vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ClearBalance Holdings, LLC
State: FL

Complaint narrative:
FORMAL COMPLAINT FOR PREDATORY LENDING AND DISPUTE OF SERVICES NOT RENDERED This is a formal complaint against XXXX XXXX XXXX ( XXXX ) and XXXX XXXX regarding Account # XXXX. I am disputing the validity of the remaining balance on this account due to consumer fraud and services not rendered by their merchant partner, XXXX XXXX ( XXXX XXXX XXXX, XXXX, FL XXXX ). In XX/XX/year>, I entered into a finance agreement with XXXX XXXX for XXXX treatments. To date, I have only received five ( 5 ) total XXXX treatments. The services have been entirely unsatisfactory and ineffective. I contacted the merchant, XXXX XXXX, to cancel the remainder of the unrendered services on the contract. However, the merchant refuses to issue a pro-rated cancellation credit to XXXX. XXXX has now resumed aggressive collection activity and is demanding monthly payments for the entire balance, explicitly attempting to force me to pay XXXX of dollars for future medical/aesthetic services that I have not received and will not receive. Furthermore, XXXX payment structure is highly deceptive. While my contract states I am on a 12-Month No-Interest Promotion requiring {$310.00} monthly to avoid interest, XXXX deliberately set my auto-payments to a lower amount of {$210.00}. This is a predatory tactic designed to force the promotion to expire so they can hit me with a shocking 34.96 % interest rate and {$1400.00} in hidden service fees. Holding a consumer financially liable for services not rendered is a direct violation of consumer protection laws. XXXX and XXXX XXXX must freeze collection activity and force a merchant audit on XXXX XXXX to credit this account back.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: Figure Technologies, Inc
State: HI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX NV XXXX my future retirement home. I applied first lien Heloc XXXX XXXX and got total {$340000.00} including loan origination fee to XXXX XXXX XXXX XXXX, XXXX DRE : XXXX, XXXX through XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX the clear close mortgage broker. however, it is not a XXXX at all : they never give me a check, payment started right after even a month, not a XXXX daily balance calculations. The most important thing is they never have web site prepayment option ( principal payment only ) I had to call them many time and try to fix it but never resolved it at all. total extra payment over {$17000.00} all they deduct interest first. It's not a HELOC just a scammer! so, I had to sell my property with big loss ( over {$30000.00} ) Please consider this very serious matter. Totally misleading information and bait and switch loan practices. which is a predatory lending!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I am submitting this complaint regarding my Navy Federal Credit Union credit card account. One of the primary issues I experienced was the combination of a high interest rate and delays in transaction posting. Transactions often took an extended period of time to fully post to my account, which made it difficult to accurately determine my true available credit and outstanding balance at any given time. Because pending transactions were not always reflected immediately in a way that clearly represented my actual spending activity, the account balance and available credit information could be misleading. As a result, it was challenging to track my spending, manage payments effectively, and understand the full amount that would ultimately be charged to the account. In addition, the interest charges accumulated quickly due to the high interest rate associated with the account. The combination of delayed transaction posting and substantial interest charges made it difficult to accurately assess the financial impact of purchases and maintain control of the account balance. I believe consumers should be able to clearly understand their actual account balance, available credit, and the effect of interest charges without confusion caused by delayed transaction processing. I am requesting that Navy Federal Credit Union review the handling of this account and provide a clear explanation of the transaction posting process, interest calculations, and how account balances were presented during the period in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX, I have a mortgage with loan care, now bought out to XXXX XXXX and another new named company. I had pay arrangement that I believe is why I can not pay online so I'm forced to call in to complete a bank drafted payment over the phone. I made an almost {$7000.00} payment a few months back to catch all but one payment off as I had just XXXX as an XXXX so I would finally be re stabilized after XXXX forced me to completely change my career. After this my father suddenly passed unexpectedly then XXXX weeks later my XXXX had several XXXX so I needed to move some of the assets around since I could not access retirement/401k from my job that was being bought out from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX starting XX/XX/year>. During this time I've never received anything by mail after the {$7000.00} payment even though I asked for proof in writing about my updated monthly payment amount since I was told different information every time I called. I was told " oh no your amounts actually supposed to be {$1800.00} now instead of the {$1400.00} then told told no one a later call. Now move forward to the past 8 weeks I will try to call to pay since I can't pay online and only get a recording saying if outside of business hours call again during those hours, if in business hours we are sorry but try again later and it just hangs up ( I finally started recording these calls as it continues to happen no matter the time of day or the two numbers you can call ). Anytime I get a call from loan care it's a recording to please call us back but no options to connect to an agent. I am just going in circles just trying to give these people my money, the full amount. Online it's stated its {$9300.00} bit of course it's no went past another due date as of XXXX it's now showing over {$11000.00}. I again out of desperation submitted a document request just so it would send an email to at least a human and just put a note about my attempts to call in and draft the full amount from my savings account. Please, any and all help is greatly appreciated. I don't know what else to do, I have tried any phone number I can find, the ones they call from and all that I find online Any and all help is greatly appreciated.

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
{$510.00} total and I will like it removed off 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX my Bank of America XXXX XXXX credit card was fraudulently charged {$4800.00}. I did not approve this transaction. I filed a fraud claim and it was denied. I appealed the denial and filed a second fraud claim which was subsequently denied again. On XX/XX/XXXX I called Bank of America Existing Fraud Claims for the documentation and data they used to deny my claim and I have not received anything. They told me I would have the paperwork in 5 to 7 days. As of XX/XX/XXXX I have received nothing from Bank of America.I filed an identity theft report with the FTC. The report number is XXXX. I filed a police report with the XXXX XXXX XXXX Fl. Police dept. The report number is XXXX. Bank of America claims the charge either covered an overdraft on a linked deposit account or or was a balance transfer to an account in my name. These claims are erroneous as I approved nothing of the sort nor do I have any knowledge of these accounts.

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 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I went into a Citi branch located on XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX and deposited a settlement check from my employer in the amount of {$8300.00} with the teller on XX/XX/year>. On XX/XX/year> Citi closed my checking account as a result of the deposit which was placed on hold. They informed me that my account was closed and that whatever balance is left over I will be mailed a check after 60 days. They were not able to tell me what is going with my deposit and gave me generic answers.

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I defaulted on a loan during XXXX unable to pay due to government shutdown.XXXX XXXX XXXX closed out my account, sold my information and debt to LVNV Funding LLC XXXX XX/XX/year> XXXX XXXX XXXX client information list is breached sharing all of my personal information across the web. My email account, date of birth, social security number, home address and whatever else! I don't know if I should hold XXXX XXXX XXXX at fault or LVNV Funding. I did not ask for my information to be shared. I am formally asking for a cease and desesed on all my account information being shared!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not acknowledging or in acceptance of the debt. I am requesting validation of this debt and ask that you provide documentation sufficient to verify the obligation

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 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been a loyal Chase customer for more than half of my life and existence. I've accumulated over the years, a good amount of Ultimate reward points, almost XXXX to be exact. I logged on today to find out my Ultimate rewards points balance is back to XXXX. I've had active accounts and credit cards on this same account for XXXX years. After almost XXXX decades as a chase customer, with a XXXX credit score and perfect credit history, I was apalled. My hypothesis is they closed XXXX of my credit card accounts and the Ultimate reward points disappeared with the accounts. I have not received any communication about this in the past year, and I have no idea how this happened. Those points were worth money and other credit card companies usually cash it out or send a check if they close an account with outstanding credits. This was not the case with Chase and when I reached out to their service and executive office, I was told there is nothing they can do. I hope to have a resolution on this and have my hard earned points reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: IL

Complaint narrative:
I am submitting this complaint regarding a debt being reported by Jefferson Capital in the amount of approximately {$1400.00}. After becoming aware of this account, I disputed the debt and requested verification to confirm that the debt was valid, accurate, and properly attributable to me. However, I did not receive sufficient documentation demonstrating the origin of the debt, the calculation of the amount claimed, or documentation establishing that Jefferson Capital had the right to collect the debt. I also disputed the account with the credit reporting agencies because I believed the debt had not been properly verified. Despite my disputes, the account continued to be reported on my credit reports. I do not believe that a meaningful investigation was conducted, nor was adequate documentation provided to support the continued reporting of the account. As a consumer, I believe that debts reported to credit bureaus should be supported by sufficient documentation and that disputes should be thoroughly investigated before negative information continues to be reported. In this case, I do not believe that the debt was properly verified, either by Jefferson Capital or through the credit bureau dispute process. I am seeking clarification regarding the origin of this debt, verification of the amount claimed, and an explanation of the investigation conducted in response to my disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 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: IL

Complaint narrative:
I am submitting this complaint regarding a debt in the amount of approximately {$2200.00} that is being attributed to XXXX. After becoming aware of the account, I disputed the validity of the debt because I do not believe sufficient documentation has been provided to establish that the amount being claimed is accurate and owed. I requested verification of the debt, including documentation supporting the balance, the origin of the account, and an explanation of how the amount was calculated. Despite my efforts to obtain verification, I have not received sufficient documentation demonstrating the basis for the claimed balance of approximately {$2200.00}. As a result, I am unable to determine whether the debt is valid, whether the amount is accurate, or whether all charges included in the balance are appropriate. I am concerned that the debt continues to be reported and/or collected without adequate verification being provided. Consumers should have the ability to review documentation supporting a debt before being expected to accept responsibility for the balance. I am requesting a complete accounting of the debt, including the original account information, billing records, charges that make up the balance, and documentation supporting the amount being claimed. I am also requesting verification that the debt is accurate and properly attributable to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
Loan refinanced with XXXX billing statements ( XXXX ) ( XXXX ) stating that the first payment would be due XX/XX/XXXX. XX/XX/XXXX received a notice that I had missed the XX/XX/XXXX payment which was not noted in the welcome letter or the XXXX or XXXX billing statement. This caused me to have to make a payment late XXXX that I was not prepared to make and then again in XXXX which was when I was told the XXXX payment would be due. I spent XXXX minutes on the phone with customer service to pretty much be told that the billing statements and welcome letter dates must have just been in error and that if they refund my payment that I made in XXXX it could potentially affect my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is reporting a collection account on my XXXX XXXX, and XXXX credit reports with a balance of {$6100.00}, opened XX/XX/year>. I do not acknowledge ownership of or liability for this alleged debt. I submitted a written dispute to LVNV Funding LLC demanding validation of this debt. LVNV has not provided any lawful validation and has transferred the account to XXXX XXXX XXXX XXXX for collection while continuing to furnish this unverified account to all three credit bureaus. VIOLATION 1 FCRA 15 U.S.C. 1681s-2 ( b ) : As a furnisher of information, LVNV is required to conduct a reasonable investigation upon notice of dispute and correct or delete information that can not be verified. LVNV has failed to do so. VIOLATION 2 FCRA 15 U.S.C. 1681i : Unverifiable items must be deleted from consumer credit files. LVNV continues to report this account despite being unable to provide validation. VIOLATION 3 FDCPA 15 U.S.C. 1692g ( b ) : LVNV sold the debt to XXXX XXXX, which has since engaged in nine documented instances of unlawful collection activity including deceptive practices, while LVNV continues to report the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I deposited a XXXX credit card rewards check into my XXXX XXXX XXXX BofA account, of which has had dozens of these checks deposited into. BofA placed a 10 day hold on the check with no cited reason. When I called the customer service department I waited on hold for over XXXX hours with the supervisor XXXX employee ID # XXXX who was supposedly on hold on an outbound call what I thought she first said was XXXX XXXX ( the check issuer ) then towards the XXXX hour hold mark came back on to tell me that the department in BofA she was on hold with unforetunetly closed. I was escalated and transferred to XXXX XXXX ID XXXX. Neither could give me an explanation as to why the check needed a 10 day hold other than something about clearing house, federal reserve, and needing to verify funds of issuer. Being that the department within BofA that needs to be communicated with is now closed I am going to continue escalating until I don't even know. I've already got XXXX hours and XXXX minutes invested. Highly alarming that a 'trusted " bank and national institution can arbitrarily withhold {$10000.00} against the wished of the customer.

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 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I initiated an international money transfer of {$3000.00} through Ria Money Transfer ( Order # XXXX ) to XXXX. Ria Money Transfer cancelled this order on XX/XX/XXXX not me. Under the CFPB Remittance Transfer Rule, I was entitled to a full refund within XXXX business days, by approximately XX/XX/XXXX. As of XX/XX/XXXX, I have not received my refund. When I contacted Ria, they stated a refund attempt was made on XX/XX/XXXX XXXX day after the transfer was initiated and XXXX days BEFORE the order was officially cancelled on XX/XX/XXXX, which is contradictory and unexplained. They also stated in writing they " don't have an answer, but instead they mentioned because of the amount '' for why the refund failed. They have refused to retry the electronic refund and are offering only a paper check via standard XXXX mail, which will take an additional XXXX business days after approval where it ends up around XXXX days from the initiated transfer date. The check has not even been approved or issued yet as of this complaint date. I have all email correspondence documenting Ria 's responses available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
There are criminals hacking my XXXX numbers. They have used {$150.00} credit that had available. The company pretends that it was interest charged to cover for the woman who has taken the money.I believe that her name is XXXX XXXX or an XXXX XXXX. She continues to go into my account with a spoofed number.She is a criminal. I am asking the company to give me the {$150.00} credit that I had available. I made XXXX payments of {$89.00}. These payments are enough to cover XXXX months of payments. I lost my mother, XXXX XXXX and I am on the brink of homelessness. I am XXXX XXXX. This is sad. This is repeated criminal behavior. Please refund the money that has been stolen.

Company response to consumer: Closed with explanation