vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Since XXXX, I have been experiencing a recurring issue when attempting to make my monthly mortgage payments through the Freedom Mortgage website. Each time I submit a payment, the transaction initially appears to process successfully, and the funds are withdrawn from my bank account. However, several days later, the payment is marked as reversed on the Freedom Mortgage system. Despite this, the funds are not returned to my bank account. As a result, I am forced to contact my bank to recover the funds and then attempt to make the payment again multiple times until it eventually goes through successfully. I have contacted Freedom Mortgage customer support each time this issue has occurred. I have been provided with ACH return code R11, but I have not received a clear explanation or a permanent resolution. My bank has confirmed that the withdrawals are valid and that the funds are successfully leaving my account, and that the reversal is occurring after the fact. This issue has persisted for several months. In XXXX, it became particularly severe, requiring approximately six separate attempts to successfully complete a single monthly payment. XXXX has continued to present similar issues. I have spent approximately 1015 hours on the phone with Freedom Mortgage representatives attempting to resolve this issue. While customer service has consistently waived any late fees associated with these payment issues, the underlying problem has not been resolved. At this point, I am requesting a permanent fix so that I can reliably make my monthly mortgage payment once per month without repeated failed transactions, reversals, or the need to involve my bank or customer support. This ongoing issue is causing significant inconvenience and administrative burden and prevents me from being able to make payments through the normal and expected process.

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 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened XXXX credit card with Capital One bank. I opened it at XXXX store with my Drivers License. I used the card for two billing cycles. Paid my bills on time and in full. Accumulated {$57.00} in rewards. Today, out of the blue, my transaction at the XXXX XXXX was declined and I received a call from the fraud department that my account has been restricted. They wanted me to send them a selfie and a bank statement. I immediately closed the account thinking that was a scam, I called the number that was in my card. Same thing. They refused to apply {$57.00} rewards to my XXXX bill as was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/scrub>XXXX XXXX XXXX Credence Resource Management XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Certified Mail, Return Receipt Requested Account / Reference Number : XXXX Original Creditor : XXXX XXXX RE : NOTICE OF DISPUTE AND DEMAND FOR DEBT VALIDATION To Whom It May Concern, I am writing this letter in response to your attempts to collect an alleged debt associated with the account number listed above. This letter constitutes a formal dispute of the validity, accuracy, and existence of this alleged debt. To date, your company has failed to provide any tangible, verifiable proof whatsoever that I owe this debt, that you have the legal right to collect it, or that the amount claimed is accurate. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide competent, legally binding evidence to validate this alleged debt. Do not simply send a computer printout of a balance or an invoice you generated yourselves. I require substantial verification, including but not limited to : 1 A complete copy of the original contract or agreement bearing my signature, authorizing this debt. 2 An itemized statement of the account from day one, detailing all principal, interest, fees, and payments made, showing exactly how you calculated the alleged balance. 3 Legal proof of the chain of custody proving that your agency has the lawful assignment, purchase, or authority to collect this specific debt. 4 Your agencys license and registration numbers to legally collect debts in my state. Furthermore, be advised that you are in potential violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Under the FCRA, you are legally obligated to report only 100 % accurate information to the credit bureaus. Reporting an unverified, unsubstantiated debt constitutes a willful violation of federal law. If this account is currently being reported on my credit profile, or if you report it while it is under formal dispute without verifying it first, I will immediately file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State 's Attorney General for violations of both the FDCPA and FCRA. Cease and Desist : You are hereby ordered to cease all phone calls to my home, workplace, or mobile device. All future communications regarding this matter must be conducted strictly in writing via the United States Postal Service. If you fail to provide the requested validation within thirty ( 30 ) days of receiving this notice, you must immediately cease all collection efforts, delete any derogatory trade lines you have placed on my credit reports, and close this file permanently. I expect your prompt compliance. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was issued a XXXX in XXXX by the creditor. The account is currently being reported as a charge-off with a balance. The XXXX I received states the balance will not be pursued for collection and has been cancelled. The creditor and credit reporting agencies are still reporting the account as past-due for all of the months for XXXX, with the same balance that was supposed to be cancelled. I've mailed several dispute letters to all of the main credit reporting agencies. I still have an open CFPB complaint with XXXX XXXX XXXXXXXX. I've requested Methods of Verifications with no response, only dispute closures. I received feedback from XXXX, that the account in question has been deleted on their end. I've submitted a request to XXXX XXXXCapital One, asking them to report the account accurately to the credit reporting agencies to avoid further willingness of reporting the account inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im a victim of identity theft. All three CRAs were notified properly. They all received proper documentation. Police report, FTC, Drivers License, Social Security Card. The fraudulent accounts were removed after an investigation. Suddenly the bureau ( s ) have allowed reinsertion of the fraudulent accounts recently. I sent in the documents again and ExperianXXXX are refusing to block the same accounts. Citing that this due to their internal policy. Under the FCRA 605B these accounts were removed. Each Entity that were involved in fraudulent opening these accounts were notified properly. The credentials that were used to open the accounts were all fraudulent. Ive had all the fraudulent address removed. The Companies have since fraudulently updated their files to collaborate those fraud accounts. With my personal information. Now fraudulently updating their files.

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 2026-05-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
EVERY month I get a paper check to deposit from the same person, from the same bank, from the same account- this his been happening since Day 1 of the account opening up. Most banks put a week hold for the first few checks, then a few three day holds on the next, finally coming down next day or partial same day. Never NOT ONCE not had an early release before 5 business days. I don't live near a branch. Closest is 150 miles away .. so I HAVE to deposit personal checks on the App. At one point the system was reading 3 check in a row wrong. Since XX/XX/XXXX. And every check since then it has been read as a check that had been a prior deposit. THE ONLY way to fix this was to have me the customer pay the overnight deposit and mail a check by USPS for almost {$100.00}. Capital One making a customer pay to fix the glitch and issue that was caused by the bank NOT the customer? This is wrong. Almost EVERY manager I have spoken with was so unprofessional. It's been almost a month. I for the first time yesterday had to pick which XXXX medication to stop taking for a week. Which ask any XXXX you should NEVER just stop. People budget for things. Their " system '' is messing with people having XXXX and couple die!! This is not just wanting funds for shopping and eating at nice places and travel. This is about healthcare and humanity at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Chime Financial Inc
State: NC

Complaint narrative:
XXXX purchase for amount {$1100.00} I filed police report I sent my pay stub showing i worked and still denies every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Because of an emergency with my cat I had initially gotten a Care Credit credit card. I didn't have much choice at the time, I was ( still am ) low income and my cat had gotten poisoned and it had happened to be around XXXX or XXXX. There are very little 24 hour XXXX clinics in XXXX XXXX, CA and my little XXXX had to be monitored while he had the poison brought out of him with XXXX XXXX. We were told not to take him him that he needed at least 12-hour care to make sure he will not choke on XXXX, pass out or anything else. The bill ended up being around {$800.00}, far beyond what we could afford, so it was suggested via a sign at the front counter to try for the Care Credit card, which I had never signed up for. I had better overall credit than my fianc, so I applied and was given {$1500.00} in credit. This was around XXXX. Then we got a crushing blow when XXXX, XXXX 's partner in crime, our female cat, passed away suddenly ( I found her dead on my dining room floor when we came back from an overnight stay in the desert for XXXX XXXX XXXX ; she may have hat a XXXX XXXX as we were told that she had a XXXX XXXX in a XXXX XXXX report, which had to be put on the Care Credit. This was around XXXX. I was able to keep up on the minimum payments, but that barely took off from the principal since more than half went to interest. Then a couple years later XXXX passed away from XXXX XXXX. The price of the XXXX and a few other costs were too much for us to cover, so a larger chunk of the remaining balance covered the cost. That was 4 years ago that XXXX passed away. This was around XXXX. I have tried to keep up on it, with minimum payments, but because life happens, a few times I had accidentally missed a payment, adding to the amount owed in fees. When I was recovering from XXXX XXXX it was nice of them to allow me to skip payments until I was fully healed and able to go back to work, but the balance still accrued interest. But two big things have made this impossible for me to handle this : 1 ) in the 4 years since XXXX was put down, my {$60.00} - {$80.00} / month minimum payment only covers the interest, but the interest became so much that it was making the amount larger. 2 ) To make sure I couldn't give up and send it to collections, they increased the threshold from {$1500.00} to {$1800.00}. So I am currently at a balance of about - {$27.00} or so, unable to help my other 2 cats ( XXXX and XXXX ) if anything, health-wise ) were to happen to them.

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 2026-05-20 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: Big Picture Loans, LLC
State: MN

Complaint narrative:
I previously ( years ago at my old address ) inquired about a loan but declined it. The company saved my banking information, fabricated a signature using my old address today, and deposited money without my consent. I received an email today saying my loan was approved 3 min after saying I applied for a loan after I was at work. I did not sign anything for a loan. I was able to get into my checking where XXXX was deposited. I got into my account on big picture loans using my email they sent the loan confirmation to and it had my old address and a signature from me which I did not provide. I called the company multi times today and told them I did not take out a loan and they kept saying I had to verify my drivers license number and talk to their verification department and they made me leave multiple messages and. Noone called me back. They obviously didnt verify my identity because I havent lived at the old address for two years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Vehicle was stolen impounded communicated with fin es Westlake financial we agreed on me retrieving the vehicle and me continuing payments with the impound lot fee added to the balance they never retrieved the vehicle to me they sold the vehicle and then reported me to the bureau with this balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
There was a fraudulent charge on my credit card. It was on XX/XX/2025, from a company called XXXX XXXX for {$740.00}. I did not authorize or sign for any work or service from this company. I don't even have a lawn so there's nothing they could provide according to their name. I contacted them and they said there was nothing they could do. I have contacted Chase every month since then and they have refused to credit the amount back. According to their own card holder agreement I am not responsible for fraudulent un-authorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I am filing this complaint regarding the improper closure of my JCPenney credit card account managed by Synchrony Bank following a fraud investigation that was resolved in my favor. Several months ago, my account experienced fraudulent charges. After disputing the charges and filing a prior CFPB complaint, Synchrony investigated and determined the charges were fraudulent. The disputed balance was removed, the account was returned to a XXXX balance, and payments I made during the investigation were refunded. However, after the fraud balance was removed, Synchronys system continued generating a recurring {$4.00} interest charge despite there being no legitimate balance owed. I contacted customer service multiple times and was specifically instructed by representatives to disregard the {$4.00} because the system had not properly updated after the fraud reversal. I relied on those instructions. After being told to ignore the recurring {$4.00} charge, my account was later closed. The original closure letter dated XXXX XXXX XXXX stated the reason was the number of dishonored payments on this account. However, this explanation appears inconsistent with the actual account history and the servicing instructions I was provided by Synchrony representatives. I escalated the matter to a supervisor, who acknowledged the account should not have been closed and advised that the recorded customer service calls would be reviewed as part of the reinstatement review process. After filing another CFPB complaint regarding this issue on XXXX XXXX XXXX, I then received a letter dated XXXX XXXX XXXX, stating only that Synchrony was unable to reinstate the account. The denial response does not appear to reflect that the recorded calls were meaningfully reviewed, as those calls should confirm that Synchrony representatives repeatedly instructed me to disregard the recurring {$4.00} system-generated charge following the fraud reversal. My account had otherwise remained in good standing and continues to report as current. The balance currently reflected consists of newer legitimate charges made after the fraud matter was resolved, with the first payment not due until XXXX XXXX XXXX This further supports that the account was not delinquent at the time it was closed. While I can not definitively confirm intent, the timing and circumstances raise serious concerns that my account closure and reinstatement denial may have been influenced by my prior CFPB complaint activity and deserve independent review. If this matter is not properly addressed, I will have no choice but to escalate this matter further with additional regulatory agencies, including the FTC. I have retained copies of the closure letter, denial letter, and account screenshots showing the account status as current.

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 2026-05-20 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: NV

Complaint narrative:
To whom it may concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt. The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is {$200.00} I am as a result of this requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws ( 12 CFR Part 1006 - PART 1006 / 15 U.S. Code 1692g ). If you need to please contact the creditor to obtain verification of this alleged debt. Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am at this moment instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to verify the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within XXXX days. Sincerely XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RECOVERY A is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOVERY A 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 non-monetary relief