleged accountwill be deemed as " Equitable Estoppel. '' PRIVATE FEE SCHEDULE : Be advised that any further non-compliant communication ( calls, emails, or third-party contacts ) following this notice shall trigger my Private Fee Schedule at a rate of {$2500.00} per occurrence, for which you and your principals shall be held jointly and severally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: GA

Complaint narrative:
This company trying to collect a debt from me when they received the product back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/XXXX, I bought a plane ticket for {$550.00}, I was charged for the ticket and also overcharged for a ticket from the same company, XXXX XXXX by {$55000.00}. How and why did Chase XXXX XXXX let this happen when I have a credit limit of $ XXXX? And why am I responsible for this mistake? XXXX XXXX credited me back, but then Chase also credited me back. I did not understand why they did this. It created a No interest, no balance due, until XX/XX/XXXX, then all of a sudden {$36000.00} was credited to my business bank account from the Chase Credit. Then in XX/XX/XXXX, they ADDED the $ XXXX charge that they erronously put on my account back onto my account and now I have a balance of $ XXXX and I have been paying over {$1500.00} in interest alone each month and I can't keep doing this and the credit card company will do nothing. All my purchases since XX/XX/XXXX totaled XXXX so no matter what, it is impossible I owe them $ XXXX and they never communicated any of this to me after the first initial dispute and credit of $ XXXX. The original company acted quickly and fixed their error. It was fine but Chase erronously credited my account and then caused this entire negative situation. I have spreadsheet of month to month, the initial letter from chase about the $ XXXX charge. Chase Bank credit card dispute department will not help me, they say my dispute case is closed and refuse to reopen it. Chase bank collections will not help me because they say since I am paying the minimum payment and my account is current they won't help me. Chase bank, dispute department had the audacity to tell me " I won '' and that they will not even remove or lower the interest rate because they are not allowed.

Company response to consumer: Closed with explanation