vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 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: TX

Complaint narrative:
I am the primary cardholder on a XXXX XXXX XXXX XXXX XXXX issued by Synchrony Bank. This complaint concerns a XXXX charge processed as XXXX in the amount of {$200.00}. 
I booked XXXX XXXX through XXXX but later needed to cancel. The reservation terms indicated that I could cancel, but when I tried to do so, XXXX XXXX would not process the cancellation and I could not reach customer support to fix it. Because of this, the reservation was never properly canceled, but I did not stay at the hotel and did not receive any services. 
I disputed the charge with Synchrony Bank as a billing error for services not received. Synchrony initially issued a temporary credit, then reversed the credit and denied my dispute. My online account now shows that my dispute was denied and that I am responsible for the charge. 
I have already filed CFPB complaints about this same transaction, but Synchrony has repeatedly told the CFPB that my dispute is still being worked or ongoing, even though the banks own records show that the dispute has been closed and the charge rebilled to me. 
I believe Synchrony has mishandled my billing error dispute. I am requesting that the CFPB require Synchrony Bank to : ( XXXX ) reopen and properly investigate my dispute, ( XXXX ) permanently remove the {$200.00} charge from my account, ( XXXX ) remove all related interest and fees, and ( XXXX ) correct any negative credit reporting related to this dispute.

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
AARGON AGENCY Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$350.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$350.00} Balance updated XX/XX/XXXX Recent payment - 0 Monthly payment - 0 Original balance {$350.00} Highest balance

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 2026-02-05 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: CA

Complaint narrative:
On XX/XX/XXXX, I got an alert on my XXXX XXXX application that I had a XXXX XXXX change from XXXX down to XXXX. I researched to see why the drastic change. Came to find that I was referred for Collections by the creditor, LVNV funding for {$550.00} on XX/XX/year>. I found the phone # for creditor and called them. Gave them my name, email, etc. and Resurgent ( LVNV parent co ) XXXX XXXX told me I dont have an account linked to them. I went to a XXXX XXXX to see if they could look into it and they couldnt find anything and asked if I had called the creditor and assured them I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Guild Holdings Company
State: NE

Complaint narrative:
CFPB Isn't doing ANYTHING!!!!, XXXX Mortgage is still doing nothing for progress. They had me XXXX way XXXX XXXX XXXX for papers that the underwriters needed, which the XXXX employee stated DOES NOT EXIST, then the mortgage lender started stammering over her words asking for any paperwork which i have sent numerous times. XXXX Mortgage literally laughed at me and said " this is the process '' they laughed at my claims made to XXXX the CFPB. I was supposed to close at XXXX XX/XX/2026 ( Tomorrow ) now I sit here being laughed at by XXXX Mortgage XXXX and XXXX  complaints to a company that is doing NOTHING!!! I researched the XXXX  of XXXX Mortgage. XXXX XXXX. Perhaps you can call her because your little emails to XXXX are not working. XXXX that is the number to the XXXX. I need RESULTS BEFORE THE END OF THE BUSINESS DAY XX/XX/2026.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I am submitting this formal complaint regarding repeated and unauthorized loan application activity and credit denial notices sent to me by Buffalo Lake Lending.

I have never applied for a loan with this company. Despite this, I have received multiple loan application and credit denial communications from Buffalo Lake Lending. These notices indicate that my personal information is being used, processed, and retained without my consent.

Previously, I filed a complaint requesting that this activity stop and that my information no longer be used or disclosed. Despite that request, the communications have continued, indicating that my information is still being improperly shared, accessed, or leaked.

This conduct raises serious concerns, including but not limited to : Unauthorized use of my personal information Potential violations of the Fair Credit Reporting Act ( FCRA ) Failure to honor my prior request to cease processing my data Inadequate safeguards to prevent misuse or unauthorized applications I am demanding the following actions immediately : Written confirmation that all unauthorized applications associated with my information have been closed and voided A full explanation of how my personal information was obtained and used Confirmation that my data has been removed from your systems and will not be shared or processed going forward Written assurance that no further loan-related communications or credit inquiries will occur If this issue is not promptly resolved, I will pursue further complaints with appropriate regulatory agencies and consider additional legal remedies. 
Please respond in writing within a reasonable timeframe.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 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: DISCOVER BANK
State: NY

Complaint narrative:
Issue : Account remains suspended after hardship program removal and substantial payments, with no guidance provided Complaint : I have been a Discover customer for approximately 15 years and am seeking assistance resolving an ongoing suspension of my credit card account. 

Discover informed me that my account was suspended due to being enrolled in a payment hardship program. A representative advised me that removing the hardship status might help lift the suspension. I followed that guidance and removed the hardship program as instructed. 

Since then, I have paid down approximately {$6000.00} of my balance in good faith. 

However, my account remains suspended. 

I have contacted Discover multiple times by phone ( using TTY due to temporary voice loss ) and through online chat. I am consistently told only that my account is still suspended, but no one can provide a clear explanation, review criteria, or specific steps required for reinstatement. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I am submitting this complaint regarding a loan modification processed by Freedom Mortgage Corporation XXXX XXXX XXXX mortgage. 

My original XXXX  loan was originated in XX/XX/XXXX as a XXXX fixed-rate mortgage at XXXX %. At the time I sought XXXX assistance, I was approximately XXXX months delinquent. Prior to the modification, my monthly payment was significantly lower and the loan had been performing for several years. 

In XX/XX/XXXX, Freedom Mortgage approved a loan modification that materially changed the terms of my loan. The modification increased my interest rate from XXXX % to XXXX % ( fixed ) and extended the loan term from the original XXXX years to XXXX  years ( XXXX months ), resetting the maturity date to XX/XX/XXXX. The new principal balance also increased due to capitalization of arrears. 

While I understand that XXXX allows certain loss-mitigation tools, I am concerned that : I was not clearly informed that my low fixed interest rate would be permanently replaced with a much higher rate. 
I was not presented with or given a meaningful explanation of alternative XXXX loss-mitigation options, such as an XXXX  Partial XXXX or XXXX that could have preserved my original interest rate and loan term. 
The XXXX term extension did not result in a proportionate or meaningful reduction in my monthly payment relative to the long-term cost imposed. 
The long-term financial impact of restarting the loan amortization clock and increasing the interest rate was not clearly disclosed or compared to other available options. 

Based on my circumstances ( limited delinquency, long prior payment history, and an existing fixed-rate XXXX loan XXXX, I believe the modification prioritized servicer risk mitigation over borrower sustainability without adequate transparency. 

I am requesting that Freedom Mortgage provide : XXXX. A written explanation of why an XXXX XXXXXXXX XXXX or other loss-mitigation option that preserved my original XXXX % rate was not offered or approved. 
XXXX. Documentation showing which loss-mitigation options were evaluated and the criteria used. 
XXXX. Confirmation that the modification complied with XXXX  servicing guidelines and consumer disclosure standards. 

I also recently inquired about removal of mortgage insurance due to substantial equity and was informed this was not possible, further highlighting the long-term financial impact of the modification and the importance of whether alternative XXXX options were properly evaluated and disclosed I am not seeking immediate XXXX XXXX XXXX XXXX at this time, but I am requesting a formal review, clarification, and written response addressing the concerns above. 

Thank you for your assistance. 

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 2026-02-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : Update Capital One Continuing Collection After Dispute Message : I am submitting an update to my complaint. On XX/XX/2026, Capital One sent me an email demanding payment and threatening credit reporting. The email states this is an attempt to collect a debt. My account is in active dispute, and Capital One has already responded to the CFPB. Their new communication shows continued collection activity and threats of adverse reporting after the dispute. I am requesting that this update be added to my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I am disputing an alleged debt related to a XXXX account that was canceled promptly. XXXX issued charges that do not align with the cancellation timeline, and I have documentation demonstrating billing inconsistencies. I cancelled the account within 3 days in XX/XX/year>. Thus, no service or product was ever received. They proceeded to charge my account after the closure date and now sent it for collections. 

Despite an active dispute and an FCC complaint, XXXX referred the account to a third-party debt collector. I have now received collection communications for a debt that is invalid and unresolved. 
This referral to collections during an active dispute has caused undue stress and poses a risk to my credit. I am requesting that XXXX correct the billing, recall the account from collections, and ensure no negative credit reporting occurs. 

Supporting documentation, including billing records and proof of cancellation, is available.

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 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On the XX/XX/year> I found a XXXXXXXX XXXX XXXX on XXXX Not the seller, instead of selling it on the platform like their supposed to, took it out of his own hands and made it a third party purchase threw Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity Bank continues to charge for a paid balance and adds finance and late charges. 

The last charged purchase on Comenity Bank XXXX XXXX XXXX Credit Card was for {$73.00} in XX/XX/year>. I received no mailed billing notice or emailed bill through the XXXX billing period. Also, I received no billing notices throughout the months of XXXX, XXXX or XXXX. 

I received a voicemail message from Comenity Bank which I considered unidentifiable/suspicious. The XXXX XXXX card had originally been issued/billed through XXXX XXXX XXXXXXXX XXXX not Comenity Bank XXXX which I had no knowledge of. 

I only first received a mailed bill from Comenity Bank in XXXX for the XXXX charge of {$73.00}. By that time, finance charges and late fees had been added in the amount of {$30.00}. When I tried to access the account using the web link shown on the Comenity Bank bill, a warning appeared that the site was unsafe and access was not recommended. I could only access Comenity Bank by doing a XXXX search for XXXX. Upon logging into my Comenity account, there was a XXXX XXXX  notification that the email address to my account was unusable and not receiving emails. I checked the email address on my account, and it was actually correct. I had not been having any difficulty receiving emails to that address. This was an error on the part of Comenity Bank. 

I called Comenity Bank customer service on XX/XX/XXXX, explaining problems with the account, lack of billing and the late charges. I was told that only XXXX of the late charges ( {$15.00} ) could be removed. 

I sent payment to Comenity Bank on XX/XX/XXXX for the purchase charge of {$73.00} ( from XXXX ). I sent written request and notification to Comenity Bank on XX/XX/XXXX to remove all charges from my account and close the account, along with the cut up credit card enclosed. 

I continue to receive bills from Comenity Bank for the already paid balance of {$73.00}, adding finance and late charges monthly. The latest bill received shows a balance of {$110.00} which includes the amount of {$73.00} which I have paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am disputing the accuracy and legality of a debt being reported and collected by IQ DATA XXXX for an alleged apartment/rental account originally owed to XXXX XXXX XXXX The collection agency is adding monthly interest to the balance without my authorization and without providing any contractual or legal basis to do so. I did not agree to interest charges with the collection agency, and to my knowledge the original lease does not authorize post-move-out or post-collection interest. 

I have not been provided with : A copy of the original lease showing authorization for interest The applicable interest rate An itemized accounting explaining how the balance is calculated Proof that the collection agency is legally entitled to assess interest Despite this, the agency continues to report an increasing balance to the credit bureaus, which I believe constitutes inaccurate credit reporting and an unfair collection practice under the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The debt collector is trying to sue me for full amount on a debt that was in a lawsuit and I requested a debt validation letter but I never received any feedback resubmitted request again today

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am a business customer using Chase merchant services payment links. 

Customer XXXX XXXX paid {$6900.00} on XX/XX/year> for XXXX panels and delivery. Chase told me funds would be released within XXXX hours. I delivered the panels. 

The customer then paid {$6300.00} on XX/XX/year> for an additional order for pickup. 

Chase merchant services then placed a safety hold on my funds. I spoke with a supervisor named XXXX who told me the funds were being held internally, in a type of reserve account. Chase required me to agree to release the second transaction ( {$6300.00} ) in order to receive the funds for the delivered order ( {$6900.00} ). I agreed based on this representation. 

On XX/XX/year> Chase released only {$6400.00} from the {$6900.00} transaction, stating the remainder was fees. XXXX told me she would investigate the missing amount and assured me the funds would not be removed from my account. 

On XX/XX/year> Chase debited {$6900.00} from my business checking account labeled XXXX XXXX. I did not know who payment XXXX was, I asked Chase several times, Chase initially told me they did not know who this was. I later discovered XXXX XXXX is Chases own chargeback merchant processor. 

I had received chargeback emails but was told by Chase not to respond by XXXX at merchant services because it was for the {$6300.00}. When I noticed XXXX of the emails said {$6900.00} later I responded and provided documentation, XXXX told me I missed the deadline. I sent proof I did not miss the deadline with screenshots of emails with their team. They later reopened the case but denied it based on billing address mismatch reported by XXXX XXXX. 

Chase charged transaction fees on both transactions, including the one I agreed to cancel and never received funds for. 

I have : Signed invoice Proof of delivery, pictures of delivery Proof of customer authorization Evidence I attempted to submit chargeback documentation Chase has : Required me to release a transaction to receive funds for delivered goods Failed to provide a clear representment process Withdrawn more funds than I received Charged fees on funds never paid to me Provided inconsistent and inaccurate information I am requesting : XXXX. Reopening of the chargeback case XXXX. Refund of {$6900.00} for delivered goods & the extra fees of {$220.00} they took of my money. 
XXXX. Refund of transaction fees charged on funds never received XXXX. Full documentation of the investigation and chargeback handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SENT VIA E MAIL RETURN RECEIPT REQUESTED reference number:XXXXXXXX XXXX XXXXXXXX XXXX HALSTED financial services XXXX XXXX XXXXXXXX XXXX, IL XXXX Re : Cease and Desist Notice 15 U.S.C. 1692c ( c ) To Whom It May Concern : This letter serves as formal notice that you are hereby instructed to cease and desist all communication with me immediately regarding any alleged debt you claim I owe. This request is made pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Upon receipt of this letter, you may only communicate with me as permitted by law, specifically to : ( 1 ) confirm that you will cease further communication, or ( 2 ) notify me of any specific legal action you intend to take. Any communication beyond what is permitted under the FDCPA will constitute a knowing violation of federal law, and I will pursue all available legal remedies, including statutory damages, costs, and attorneys fees. This letter is not an acknowledgment or admission of any debt. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have a debt collection on my transition acct from Jefferson capital systems XXXX for a XXXX line I canceled nearly a XXXX ago. The collection amount has a balance of XXXX dollars. I just checked my balance and there is now a second identical debt collection from the same Jefferson capital llc, which has increased my total balance to XXXX dollars. This is absolutely unacceptable and I need to dispute these charges

Company response to consumer: Closed with explanation