vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have notified Lowes that my phone # has my ex-wife 's name. I get no information on this account and would not know about it if inside the store they would nt have pulled up my phone #. For the better part of a year or more I have been trying to fix this situation at store level and corporate. I have been hung up on, lied to, insulted, and told I had been removed from the account. I have wasted enough time with Lowes on this issue and they should receive a violation penalty for this breach of personal information.

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 2026-06-07 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I received a XXXX credit card thru Synchrony Bank due to bait and switch marketing. I had a debit card, thought I was getting a replacement card and they changed it to a credit card which included a hard credit report which I did not authorize or want.

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 2026-06-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Focus : Deceptive practices, lack of transparency, and consumer harm regarding credit access. Product : Credit Card Issue : Trouble using card / Account closed or suspended unexpectedly Complaint Narrative : On XX/XX/year>, I opened a new credit card account with Capital One. I am a long-standing Capital One customer with an exemplary credit history and a record of paying balances in full. On XX/XX/year>, my account was abruptly suspended. The initial communication from Capital One cited " suspicious activity '' to " protect me. '' However, upon calling customer service, representatives refused to provide any details regarding this alleged fraud or suspicious activity. Instead, they demanded three months of my private, personal bank statements under the guise of " income verification. '' Supervisors refused to provide a route of appeal, refused to provide contact information for legal counsel, and denied my request for a call transcript. Capital One appears to be using deceptive " fraud alerts '' as a pretext to coerce consumers into surrendering highly sensitive financial data without cause or regulatory justification. I sent formal escalations to Capital Ones Executive Office on XX/XX/year>, and to the Office of the President on XX/XX/year>. The bank has completely ignored both communications. This unwarranted suspension disrupts numerous automated payments and threatens my financial standing. I request that the CFPB compel Capital One to review this arbitrary suspension, provide a transparent explanation, and immediately restore my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: NJ

Complaint narrative:
Beginning in XX/XX/XXXX and continuing through XX/XX/XXXX, multiple transactions that were authorized by a family member were later reported to his bank as unauthorized or fraudulent. As a result, funds were removed from my Cash App account, causing my account balance to become negative. The transactions in question occurred on or around XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These transactions were made with the knowledge and authorization of the individual involved and were related to household expenses, including rent contributions and other agreed upon financial obligations. After the disputes were filed, the financial institution reversed the transactions and withdrew funds from my Cash App account. I have documentation, including a notarized statement signed by the individual involved, confirming that the transactions were authorized and that no theft, fraud, or unauthorized activity occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: TX

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Fortiva ( Atlanticus Services Corporation ) regarding a severe administrative error, inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ), and a failure to provide proper adverse action notification. On XX/XX/2026, I discovered via a credit monitoring service that Fortiva closed my credit card account, which carried a {$4000.00} credit limit. When I contacted Fortiva customer service, I was informed the account was closed due to " undelivered mail. '' This is factually incorrect and represents a major system glitch on Fortiva 's end. I have not changed my address. Furthermore, Fortiva successfully continued to process my monthly financial payments from this exact address profile, proving they had a functional, verified connection to my financial institutions. When I attempted to re-verify my address over the phone, Fortiva 's agent claimed my address " did not exist '' in their database, which is completely false. Furthermore, Fortiva claims they emailed a closure notice, which I never received. This violates the notice requirements of the Equal Credit Opportunity Act ( ECOA ). Most critically, Fortiva has reported this account to the major credit bureaus as " Closed by Consumer. '' This is a blatant, factually inaccurate reporting error. I did not close this account or request its closure. By falsely reporting a " Consumer Closed '' status and terminating a {$4000.00} line of credit due to their own system failure, Fortiva has caused immediate, artificial damage to my credit utilization ratio and overall credit score. Fortiva refuses to correct this internal glitch, stating they " can not reopen '' the account and instructing me to reapply. I refuse to take a hard inquiry for their system failure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Balance {$380.00} Opened Account status Type Responsibility Remarks Highest Balance {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Open Derogatory Individual Original Creditor Name Closed Placed for collection Account information disputed by consumer Account information disputed by consumer XXXX XXXX XXXX No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 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: OK

Complaint narrative:
Please accept this formal complaint against my student loan servicer, MOHELA, for predatory servicing, illegal bill fracturing, and intentional ledger manipulation. MOHELA has systematically broken my unified consolidation loan into separate, disconnected billing sequences with varying due dates, directly violating the single debt structure mandated under 20 U.S.C. 1087e and 34 CFR 685.220. Furthermore, the servicer has entirely overridden my explicit instructions by misallocating my single, unified Income-Driven Repayment ( IDR ) payment. This deliberate misapplication has starved specific segments of my account and manufactured artificial delinquencies on my consumer credit profile. Although MOHELA formally acknowledged in writing that these due dates must be uniform, they continue to issue contradictory billing statements while using an " advanced payment '' ruse to mask backend errors. I have filed parallel complaints with the FSA and my state 's Attorney General, and I request that the CFPB investigate this bad-faith servicing, compel MOHELA to unify my billing sequences, and order the immediate retraction of all negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: AMERICAN SECURITY MORTGAGE CORPORATION
State: NY

Complaint narrative:
I am filing a formal complaint against American Security Mortgage Co. and XXXX XXXX XXXX XXXX ( NMLS # XXXX ) regarding the handling of our mortgage application for a property in XXXX XXXX, SC. The loan closing took place on XX/XX/2026. From the very beginning of this process, XXXX and her team were fully aware that this property would not be our primary residence. They explicitly noted that our interest rate would be higher because of this. However, no one on the lending team ever advised us that the property taxes would also be significantly higher. Because the team failed to calculate the taxes correctly for a non-primary residence, the actual taxes jumped from an anticipated {$3000.00} per year to over {$13000.00} per year. This significant oversight impacted our required down payment and drove our monthly mortgage payments far past what we had planned for. To make matters worse, we did not receive our final Closing Disclosure ( CD ) until less than XXXX hours before our closing on XX/XX/XXXX. This is a direct violation of the XXXX rule, which is meant to protect buyers from exactly this kind of last-minute financial surprise. Because we received the paperwork so late, we felt we had no time to address or fix this massive discrepancy without jeopardizing the entire purchase. On XX/XX/2026, I sent a formal email regarding this issue to all parties involved ( XXXX XXXX Mortgage, XXXX XXXX, and XXXX XXXX at XXXX XXXX XXXX ). No one has accepted responsibility for this mistake. Instead, on XX/XX/2026, XXXX sent an email suggesting a " simple fix '' of adding our son to the deed since he lives at the address. Suggesting a retroactive paperwork fix does not excuse the fact that the lender failed to provide accurate disclosures and violated the XXXX review period. I expect XXXX XXXX Mortgage to look into this transaction, address the late disclosure violation, and offer a meaningful resolution for the financial strain this oversight has caused us. I look forward to your prompt response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: VA

Complaint narrative:
If * * January * * is collecting these XXXX debts and you dispute all of them, you can use a letter like this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> XXXX Re : Disputed Alleged Debts To Whom It May Concern : I am writing regarding several alleged debts that your company is attempting to collect on behalf of Affirm. The amounts are : * {$71.00} * {$310.00} * {$420.00} * {$460.00} * {$620.00} XXXX dispute these debts and request validation of each alleged account pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please provide : XXXX. The name and address of the original creditor for each account. XXXX. Documentation showing that I am legally responsible for each debt. XXXX. A complete payment history and accounting for each amount claimed. XXXX. Copies of any agreements or contracts bearing my signature. XXXX. Proof that your company has the authority to collect these debts. Until proper validation is provided, I request that all collection activity cease. I also request that you stop contacting me by telephone and communicate with me only in writing regarding these matters. If any of these accounts are being reported to a credit reporting agency and can not be verified, I request that they be removed immediately. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX Send it by certified mail if possible. If January continues calling repeatedly or can not verify the debts, you can file a complaint with the CFPB and attach a copy of this letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FIRST NATIONAL BANK OF OMAHA
State: MO

Complaint narrative:
I am filing this complaint to request a full review of how Senior Loan XXXX XXXX XXXX ( XXXX ID # XXXX ) handled our bridge loan application through Country Club Bank / FNBO. My husband and I have been loyal customers of this bank for nearly 20 years, and we have owned our home for 28 years.We applied for a short-term bridge loan and were denied. We are retired and have a stable, guaranteed fixed income of {$6500.00} a month ( {$5000.00} in standard Social Security and {$1500.00} in our daughter 's SSDI ). Our home is worth about {$470000.00}, and we only owe {$64000.00} on it. Instead of treating us like premier, XXXX clients, XXXX XXXX XXXX XXXX through a ridiculous, insulting, and exhausting back-and-forth process. He kept saying our XXXX was too high and implied that if we paid off our debts, the loan would go through. We trusted this guidance and used our XXXX investment money to completely pay off our student loans and everything else we owed. This left us with absolutely XXXX monthly debt except for a single XXXX loan. But because he pressured us into this rushed liquidation, we didn't have taxes taken out and now we owe a massive, unforeseen {$40000.00} tax penalty out of our future house proceeds.While this was happening, he also told me I needed to write a long, deeply personal letter explaining our familys private situation regarding our special needs daughter and her XXXX income to justify the loan. He made it feel like writing this letter was the final piece needed to get it approved.After an exhausting time of writing this we sent it and heard nothing until we were told it was denied. To say our XXXX is too high when our only debt left is a single XXXX loan, backed by {$6500.00} in guaranteed fixed income and over XXXX in liquid assets ( was more before we paid off debt ) makes absolutely no mathematical sense.I feel completely dismissed and let down by our bank. I am deeply concerned that XXXX XXXX used the personal details he forced me to write about our daughter 's XXXX to unfairly judge us or discriminate against us, which violates the Equal Credit Opportunity Act. Under federal law, lenders can not place unique, invasive documentation burdens on families receiving XXXX or use public assistance income against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
My Robinhood brokerage account was permanently closed without any prior notice or written explanation. I have over {$34000.00} in funds that I can not access or withdraw. When I contacted Robinhood support multiple times, different agents gave me contradictory information. Some agents told me the account was under review with no further explanation. Other agents informed me that the account was restricted due to a mandatory levy enforced by the state. I immediately contacted both the IRS ( XXXX ) and the XXXX XXXX XXXX XXXX ( XXXX ), and both agencies confirmed that there is NO active levy against my account. When I asked Robinhood agents to identify the specific agency that issued the levy, they responded : We only have limited information. They could not identify the issuer, the date the levy was received, or whether I was ever notified. Additionally, a Robinhood agent named XXXX confirmed by phone that NO levy appeared on my account and that the restriction had been lifted on their end, but the account remained blocked with no explanation. I requested to speak with a supervisor and was told one would call me back. I never received that call. Robinhood has open ticket numbers XXXX and XXXX for this matter, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I visited XXXX XXXX XXXX in XXXX, XXXX as a self-pay patient. I paid for all services in full in cash at the facility. XXXX XXXX XXXX outsourced my lab work to XXXX XXXX Laboratories without providing a mandatory Good Faith Estimate or getting my consent for third-party billing. Now, Credit Collection Services ( CCS ) is aggressively attempting to collect an unauthorized balance of {$2900.00}. This is a clear violation of the No Surprises Act protections for cash-paying/uninsured patients. I have mailed a formal debt validation dispute to CCS, and I request that this invalid collection account be closed immediately and completely wiped from their systems so it does not impact my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I am filing this complaint to resolve a payment discrepancy involving both Affirm and XXXX XXXX XXXXXXXX. On XX/XX/year>, I initiated a payment of {$190.00} toward my Affirm loan. XXXX XXXX XXXXXXXX processed the debit for this amount from my account ; however, Affirm marked this payment as 'failed ' and refused to apply it to my loan balance. Despite my attempts to resolve this, the issue persists. Affirm maintains the payment failed, yet the funds were debited from my bank account and were never returned. Bank XXXX XXXX XXXX there is no record of the transaction to dispute. Consequently, I am being double-charged, as I was forced to submit a second payment to keep my loan account current. I am requesting that Affirm and XXXX XXXX XXXX coordinate a formal trace of the initial {$190.00} debit from XX/XX/year>. I seek a full refund of this duplicate payment to my bank account. I do not wish to cancel or modify my loan agreement ; I only require that my account records be corrected to reflect that this payment was made, or that the erroneous double-charge is refunded to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Digital Currency Group Inc
State: NC

Complaint narrative:
On or about XX/XX/year> I opened an account with XXXX XXXX... I proceeded to make several deposit total of approximately XXXX. My money has cleared in the account but every time I attempt to withdraw my money through a linked bank account it denied the transfer. This is the same account I made the deposits with...... I have attempted to contact them through email NUMEROUS times with no results. They keep asking for the same information that I have sent them many times. Please help

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
This complaint concerns my Chase XXXX XXXX XXXX credit card account ending in XXXX. My monthly payments were funded automatically from my XXXX Bank XXXX XXXX account. In late XXXX and early XX/XX/XXXX, a large batch of my prior payments, going back as far as XX/XX/XXXX, was suddenly reversed and posted to my Chase account as returned payments. The transaction detail records show original payment dates spread across XXXX and XXXX ( including XX/XX/XXXX for {$810.00} ; XX/XX/XXXX for {$410.00} ; XX/XX/XXXX for {$510.00} ; XX/XX/XXXX for {$980.00} ; XX/XX/XXXX for {$280.00} ; XX/XX/XXXX for {$810.00} ; XX/XX/XXXX and XX/XX/XXXX for {$1500.00} ; and XX/XX/XXXX for {$580.00} ), yet every XXXX of these reversals carries a posted date of XX/XX/XXXX. Chase confirmed in writing that the returns processed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As a result, my balance increased to over {$5800.00} with no new purchases to explain it. Chase has given me XXXX different and inconsistent explanations in writing : first that a payment was returned for insufficient funds, then that XXXX payments were returned because they were reported as unauthorized. These are different things. I had sufficient funds available the entire time, and I never authorized anyone to report these payments as unauthorized. Chase has not explained why payments accepted months earlier, some nearly a year earlier, were all reversed at once in late XX/XX/XXXX. The XXXX institutions now give irreconcilable accounts. Chase states in writing that Bank XXXX XXXX returned these payments, several coded as unauthorized. When I called XXXX XXXX XXXXXXXX on [ DATE ], the representative stated they could see no record of any reversals or returns on my account, could not confirm whether the automatic payment authorization to Chase is still active, and declined to provide anything in writing. XXXX of these accounts is incorrect, and I have no way to reconcile them on my own. Chase also acknowledged in writing that it attempted to mail notification letters but that several of those letters failed, so I received no effective notice of the returns. I only discovered the problem when I noticed my balance had grown with no purchases behind it. I have raised this with Chase directly in writing, and the response was internally contradictory and did not resolve the issue.

Company response to consumer: Closed with monetary relief