vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This complaint is also my official request for debt validation to Columbia Debt Recovery, LLC dba Genesis. My attached letter clearly specifies the documents that must be provided under the FDCPA : the original signed contract, proof of ownership or assignment, the purchase agreement, and a detailed accounting of the balance.

By using the CFPB complaint system, I am making sure my request is documented, forwarded, and acted upon properly. Consumers have the right to full transparency, and I expect Columbia Debt Recovery, LLC dba Genesis to provide complete validation.

To further protect my rights under the FCRA, I am also requesting information to verify the accuracy and completeness of the account they reported to the Credit Bureaus : the Date of First Delinquency, the date the account was charged off ; and the date the account was acquired by or assigned to Columbia Debt Recovery, LLC dba Genesis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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: CA

Complaint narrative:
I reported this to PayPal and the dispute has been put on hold for an extended time and I need resolution. 

Here 's the text of the attached pdf of the email I sent to XXXX after countless calls... 

To Whom It Does Concern, XX/XX/year>, XXXX XXXX  ( 9 days ago ) Our flight was cancelled overnight to NY for XXXX and when we arrived I had both XXXX and Hotel Management, named XXXX, alerted to this issue. I was willing to keep the reservation for the remaining two nights. But both confirmed the reservation would need to be entirely cancelled and rebooked. I asked both for help with rebooking, they both suggested I use the app myself. 
The hotel was not listed as available for that XXXX and most hotels had very limited availability and going fast. Since I was told by XXXX the reservation had been entirely cancelled, I had no choice but to select another hotel on the app. 
Next I found out the reservation had only been partially cancelled. I called again and XXXX agents told me to go to the new booking at the XXXX XXXX. 
Trip numbers, including a surprise night in XXXX! 
XXXX XXXX XXXX I am requesting immediate refund confirmation.

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 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding improper handling of my federal student loan account and failure to resolve a Public Service Loan Forgiveness ( PSLF ) payment dispute. 

Five qualifying payments between XX/XX/year> and XX/XX/year> have not been credited to my PSLF count, despite my qualifying employment and timely payments during that period. 

I have repeatedly contacted MOHELA and StudentAid.gov to resolve this issue. I submitted a reconsideration request that was denied with the vague explanation Not Applicable. I currently have another reconsideration request pending that has been ignored for nearly one year. 

Neither MOHELA nor StudentAid.gov has provided a clear explanation or corrected the error, despite my submission of employment documentation from XXXX and XXXX verifying my eligibility. 

This failure to properly review my account and respond to my disputes has delayed my progress toward loan forgiveness and reflects inadequate loan servicing practices. 

I respectfully request that the CFPB investigate this matter and require MOHELA and Federal Student Aid to properly review my account, correct any errors, and provide a clear written explanation for their determinations. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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:
on XX/XX/year> I deposited a check for {$84000.00} in my chase account and chase issued a 7  days hold on the entire amount. 
I requested to for partial release instead of the full amount but the request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a hard inquiry that appears on my credit report associated with your company. I did not authorize this hard inquiry, nor did I provide written or verbal consent for my credit to be accessed for lending or review purposes. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a company may only obtain a consumer report for a permissible purpose and with proper authorization. If you are unable to provide documentation proving that I granted permission for this hard inquiry, its presence on my credit report is inaccurate and unlawful. 
Additionally, under 15 U.S.C. 1681a and 1681e ( b ), credit reporting agencies and furnishers are required to ensure maximum possible accuracy of the information reported. An unauthorized hard inquiry does not meet this standard. 
I am requesting that this hard inquiry be removed immediately from all consumer reporting agencies to which it has been reported. Please provide written confirmation once this has been completed. 
If this matter is not resolved promptly, I will pursue all rights available to me under the FCRA, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
they refuse to answer any questions. when they call in response to CFPB complaints they still say " for security reasons we cant answer that '' they refuse to process my transaction and refuse to explain why and they ignore CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: TX

Complaint narrative:
This is a conversation that has been ongoing, yet not going anywhere as of the beginning of XXXX. I have been paying my debt faithfully for the last XXXX  months. There was XXXX error on my part FOR XXXX PAYMENT that caused the payment to temporarily bounce back. I then discovered that there was {$120.00} in NSF fees that were not shown on my account on my end. According to the company, their insufficient funds fee was {$25.00} per bounce back. I have asked many agents and a supervisor for the dates in which the payments bounced back and I have not received clear answers from either party. The supervisor also claimed that he was going to waive XXXX of these NSF fees. This has yet to be accomplished. I also sent an email to the supervisor per the supervisors request detailing and sending screenshots of all of the successful payments and the single unsuccessful payment in XXXX. They are alleging that payments were missed since XXXX. However, i was able to prove that every autodraft aside from the one in XXXX had been successful. I am willing to pay {$25.00} for the XXXX payment that bounced back, but i am not willing to pay the extra {$100.00} that they are levying against me. 

The supervisor then responds to the email XXXX weeks later basically telling me to call as it could not be resolved over email even though he is the one that requested me to correspond via email. All further calls attempting to reach a supervisor has been fruitless, with them hanging up on me or telling me that a supervisor will call me back at a later time. Supervisors have not called me back or adequately corresponded about this matter to get it resolved I have been pulled back and forth on this matter and have given ample proof that all payments except for XXXX was successful. I do not owe this money. Nothing is being done and they are keeping this charge on my account. 

It is also worth mentioning that I was told that the fees are reflected on the online account. However, the times that I checked between XXXX to XXXX on the portal as the payments came out, I never received any bounce back and these fees did not show up until the one missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Jefferson Capital Systems is reporting a negative account on my credit report that does not belong to me. I did not open or authorize this account. 

I am requesting verification showing how my identity was confirmed. If valid proof can not be provided, I am requesting removal of this account under the Fair Credit Reporting Act. 

Jefferson Capital Systems {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding an incorrect funds availability and posting error related to a check deposit at SoFi Bank. 

On XX/XX/year>, I deposited a {$7500.00} check into my SoFi account. The full amount was not made available at that time. Instead, SoFi released the funds in stages as follows : {$2000.00} was made available first, {$4700.00} was made available on XX/XX/year>, and The remaining {$770.00} was scheduled to be made available on XX/XX/year>. 

I have screenshots documenting this incremental release schedule. 

On XX/XX/year>, I received a notification from SoFi stating that the remaining {$770.00} was now available. However, my available balance did not increase by {$770.00}, and the funds were not credited to my account. 

At the same time, SoFi retroactively changed the transaction record in my account to state that the full {$7500.00} was deposited and made available on XX/XX/year>. This is inaccurate and contradicts : My account balance history, SoFis prior disclosures showing staged fund availability, and Screenshots confirming the incremental release dates of XX/XX/XXXX and XX/XX/XXXX. 

As a result : SoFi is misrepresenting the actual funds availability timeline, Funds that SoFi notified as released were not properly posted to my available balance, My account ledger appears unreconciled, and I was deprived of access to {$770.00} despite being notified that it was available. 

I have documentation including screenshots of the incremental release schedule, the XX/XX/XXXX notification stating the {$770.00} was available, and the current transaction record incorrectly showing full availability on XX/XX/XXXX. 


This issue has caused financial disruption and undermined confidence in the accuracy of my account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Confusing or missing disclosures — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime offered me a {$300.00}. Payment was accepted and I had 3 installment payment to make to pay back loan. No where in my contract does it say if I dont make the loan payment by the XXXX day, then chime will cut off your my pay. XXXX payment was made today XX/XX/. So chime has taken my pay feature away after taking XXXX out of my check. I spoke with sup XXXX who could not tell me in my contract when I started my loan payment that it said If payment arent made by XXXX day then they would cut your my pay feature

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/year>, my Chase credit card was charged for two XXXX XXXX transactions that I did not authorize. Each transaction was for {$190.00}. I immediately contacted Chase to dispute the charges and requested detailed information about these transactions, including authorization methods and device verification. 

Chase responded that the transactions were authorized via XXXX XXXX but did not provide any detailed information or technical proof showing that I had approved these charges. I have never used XXXX XXXX for these transactions, and I did not provide my authorization. Despite multiple requests for clarification, the company has not resolved the dispute or provided sufficient evidence to support the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/year>, Citibank restricted my account, immediately removing my access to funds totaling {$220000.00}. Since that date, I have had no ability to access or withdraw my money. 

Citibank has stated that a compliance review was completed on XX/XX/year>, and that only XXXX deposit in the amount of {$1100.00} was verified. However, this explanation fails to address the remaining {$220000.00}, which represents the majority of my account balance. 

These funds originated from a legitimate personal injury settlement. I possess full documentation supporting the source of funds, and my attorney is available and willing to verify the settlement directly. Despite this, Citibank has not made a documented attempt to complete verification with the sender or my legal representative. 

I was initially instructed to wait 3060 days for resolution. I have now been informed that no funds will be released to me other than {$1100.00}, and that my settlement proceeds will not be disbursed. Citibank has also failed to clearly state where the remaining funds will be held, transferred, or returned, despite the account being restricted and slated for closure. 

Citibank does not have the legal authority to permanently retain customer funds without disbursement or return, particularly when the source of funds is documented and verifiable. Continued retention of these funds without a clear resolution or return process constitutes financial harm. 

This is my third formal complaint, and I am requesting immediate escalation to a senior compliance officer with authority to : 1. Complete verification with my attorney or settlement administrator, or 2. Return the full remaining balance to the originating institution.

I am requesting a written response detailing : The legal basis for withholding {$220000.00} The current location/status of the funds The exact steps required for full release or return This matter requires immediate resolution.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have a mortgage with NewRez and I requested the removal of PMI several times. The value of the property has increase quite a bit over the last 4 years and I provided proof of it's current value. The refused. In XX/XX/XXXX, the LTV ratio hit the 78 % mark, so I requested again the removal. Now the LTV ratio is 75 % and I have requested the removal of PMI again. They responded that I need to send them a check for {$150.00} so they can do a XXXX. I replied that I do not need a XXXX because the LTV ration is now at 75 % based on the outstanding balance and the purchase price. 
Currently, the outstanding balance is {$190000.00}. After the XXXX payment, the balance was {$200000.00}. The purchase price was {$26000.00} in XXXX and at that time it appraised for {$260000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint to request regulatory review and intervention regarding the continued reporting of an unverifiable and inaccurate collection account by LVNV Funding LLC. 

Summary of the Issue LVNV Funding LLC, a third-party debt buyer, is reporting a collection account on my consumer credit report without providing competent evidence that : LVNV Funding LLC lawfully owns the alleged debt, I have a valid and enforceable contractual obligation to LVNV Funding LLC , The reported balance, account history, and delinquency dates are accurate and complete.

As a debt buyer, LVNV bears the burden of demonstrating lawful assignment and accuracy. That burden has not been met.

Legal Violations Identified Furnishing Unverified Information LVNV Funding LLC is furnishing credit information without substantiating ownership, balance accuracy, or consumer liability, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Failure to Establish Chain of Title LVNV has not produced documentation establishing a complete chain of assignment from the original creditor to LVNV Funding LLC. Without proof of ownership, the account is not verifiable under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Incomplete and Misleading Reporting The tradeline lacks material disclosures, including original creditor documentation, itemized accounting of the alleged balance, and supporting records validating the reported delinquency dates. Reporting incomplete information is misleading under the Fair Credit Reporting Act. 

Risk of Continued Publication of Inaccurate Information Continued reporting of an unverified collection account exposes consumers to harm and undermines the accuracy requirements mandated by federal law. 

Requested Resolution I am requesting that the CFPB require LVNV Funding LLC to : Conduct a documented investigation into the accuracy and ownership of this account, and Permanently delete the tradeline from all consumer credit reports if competent evidence can not be produced, and Provide written confirmation of the corrective action taken. 

This complaint is submitted in good faith to ensure compliance with federal consumer protection laws governing credit reporting and debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was contacted by the company ( Resurgent Capital Services ) by email on XX/XX/year>. I mailed my request to them on XX/XX/year>. The company sent me the information that I requested, except for documentation showing I have a legal obligation to pay this debt. They did not provide me with proof that this debt is associated with my Social Security Number and legal name, or that it bears my signature on an application. They sent me a copy of a bill addressed to XXXX XXXX at XXXXXXXX XXXX XXXX XXXX, KY XXXX. I have never lived in Kentucky, nor have I ever had a XXXX XXXX  in Kentucky.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I.C. SYSTEMS INC IS TRING TO COLLECT A DEBT FOR XXXX FOR XXXX, HOWEVER I PAYED XXXX IN XXXX OF XXXX XXXXXXXX AFTER I TURNED IN MY OLD EQUIPTMENT TO BEGIN A NEW ACCOUNT.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo chose to increase their daily balance requirement without contacting customers. They claim they put it on the statements, but they repeatedly failed to update my address. Nobody looks at their statements, they should have called or sent an email, or posted it on the app?? No, they printed it on statements where no one would look because they knew they would be getting away with charging people fees and they would not be monitoring for it. 

This is how they rip off their customers. 

First they required 500 % daily balance, I held this for years. They randomly raised it to XXXX XXXX despite me depositing XXXX $ they started charging me XXXX $ fees at random dates, bringing my balance below XXXX XXXX I called to get it credited. I repeatedly asked them to fix the account so that it would not charge me the fee again... the third time in a row, the fee is now XXXX $? They did not even warn me! I called them immediately, and they refused to credit the fee saying I recently had a credit, I escalated it to 2nd level support, and filed a complaint. They refused to credit it. 

Every month they charge me a fee it brings my balance below XXXX $ and they have a very lame excuse to charge me fees again the next month so the cycle never ends!!! This is robbery!!! This should be illegal, and Wells Fargo should be sued!!

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