vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ACIMA CREDIT, LLC
State: NH

Complaint narrative:
I have a few Most recent Acima. I missed a pmt and they are repetitively attempting to charge my bank account call and collect after I told them I couldnt pay this month 3-4 times I need help finding these as I had so many messages voice and text I just deleted all of them. Several other medical and personal debt collectors are texting specific information about my debt without verifying my identity Two of which I have sent certified mail to cease all communication and resolution all debts in my name those are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of my billing dispute involving a {$420.00} charge from XXXX XXXX booked through XXXX Prior to booking, I reviewed the listing details and policies available to me and did not see any clearly disclosed additional guest fee that would later be charged after checkout. After my stay was completed, I received communication from the property stating that the home was left in excellent condition and that my deposit would be refunded. Approximately seven days after checkout, I was then informed that an additional guest fee of {$420.00} would be charged to my card. I attempted to resolve the issue directly with the merchant but was unsuccessful. I then filed a dispute with Capital One and submitted supporting evidence, including screenshots of the XXXX listing and policies, along with communication history showing the timeline of events and lack of clear disclosure. Despite providing this documentation, Capital One denied the dispute. I believe the evidence submitted was not properly reviewed or adequately considered. My concern is not simply disagreement with the outcome, but that the charge itself was not clearly disclosed prior to purchase and the supporting documentation provided during the investigation appears to have been overlooked. I am requesting a formal review of Capital Ones handling of this dispute and the evidence submitted in support of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
In early XX/XX/XXXX after contacting Rocket Mortgage that acquired XXXX XXXX in XX/XX/XXXX, we were informed by Rocket Mortgage and XXXX XXXX that a female representative of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX told them we were not owed any compensation or restitution for XXXX XXXX being found guilty of violating our riights.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
Im writing to file a complaint against PORTFOLIO RECOVERY ASSOCIATES for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Complaint Against Affirm Dispute Handling and Billing Practices I am filing a formal complaint against Affirm regarding the handling of a consumer dispute tied to a financed purchase through their platform. I initiated a dispute after a merchant ( XXXX ) failed to deliver services as represented and provided inconsistent refund information. I prepaid approximately {$1200.00} for a treatment plan and canceled after partial use due to ineffectiveness, leaving a significant unused portion. The core issue is not simply a refund denial, but the merchants conflicting representations, including : - Being told I would receive a {$260.00} refund - Receiving written confirmation of a {$1400.00} refund - The merchant later reversing this and claiming the message was sent in error These inconsistencies demonstrate unreliable and potentially misleading billing practices. Despite this, Affirm dismissed the dispute by categorizing it solely as a used product issue and deferring entirely to the merchants policy, without adequately addressing the documented contradictions. Additionally, I provided extensive evidence ( XXXX files ), including : - Written refund confirmations and contradictions - Proof of cancellation and unused services - Documentation of excessive and repeated text communications from the merchant - Evidence of a misdirected patient communication ( privacy concern ) Affirm acknowledged receipt of my dispute but : - Failed to fully consider the evidence submitted - Did not provide a clear explanation of how conflicting merchant statements were evaluated - Relied solely on merchant policy without addressing billing fairness or misrepresentation - Denied escalation beyond their internal team, stating their decision was final As a financing company facilitating this transaction, Affirm has a responsibility to ensure fair dispute resolution practices and not simply default to the merchants position when credible evidence of inconsistency and potential misrepresentation exists. Resolution Requested : - A formal re-review of my dispute with full consideration of all submitted evidence - A clear explanation of how Affirm evaluates conflicting merchant refund statements- Reversal or adjustment of charges to reflect the unused portion of services - Assurance that dispute processes are applied fairly and not solely based on merchant policy I have made multiple good faith efforts to resolve this issue directly and through Affirms dispute process, but have been left without a fair resolution. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JPMorgan Chase Bank , N.A . closed my account because it was unable to verify by phone XXXX checks issued in my name for professional services rendered in the amounts of {$13000.00} and {$22000.00}. The issuing companys bank has already cleared the funds, and JPMorgan Chase Bank , N.A . is currently holding the money permanently. I am requesting the immediate release of my legitimate funds through an Official Check mailed to my address or made available for pickup at a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: FL

Complaint narrative:
XXXX. XXXX XXXX Required Dispute Charges : Cancel and credit all recent XXXX transactions immediately. Disable VAU/ABU : XXXX Automatic Billing Updater ( ABU ). Revoke Tokens : Revoke all digital merchant tokens allowing XXXX to charge this account. 2. Failure of Synchrony Bank Several attempts with customer service representatives falsely claimed Synchrony can not disable the automatic billing updater. Network rules ( XXXX ) allow issuers to opt-out accounts or block specific merchants from updates. Synchrony continues to push unauthorized payments to a non-responsive merchant despite explicit revocation of consent. 3. Evidentiary Facts No Contract : The service is billed as " cancel anytime '' with no ongoing billing agreement. No Active Subscription : All subscriptions with this merchant have been explicitly terminated. Card Removed : The disputed credit card was entirely removed from the merchant portal. Alternative Payment : A different card is currently on file with the merchant for valid services. Prior Proof : Documentation proving cancellation and card removal has been submitted multiple times. 4. Next Steps and Escalation Synchrony Bank continues to force cardholder liability for documented, unauthorized merchant-loophole transactions.

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 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: GA

Complaint narrative:
I am currently XXXX days delinquent ( XXXX month behind ) on my mortgage with SN Servicing Corporation. My property is actively listed for sale with ample home equity to pay off the entire mortgage balance, late fees, and principal in full. Weeks ago, I formally submitted my official XXXX XXXX and explicitly stated my intent to liquidate the property via a traditional sale. Despite this, SN Servicing 's loss mitigation department is pushing an unwanted XXXX XXXX track. An asset XXXX called me to tell me that I would have to give permission for a credit report pull, falsely claiming it is a mandatory requirement for my XXXXXXXX XXXX XXXX ( XXXX ). Because this is a standard equity payoff and not a short sale, the XXXX company faces XXXX financial loss, making a credit check completely irrelevant. I have explicitly denied consent for a credit pull and rejected a loan modification. SN Servicing is ignoring my submitted documentation, utilizing deceptive automated scripts, and refusing to pivot my file to a standard XXXX XXXX XXXX. This constitutes a failure to properly evaluate loss mitigation options and a failure to maintain accurate account notes under RESPA guidelines. I request that SN Servicing immediately close the XXXX XXXX track, waive the credit report requirement, and log my active property listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: KEYCORP
State: NY

Complaint narrative:
Key bank continues to have computer issues resulting in double postings for thousands of customers. 3 to 4 times a year this continues to happen. At some point banks need to be accountable and responsible for their business practices. Money is not safe in this bank. They give no solutions except " were sorry ''. I filed a formal complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NV

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused me stress and trauma.

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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
I have been trying to get my funds back and close this account for over a year. Made a complaint with XXXX several months ago got response from Coinbase that there looking into it after a month or so got a email telling me that my account was fix and l could begin trading so I log on and was not able to do any transactions. I called two separate times and was on phone for hours and problem was not fix l must have dozens of hours trying to fix this which is why I made the first complaint and now I have to do it again. They had no problem taking my money but its a problem trying to get it back. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused mental distress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
This debt collector has engaged in practices that appear to violate the Fair Debt Collection Practices Act ( FDCPA ). The account in question was furnished to the credit reporting agencies without my authorization and without any signed agreement or contract between myself and this collector. To my knowledge, I have never entered into any contractual relationship with this company. Furthermore, I have not been provided with proper validation of this alleged debt as required under federal law. Despite reporting this account to the credit bureaus, the collector has failed to supply sufficient documentation proving that I am legally responsible for the debt, including a signed agreement or other verifiable evidence. Reporting an unverified debt and failing to properly validate it may constitute a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ). This inaccurate and unverified information is negatively impacting my credit profile. I am requesting that this account be thoroughly investigated and, if the company can not provide proper validation and documentation supporting the accuracy of the debt, including a signed contract by me that it be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
To Whom It May Concern : This letter concerns a default judgment obtained by XXXX XXXX XXXX in XXXX, pertaining to a debt originally held by Synchrony Bank. I am writing to express my serious concerns and to demand immediate cessation of collection efforts, including the pending wage garnishment at my bank. In early XXXX, Synchrony Bank issued me a XXXX, Cancellation of XXXX form, for the debt in question. This form, as I understand it, signifies that Synchrony Bank had effectively written off the debt. I possess a copy of this XXXX as proof. I previously provided XXXX XXXX XXXX with a copy of this XXXX and a detailed explanation of its implications. Despite this, XXXX XXXX XXXX has continued to pursue the default judgment and has initiated a wage garnishment that has been pending for over XXXX days. This continued pursuit, in light of the XXXX, is unacceptable and, I believe, unlawful. It is my understanding that attempting to collect on a debt after a XXXX has been issued by the original creditor is a violation of the Fair Debt Collection Practices Act ( FDCPA ). The issuance of the XXXX by Synchrony Bank XXXX XXXX effectively resolved the debt, and XXXX XXXX XXXX XXXX continued collection efforts, particularly after being presented with proof of the XXXX, constitute a clear violation of the FDCPA. I demand that XXXX XXXX XXXX immediately cease all collection activities related to this debt, including the pending wage garnishment. I further request written confirmation that the default judgment has been vacated and that all negative reporting related to this debt has been removed from my credit report. I am unsure whether Synchrony Bank or XXXX XXXX XXXX is ultimately responsible for this situation. However, I am certain that the continued pursuit of this debt is unlawful and causing significant financial hardship. I expect a prompt and satisfactory resolution to this matter. Failure to comply with this request will leave me with no option but to pursue all available legal remedies. Sincerely,

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 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: American Financial Network Inc.
State: DE

Complaint narrative:
XX/XX/2023 American Financial Network was the lender on my mortgage loan. Closing documents loan terms : XXXX 6.25 % XXXX On closing documents it states can this amount increases after closing and it states no for all three categories. Projected payment Year 1-11 Principal and interest XXXX Mortgage Insurance XXXX Estimate escrow XXXX I am wondering why I was not provided with a revised loan amount at closing because the documents states clearly that the amounts cant increase. The amount referred to was XXXX not XXXX. Also the initial escrow payment appears paid by borrower in the amount of XXXX. Why is it added to the payment?.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My chase account was closed on XX/XX/year> and I still havent received my funds that were left in the account. Very time I call they tell me call back in a week, its now going on a year and now when I call they tell me they cant find an account so I decided to call the bank who tells me they cant verify me to visit a branch after doing so they tell me a check was mailed out in XXXX of this year and when the representative ask are they sure then they tell him no check wasnt mailed and that there still doing an investigation and have no update. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: MD

Complaint narrative:
I had a credit card with AAFES that I could no longer make payments due to loss of job and support from husband who passed in XXXX. Account was closed XX/XX/XXXX and sent to XXXX collection agency. Balance was a little over {$2500.00} and my XXXX income tax was taken in the amount of {$1200.00} and {$180.00} has been garnished from my social security payments since XX/XX/XXXX amounting to over {$3000.00} so AAFES has already taken over {$4000.00} on a {$2500.00} balance and I was advised amount owed now is {$4000.00} making a {$2500.00} balance owed cost over {$8000.00}. I was diagnosed with XXXX XXXX XXXXXXXX XXXX in XX/XX/XXXX and I contracted XXXX to apply for a Hardship discharge and was advised they could send me application but it must be submitted and I must contact AAFES XXXX for further action. I sent completed application to AAFES in XX/XX/XXXX and received a decision dated XX/XX/XXXX offering me to pay {$100.00} for 2 years. I submitted another request to reconsider because my diagnosis is terminal and I wont have another 2 years of life on XX/XX/XXXX of which was never answered. I filed a complaint to which AAFES replied I needed to contact XXXX which is who I originally contacted who advised AAFES is who I needed. My discharge request was sent to AAFES and the decision I received was from AAFES so XXXX is not involved and AAFES is using them for a scapegoat and Consumer Protection accepted their reply and closed my case on their word when I was hopeful they would fight for the Consumer not the Company especially since I provided proof by attaching decision letter from AAFES thereby proving AAFES is in charge not XXXX. I am homeless and have been since XX/XX/XXXX and living with relatives and experiencing hardship and can not work due to XXXX and XXXX treatments of which I provided proof to AAFES and taking {$8000.00} for a {$2500.00} debt should be illegal as well as applying new payments, raising credit limit to apply those payments after collection attempts began and still continuing 6 years later is robbing the consumer in a blatant way. Please help the consumer not the company.

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