vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I became aware that Capital One had created a new savings account with competitive interest rates, while having left its original savings accounts ( of which I was in ) with very low uncompetitive interest rates. 

I immediately created a Capital One Performance Savings account, and transferred my my {$25000.00} from the original Capital One Savings account while awaiting Capital One 's decision to reimburse me the interest rate differential from its inception in XX/XX/XXXX. 

I followed their procedure for a formal inquiry having lost {$1200.00} of interest due to being left behind in a savings account earning next to 0 % interest when interest rates became much higher. 

However, I was informed by Capital One that they would not reimburse me even {$1.00}. At that time, Capital One had not yet agreed to their {$420.00} XXXX settlement, and I had no knowledge that they were being sued for this issue. 

I received a denial letter with phone numbers of two people to contact at Capital One. Though I no longer have the letter, I did call one of those people in a last attempt at resolution. There should be a record of the phone conversation.

Since becoming aware of this settlement, I am once again attempting to collect the interest Capital One withheld from me by creating a new savings account while basically eliminating interest payments in the savings account I, and millions of others, was in. Of note, the last time interest rates were high, this savings account WAS very competitive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Over the past year, I have kept a balance of XXXX to XXXX in my bank account, because of the need to make home repairs. I learned on 3 separate occasions that the mortgage company, Select Portfolio Servicing , Inc. ( SPS ) had failed to withdraw the $ XXXX  monthly mortgage payment from my account. Each time, I immediately paid the arrearage. However, after the first incident, in which I was alerted to the problem with a " Notice of Default '' letter from SPS I was told that XXXX XXXX  had refused the payments. The second time, two months later, I found a door knocker on my front door saying that my home was about to be foreclosed on. I met with my banker at XXXX, who called SPS, only to be told that they apologized for their mistake. This week I just so happened to check my bank statement to make sure that my mortgage payment had been deducted from my account and found that it was again in arrears by 2 months. My account on the SPS website showed a list of default letters, most of which were never mailed to me. In deciding that I needed to change mortgage companies, I then learned that my credit rating had been destroyed by all the SPS notices of late mortgage payments to the credit agencies. I'm not an accountant, but a retired professor. Having never had a problem with any of my online bills not being paid, it just did not occur to me after contacting SPS on two occasions about their oversight that this behavior would be perpetual. But at this point I'm concerned that they could foreclose on my home regardless of my efforts to pay the mortgage on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am submitting this complaint regarding a debt collection agency that has failed to comply with federal law concerning debt validation. 
On or about XX/XX/year>, I mailed a written request to JEFFERSON CAPITAL SYSTEMS requesting full validation of an alleged debt. My request included the following : A complete validation of the debt in accordance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) A copy of the forward flow agreement between the original creditor and the debt buyer A full chain of title showing each assignment or sale of the debt Account-level documentation ( including statements, payment history, or any signed agreements ) to substantiate the amount and nature of the alleged debt To date, this company continues to report alleged updated information on my credit report and I have received no documentation or validation of the debt from this company. Despite my lawful request, the collection agency continues to attempt to collect this debt and/or report it to credit bureaus without having satisfied my request for verification. 
This failure to provide the requested information violates my rights under the FCRA and FDCPA, and I believe it constitutes unfair and deceptive collection practices. 
I respectfully request that the CFPB investigate this matter and ensure that the collection agency is held accountable for noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
We have had a mortgage with Shellpoint Mortgage since XXXX of XXXX. The company has continually calculated our escrow payment at nearly twice the amount of the actual taxes owed. As a result, we have had XXXX separate refunds over {$5000.00} from Shellpoint, and a refund of approximately {$6000.00} from the County of XXXX due to the excessive withholding by Shellpoint. We made a formal request on XX/XX/XXXX for Shellpoint to reduce our monthly escrow payment in accordance with the actual updated Appraised Value from the XXXX XXXX XXXX XXXX office. Our request was ignored, and instead of a reduced payment, Shellpoint is INCREASING our monthly payment by {$350.00} effective XX/XX/XXXX. This means the mortgage company is withholding {$17000.00} annually for an annual property tax payment of less than {$11000.00}. So, despite XXXX refunds over less than 12 months, Shellpoint is collecting even more money than before. This is free money for Shellpoint to sit on for months while paying a very low rate of interest. We ask that our monthly escrow payment be reduced to {$1000.00} monthly, which is more than enough to pay the taxes and homeowners insurance. Shellpoint refuses to reply to our XXXX letters.

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 2025-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal has permanently limited my account without providing a clear explanation and subsequently withdrew my entire account balance of {$440.00} on XX/XX/year>, under the label " PayPal Loss Recovery '' ( Transaction ID : XXXX ). This amount was deducted from my XXXX balance without my consent, notice, or a detailed reason. 

PayPals message only stated that my account was permanently blocked due to vague risk concerns, with no specific violation or evidence provided. I have no known disputes, chargebacks, or any open claims on my account that would justify this action. 

Additionally, they originally stated that my funds would be held until XX/XX/year>, to mitigate risk. Instead of holding it, they have forcibly withdrawn the balance without any transparency or due process. 

I have contacted PayPal for clarification, but they have been unhelpful and unwilling to provide an explanation or documentation supporting this withdrawal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
Bridgecrest Credit Company , LLC account ending in XXXX XXXXXXXX Balance : {$820.00} Listed as 6089 Days Past Due and showing involuntary repossession, this entry lacks verified documentation and may have been reported without valid communication, in violation of 15 U.S.C. 1692c and * * 15 U.S.C. 1618 ( a ) ( 15 ). * This account has been charged off, the vehicle repossessed, and the asset sold.

According to federal law : - Under * * 15 U.S.C. 1692c * *, it is unlawful to continue communication or credit reporting on a debt after the matter has been resolved or without proper notice and authority.

* * 15 U.S.C. 1618 ( e ) ( b ) * * mandates that any information reported to a consumer reporting agency must be verifiable, accurate, and complete.

* * 15 U.S.C. 1618 ( a ) ( 15 ) * * prohibits the reporting of outdated or misleading information, especially when the financial obligation has been satisfied by way of repossession and resale of collateral. 
Continued reporting of this charged-off loan with an active past-due balance after repossession constitutes misleading, inaccurate, and unverifiable credit reporting. It creates a materially false impression of a current outstanding debt, despite the vehicle having been reclaimed and disposed of by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Newport Intermediate Inc.
State: IL

Complaint narrative:
I have the misfortune of onbe being used as the debit card provider for the XXXX XXXX XXXX  I use. In recent times I've had significant problems with this company regarding data breaches, stolen funds, and dealing with a company apparently using last-century technology. 

1 - In recent times, they have reduced the security parameters of login information. While an 8 character minimum password is required, it is only capital/lower case letters and numbers. Special characters are not required, nor permitted.

2 - The card I * had * was activated, and the account was used exclusively for balance transfers over a trusted network. The physical card was in secure location, never out of possession, never swiped, inserted, scanned, handed off, or read anywhere- but to onbe 's outsourced customer service reps. Somehow it was used in XXXX on XX/XX/XXXX XXXX - First outsourced rep trying to deal with the compromise was rude, and failed to deactivate the compromised card. 
4 - Second rep did deactivate card, and email a fraud form. I filled this out, along with getting a police report. Unfortunately, this company is stuck in the XXXX 's and requires submission via arcane method ( fax ) not by any modern method. This became a challenge to find someone who still uses this technology so that I did not have to lose money ( pay ) in order to get my stolen money returned. 
XXXX - Regarding this, outsourced script readers have assured me that since we're in XXXX, I can expect to have my case resolved in only XXXX months! Maybe if this was the XXXX 's, this would be an acceptable timetable, but not in XXXX. But, apparently this outfit hasn't heard of modern technology and methods... Perhaps onbe needs to hire more ( or competent ) people to investigate these things? 
XXXX - I have since been unable to log into my account to access current funds ( not the ones I have to wait forever to have returned ). Outsourced script readers have been useless in resolving this, and decided to " escalate ''. In English this means " brush him off, tell him to try in a few days, get him off the phone ''. 

Unfortunately, I have little choice regarding dealing with this outdated company with poor outsourced customer service. They don't seem to use modern technology. They're not very security conscious. They don't seem to handle data breaches and security issues in a timely manner. However, they're who the plasma center chooses to use. Given the choice, I would neither choose them, nor recommend them to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
A hard inquiry from Ally Financial appeared on my Equifax credit report without my knowledge or authorization. I did not apply for a loan with Ally, nor did I give them permissionwritten or verbalto access my credit. 
When I visited the dealership, I explicitly asked if my credit would be pulled, and the representative assured me it would only be a soft check or no inquiry at all. I did not give any written or verbal consent for a hard inquiry. I aswell told them I dont authorize my credit to be pulled I disputed the inquiry directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and they responded that it was " verified '' by Ally, but no documentation was provided to support this. I never signed anything or agreed to a credit application with Ally.

This inquiry is unauthorized and is negatively affecting my credit. Im requesting that proof of my consent be provided, or that the inquiry be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of late payments on my student loan accounts that appear on my credit report for the years XXXX  and XXXX. These late payments were reported by Aidvantage and XXXX and are being reflected by your bureau. 

During that period, I had properly requested and was granted forbearance on my federal student loans. My request was made via email, in accordance with the servicers official process at the time. Under federal law, borrowers are entitled to forbearance for up to one year, and servicers are required to honor those requests and maintain records of such communications for compliance and accountability purposes.

Despite multiple attempts to resolve this matter directly with both Aidvantage and XXXX, they have failed to provide any documentation or reproduce the record of my submitted forbearance request. This failure to maintain and produce proper documentation is itself a violation of federal record-keeping requirements imposed on loan servicers under the Higher Education Act and related Department of Education regulations . 

In addition to the fact that these late payments should never have been reported due to my active forbearance status, I would like to point out that more than seven years have now passed since these alleged late payments occurred. Therefore, under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681c ), these items must be removed from my credit file due to the expiration of the allowable reporting period.

Requested Action : Immediately remove all late payments from XXXX associated with Aidvantage/XXXX XXXX XXXX from my credit report. 

DEPT OF ED/AIDVANTAGE XXXX DEPT OF ED/AIDVANTAGE XXXX Investigate and correct the records with Aidvantage and XXXX  regarding the inaccurate reporting. 
Send written confirmation once the inaccurate entries have been corrected and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Skopos Financial, LLC
State: MD

Complaint narrative:
I am writing to dispute several hard inquiries on my XXXX  credit report that I did not authorize for the purpose of obtaining credit. These inquiries are listed below : XXXX XX/XX/XXXX REPRISE FINANCIAL XX/XX/XXXX These inquiries are inaccurate and should be removed because I never received a loan, line of credit, or funds from these companies. Submitting an application or checking loan options does not legally justify a hard inquiry unless credit is extended. 

According to the FCRA ( 15 U.S. Code 1681b ), credit reporting agencies are required to ensure that all inquiries have a permissible purpose. I request that you immediately remove these unauthorized inquiries or provide documentation proving that I received credit or funds from these companies. 

If no documentation is available, these inquiries must be deleted as they are negatively impacting my credit report without valid grounds.

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 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Staring fee is {$250.00} card is starting with high balance which seems unfair plus monthly charges {$19.00} excessive fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Over about a year ago hackers started changing my address on my Synchrony bank Amazon store card. They charged thousands of dollars each time using my name and their address in Michigan. I live in New York over 30 years. I would call Synchrony, they would change my address back, but it would happen over and over again. My account was not properly protected even though I had biometrics on it. From that scam, those hackers got into my checking account and over the course of 6 months ( XX/XX/XXXX to XX/XX/XXXX ) they set up a business called Amazon XXXX XXXX and stole {$42000.00} out of my checking account in XXXX transactions. This all started with the fraudulent charges on my Synchrony Amazon store card. The paperwork booklet full of purchases sent to me shows a ridiculous amount of purchases. Impossible for a single person like me to do. I think those people ordered items and resold them as their business. Considering the total amount if purchases equals the payments taken out of my checking account by Amazon XXXX XXXX, they are definitely connected. The original credit card hack led to this. I can't see how Synchrony bank couldn't see this. I don't understand how Synchrony bank is okay with those hackers using their company name in a fraudulent manner. I think Synchrony should take a closer look and not be so quick to wash their hands of this ( and me ). It really is a no brainer. This is my retirement, my livelihood. I am broke without it. I will be looking into legal action if this is not resolved. I will not stop until I get my hard earned money back. I am reporting this everywhere! You have the scammers addresses ( so do I ), go after 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 explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
On approximately XXXX and about XX/XX/year> I went to the usps office to return these items, cost I had to pay was XXXX to send the company back their items.after that I headed up to my XXXX XXXX XXXX to make a a claim to depute the transactions that was on my credit card. After that I received one of the follow items back they sent me to my apartment the following week! So basically they left me stuck with this false advertisement of jewelry thinking that iam obligated to to pay for when I already pursued to return all of it at once! An them know I didnt want none of it at all before to its not what I was aspecting from what they told me and also shown me.Cartice is the company that sold the jewelry to me, they were post to be based out of New York XXXX so it took forever for me to receive the items, and to add too that their based out of California where I had received the items from.anywho Im like Im not finna be paying for something that they told me was post to be what it actually wasnt, thats scamming and also fraud to! I just wan na give them the the rest what they had sent back to me, Watch, bracelet, and chain to.And I want ever do business with them no more do to they scammed me and Im not into just spending money for no reason that I didnt just have to list out on.im pretty sure they have had lots of complaints about there scamming people and lots of false items that they are sending people that works for their had earned money well as myself that just not knowing what else they have no option to be able to return these items back to them what so ever .thanks for your guys time..

Company response to consumer: Closed with explanation