vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Select Management Resources, LLC
State: NV

Complaint narrative:
Loan Date : XX/XX/XXXX Lender : XXXX XXXX ( XXXX, XXXX  ) Original Principal : {$720.00} Current Status : Default ( as of XX/XX/XXXX ) LOAN HISTORY AND FACTS Total Contract Amount : {$1500.00} Monthly Payment Amount : ~ {$220.00} Total Payments Made to Date : {$1100.00} ( XXXX payments ) Current Lender Demand : {$430.00} ( Lender claims this is " Principal Only '' ) LEGAL VIOLATIONS FOR INVESTIGATION 1. VIOLATION OF THE INTEREST CAP ( XXXX XXXX ) Under Nevada law , once a title loan defaults, the sum of all interest and fees collected must not exceed the original principal amount. 
Legal Ceiling : {$720.00} ( Principal ) + {$720.00} ( XXXX XXXX ) = {$1400.00}. 
Lenders Total Demand : {$1100.00} ( Paid ) + {$430.00} ( Demand ) = {$1500.00}. 
Fact : The lender is attempting to collect {$100.00} more than the absolute legal ceiling allowed under XXXX XXXX. 
2. FAILURE TO RATABLY AMORTIZE ( XXXX XXXX ) This XXXX loan is required by law to be " ratably and fully amortized '' so that every payment significantly reduces the principal. 
Fact : After paying {$1100.00} on a {$720.00} loan, the lender claims a remaining principal of {$430.00}. 
Evidence : This indicates that out of {$1100.00} paid, only {$280.00} was applied to principal. This is a failure to amortize the loan as required by XXXX XXXX ( XXXX ). 
3. MISREPRESENTATION OF DEFAULT LAWS The lender has explicitly stated that XXXX XXXX does not apply to title loans and that they do not have to provide a XXXX repayment plan as required by XXXX XXXX. They have also stated corporate has never informed them of such a law. 
REQUESTED ACTION I am requesting that the Financial Institutions Division review this loan for willful violations under XXXX XXXX. Because the lender has attempted to collect amounts in excess of the legal cap and failed to amortize the loan, I request that the loan be declared void and my title be returned immediately.,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Upon looking at the statements there are extra charges that were never disclosed or informed when opening this line of creditI only found this out because there is a major lawsuit against them in regards to those undisclosed charges

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I applied for this loan when I first started XXXX  a few months ago because I had nothing and was hungry. Some of it was for XXXX XXXX as I XXXX  at a XXXX XXXX XXXX  and, if I don't supply pencils, they don't have pencils. They've been taking such a burdensome amount of money from each and every check that I can't make ends meets and can't get ahead paying off the loan. The statements are so confusing I've never not been able to understand a simple financial statement. It's getting to a point I may have to declare bankruptcy if something doesn't let up. I tried to call and talk to them about my hardship but they just laughed on the phone as they picked up and flippantly told me I was past due and what was I going to do about it. I want to pay them fairly and be done with this account forever but they want to leach onto me and drain as much of my money as they can before I declare bankruptcy and if they don't work with me, then I'll do that sooner than later because I'm not going to just string myself along until there's nothing left. I'm already beyond that point. Please, someone, help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX PST, I contacted Bank of America to request direct hardship forbearance for my credit card account due to a recent car accident and significant medical issues. During this call, the representative transferred me to a third-party credit counseling service under the explicit understanding it was for " information only. '' Upon transfer, I was asked to listen to a recording and provide my mothers maiden name to accept the program 's terms. I explicitly refused to provide the name. When asked if I accepted the terms, I verbally stated " No '' and told the representative I was hanging up. 
At XXXX XXXX PST, I called Bank of America back to confirm no changes were made to my account. I was informed by the representative that I had been enrolled in " XXXX XXXX XXXX. '' I immediately disputed this, as I had explicitly declined the service and refused to provide the required authentication ( mother 's maiden name ) for enrollment. Bank of America refused to reverse the enrollment immediately, claiming their records showed I had " accepted '' today, XX/XX/XXXX. 
This unauthorized enrollment was processed against my express verbal refusal and without the required security verification.

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 2026-01-29 00:00:00
Product: Credit card — Store credit 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: NJ

Complaint narrative:
I am disputing a {$7000.00} CareCredit charge that was misrepresented and improperly characterized by the merchant and inadequately investigated by CareCredit/Synchrony Bank .

The charge was not for cosmetic services provided to me or to any third party. The transaction was for nurse injector training services, which were never fully delivered as promised. I did not receive the training represented at the time of sale, and the merchant failed to provide the contracted educational services.

During the dispute process, CareCredit denied my claim based on merchant-submitted documentation alleging the charge was for XXXX, fillers, and laser treatments. This is false and appears to be a misrepresentation or fabrication. I have active XXXX and am under ongoing medical treatment, which makes it medically impossible for me to receive XXXX, fillers, or laser treatments. I am submitting medical documentation confirming this. 

CareCredit also stated that the charge may have been used for services provided to another individual. I did not authorize payment for services for any third party, and no third party signed any authorization. Any documentation claiming otherwise is inaccurate and was not reviewed critically.

I have two other disputes with different financial institutions involving the same merchant and the same underlying transaction, both of which were resolved in my favor due to misrepresentation of services. CareCredit failed to explain why identical facts were treated differently.

Additionally, I have experienced harassment and coercive communications from the merchant, including pressure to withdraw disputes. Screenshots of these communications have been provided.

I requested copies of all evidence relied upon, a written explanation for the denial, and clarification of how CareCredit determined services were provided. CareCredit has not supplied substantive documentation or a meaningful explanation.

I am requesting that CFPB require CareCredit/Synchrony Bank to : Conduct a good-faith reinvestigation under the Fair Credit Billing Act Disregard merchant documentation that contradicts medical evidence and transaction purpose Reverse the disputed charge and correct my account Provide a written explanation of their investigation findings

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: OH

Complaint narrative:
My account was closed with out my knowledge on XX/XX/year> I found out by a notification from XXXX XXXX  saying my discover card was closed. Confused I called to express my problem and they basically said its because one of my accounts from other company was delinquent which I know it wasnt because all my accounts were current. They offer to see pull my credit to see what account cause the delinquency but I didnt want to because it wasn't going to help my account get reopen. My complaint is they closed it because of an account supposedly that had nothing to do with their company. My account was current at the time of closure and should have not been closed their reason doesn't seem practical to me saying my account was suspended a year in which I had no control over as I still was making payments and my account was current that whole year of 2025. This account closure has negative impacted my credit and Their practice doesn't seem fair and I think it is unethical what they are doing and something needs to be done. Closing an account that's current seems unlawful to me so im filing this complaint to see if there are any laws or protection in place for things of this nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My chase checking account was " linked '' to other cards that I did not authorize. I was also being charged multiple times for single transactions. I went into the local branch in XXXX, Indiana multiple times over the course of a couple months. I also did not receive a student loan I took that was specifically disbursed to this checking account. My password kept getting changed and I was being locked out of mobile banking. I did dispute many charges and was given a temporary credit, however they took that credit back and have sent me numerous demands for money for an outstanding balance I do not owe. 
I have reported this to the local police department as well as had an identity theft pin placed on my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: TX

Complaint narrative:
Capital One reopened my dispute after a dispute associate advised me to submit a new letter clarifying that the dispute was services not provided, not a cancellation. I followed those instructions in good faith and provided a detailed written submission. 

After reopening the case, Capital One denied the dispute again, stating that too much time had passed and that the case was automatically closed. I was then refused escalation to a dispute manager or supervisor. 

Capital One provided inconsistent and contradictory guidance by reopening the dispute, requesting additional documentation, and then denying the claim based on timing rather than substance. At no point was I clearly informed what documentation was required to validate the dispute, despite repeated denials citing insufficient information. 

I am requesting that the CFPB review Capital Ones dispute handling process, including the refusal to allow escalation, the reopening and subsequent closure of the dispute based on timing, and the lack of transparency regarding documentation requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
New American Funding ( NAF ) is unreasonably withholding insurance proceeds paid to repair my Florida home following Hurricane XXXX on XX/XX/XXXX, creating a deadlock that prevents repairs from starting and exposes the property to continued deterioration. 
NAF received {$84000.00} on XX/XX/XXXX in insurance proceeds for covered hurricane damage. Despite full documentation of the scope and cost of repairs, NAF has released only {$33000.00} and continues to withhold the remaining funds. 
Total repair costs, as documented by a licensed contractor, are approximately {$300000.00}. The contractor requires {$89000.00} upfront to mobilize and begin work, which is standard for disaster-related reconstruction. Because NAF has released only a partial amount of the insurance proceeds, the contractor can not begin work. As a result, there is no construction progress to inspect. 
NAF conditions further disbursement on inspections tied to work progress, yet their refusal to release sufficient upfront funds makes such progress impossible. This creates a circular and unreasonable condition that NAF alone has the power to resolve. 
I was also forced to obtain an XXXXXXXX XXXX XXXX  to cover the remaining repair costs. The XXXX likewise requires construction progress for further disbursements, meaning NAFs actions block all funding sources simultaneously. 
Repair costs vastly exceed the insurance proceeds, eliminating any reasonable concern about misuse of funds. The insurance proceeds were funded entirely by homeowner-paid premiums and are intended to restore the collateral securing NAFs loan. By withholding these funds, NAF is contributing to continued impairment of the property and delaying necessary repairs. 
I have formally demanded release of the remaining insurance proceeds. NAF has not provided a valid contractual or regulatory justification for continued withholding.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate and unverifiable information appearing on my credit report. After reviewing my report, I have identified multiple accounts and entries that I do not recognize, are reported inaccurately, or can not be properly verified.

Under the Fair Credit Reporting Act ( 15 U.S.C. {$1600.00} ), you are required to ensure maximum possible accuracy and to conduct a reasonable investigation of any disputed information. At this time, the items in question do not meet those standards. 
I am requesting that you conduct a full investigation and delete any accounts, payment histories, balances, or remarks that can not be fully verified and documented as accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Issue : Identity theft Macys credit card account opened fraudulently and failure to investigate after notice I am submitting this complaint regarding a Macys credit card account that was opened fraudulently using my Social Security number without my authorization. 

I discovered the fraudulent account in XX/XX/XXXX and notified the card issuer multiple times by phone beginning at that time. Despite repeated notifications, the issuer did not conduct a timely investigation and did not resolve the fraudulent account. 

On XX/XX/XXXX, I filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) via IdentityTheft.gov. I have also placed a credit freeze with the consumer reporting agencies. 

The issuers continued failure to investigate and resolve this matter after notice has caused ongoing harm and has delayed law-enforcement action. The police department advised that further action on their end depends on the completion of the creditors fraud investigation. 

Additionally, documentation from a Macys retail system shows that the account is associated with identifying information ( name and address ) that does not belong to me, further confirming that the account was not opened by me. 
I attached a screenshot from the store of the person who used my social security

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a previous complaint out XXXX The company I added was correct it is PayPal Mastercard . Not sure why it got returned. I have zero options left. I have rent due and cant pay it im so far behind on bills because the amount stolen and have gotten zero help. I contact PayPal multiple times and they say its open and then recently they told me the case was closed because I didnt report it in time which is false I reported it multiple times in the past. They said my log in history was in line with the purchase which is false because I had fraud from the same companies that charged me and I received my funds back. It makes no sense.

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 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX different amounts ( {$1000.00}, {$1200.00}, {$1500.00} ) were deducted from my account for unauthorized transactions. I contacted the bank, ( Cash App ) the same time it happened. An agent help me recover my account info because it seemed like the account was hacked and another phone number was linked to it as well as a different username. The agent help me unlinked the information and asked to report that the card was lost or compromised which I did. I proceeded to appeal the transactions. A few days later I received emails from the bank stating that my appeals were denied because they found out that those transactions were authorized by me. I ask them to provide me the proof off their findings to conclude that, the reply that my card was used several times hours before my report. I proceeded to contact the company that was used to purchase products with my card and explained the situation and provided them with information such as time, date and the last 4 of the card used. After several days of their investigation they reached out to me via email stating that have concluded and identified that those transactions were in fact done by someone fraudulently and I should contact my bank and inform them of their findings so they can proceed with the next steps including refunding the funds. I reach out to the bank and they asked me to re appeal and provide proof of my claim. I sent them all the sequence of my interactions with the other company including the last one where they clearly stated that the transactions were fraudulent. The next day the bank sent me an email denying my appeal again and stating that their conclusion was same as before and it was final.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Good day ; I can not emphasize enough how frustrating and debilitating this situation is. 
One day, I woke up to discover a debt I knew nothing aboutan unverified amount that is not mine.

I have been receiving harassment through various communication platforms using different tactics.

I never imagined starting my day with threats of legal action.

As a law-abiding citizen, this is deeply insulting, with my consumer rights being blatantly violated.

It is severely impacting my mental health, leading to sleepless nights for days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I sent a CashApp payment to my niece for {$200.00}. CashApp had the wrong account number for my niece so it was sent to a closed account. My niece then directed me to a new account with CashApp and I sent another {$200.00} to her. 
Here is my issue. I have called and written CashApp numerous times only to be told different info every time I call. I want the money back from the account that is closed. CashApp is withholding my {$200.00} for reasons I do not know. 
The company is telling me something different every time I call. I'm beyond frustrated. I'm a XXXX  XXXX  and need this money back into my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: OPTUM BANK, INC.
State: NV

Complaint narrative:
I have been trying to get a reimbursement from a XXXX XXXX Account from Optum Bank. They have refused to provide a refund for a legitimate medical expense ( XXXX XXXX XXXX. I have submitted all the requested documentation. They have been unable to provide a detailed explanation of what they will accept as proof of service. I have spoken with account representatives on at least four occasions. They tell me on the phone that they have everything they need to process my reimbursement. Yet, I subsequently get an online denial without a full explanation.

Company response to consumer: Closed with explanation