vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Spoke to LVNV FUNDING for a Capital one credit card and asked if I can start making {$50.00} payments in exchange for them to remove the account from my credit report. They accepted and said that they will send me something in writing. Once I receive that I can start making payments but I never received compensation. 

Also contacted Chrysler Capital to setup the same arrangement to settle the debt for a vehicle I had in the past. The amount is {$100.00} a month they also agreed and I never received confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I canceled my XXXX  service and paid what I believed was my final bill on XX/XX/year>. I was later told by the first representative I spoke with that the account went XXXX day into the next billing cycle, resulting in an additional full month charge. I was not aware of this at the time and did not receive a final bill reflecting that balance. 

The account was then sent to collections for {$140.00} through Sunrise Credit Services XXXX, which now appears on my credit report. I did not receive a final bill or notice that the account would be referred to collections. 

XXXX  claims I was enrolled in paperless billing and that a final bill was emailed to me in XX/XX/year>. I have searched my email records and have no record of receiving a final bill or notice prior to collections. 

I requested proof of final bill notification, proof that the email was actually sent in XX/XX/year>, and proof that I was notified before the account was referred to collections. Instead of providing documentation, I was told they resent the notification to me during the call. Resending an email now does not prove that proper notice was provided at the time. 

I also requested my account number because I can no longer access my online account. I was told I must pay {$2.00} to receive a paper copy in order to obtain my own account number. 

During my call, XXXX from the Ohio leadership team was dismissive of my repeated requests for documentation and did not provide the proof I asked for. 

I am requesting full validation of this debt, documentation showing proper notice prior to referral to collections, and removal of the collection from my credit report if proper notice can not be substantiated.

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 2026-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Cornerstone First Mortgage, Inc.
State: NJ

Complaint narrative:
Worst experience I ever had the displeasure of experiencing. Cornerstone First Mortgage, LLC uses unethical practices. The loan officers were XXXX XXXX and XXXX XXXX, these guys are straight thieves, fraudsters and flat out criminals. 

They tried to charge me almost {$20000.00} in closing fees. The fees were bogus and outrageous. They tried to charge me {$750.00} for an appraisal fee that I already paid {$600.00} for with XXXX. The appraiser had to go back out because they wanted me to repair something on a garage that was going to be torn down. He then wanted me to pay an additional {$250.00} for the appraiser to come back out. Straight crooks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
On XX/XX/year> I took an XXXX ride that was classified as an " off-app '' ride, where I was coerced into paying the driver via XXXX {$58.00} instead of paying him through the app. I paid him the money, but immediately reported this to XXXX and USAA, my bank, who are investigating it. More importantly, the receiving bank has denied to return the funds to me. This money was paid under duress, and USAA is now not giving the money back. The driver was terminated as this is a crime.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
TRUIST BANK - XX/XX/XXXX, I had my debit card declined and looked into the account and XXXX was taking out of my account. I called Truist Bank notified them and found out that I had been hacked back in XXXX is when it started. Whoever took my money made 150 transactions and the bank never notified me to see if it was me making the transactions. There was even 2 XXXX  airline tickets made ( which I did not do ), they did refund me that back, but they would not refund me the other that was taking out of my account. Total taking out was XXXX and only XXXX was given back. I have talked to and filled out all the paperwork that they wanted and still they will not refund me the remaining money. I have filed a police report also. The first time I reported to the bank was XX/XX/XXXX, and Truist issued me another debit card and it continued to happen with the new card, but this time whoever it was was now writing checks with my account number and routing number and so I reported again that it was not me. I reported it again XX/XX/XXXX and to Trusit that I was still getting transactions that I did not do and so they issued another card which I did not activiate. I have all the paperwork and so do they.

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 2026-02-21 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: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
Failure of Federal Student Aid to Respond to Prior CFPB Complaint # XXXX I previously filed CFPB Complaint # XXXX on XX/XX/year> regarding Borrower Defense discharge reconciliation issues . 

The complaint is now marked No company response. 

I am requesting supervisory review due to Federal Student Aids failure to respond within the required timeframe.

This non-response is preventing reconciliation between Federal Student Aid and my servicer, XXXX, regarding my Borrower Defense discharge status.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: DISCOVER BANK
State: KY

Complaint narrative:
I am filing a formal complaint against Discover Financial Services for inaccurate and inconsistent reporting of a charged-off secured credit card account. 

This account reflects a charge-off date of XX/XX/XXXX. However, my credit reports show a paid on time entry in XXXX, despite the fact that I did not make any payment on this account in XXXX. Additionally, the reporting of this account differs across XXXX XXXX  and XXXX, showing inconsistent payment history and account status. 

This raises serious concerns regarding compliance with federal law. 

Under the Fair Credit Reporting Act : 15 U.S.C. 1681s-2 ( a ) requires furnishers to report accurate and complete information.

15 U.S.C. 1681s-2 ( b ) requires a reasonable investigation upon notice of dispute.

15 U.S.C. 1681c ( a ) ( 4 ) prohibits reporting of obsolete information beyond the allowable reporting period. 

If Discover is reporting a XXXX paid on time status that did not occur, this may constitute inaccurate reporting and potential re-aging of the account, which is prohibited. Reporting inconsistent payment histories across credit bureaus further demonstrates a failure to ensure maximum possible accuracy as required by federal law. 

I have disputed this account multiple times, and it continues to be returned as verified, without correction or explanation. A mere automated verification response does not satisfy the reasonable investigation requirement under FCRA 1681s-2 ( b ).

I am requesting the following : A full investigation into Discovers reporting practices on this account. 

Written documentation showing the Date of First Delinquency ( DOFD ). 

Documentation proving any alleged XXXX payment. 

Immediate deletion of this account from all credit reporting agencies due to inaccurate and inconsistent reporting. 

Confirmation that the account will not be reinserted. 

This inaccurate reporting is causing ongoing financial harm and negatively impacting my credit profile. This was a SECURED card. 

I request prompt review and enforcement of compliance under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I secured a consolidation loan to pay off my and my partner 's Care Credit balances with Synchrony Bank. When the loan proceeds reached my savings account, I tried to pay off the balances of both cards. Unbeknownst to me, Synchrony Bank does not accept payments from savings accounts, and they accused me of trying to pass off bad checks. I was never notified that my payment attempts were rejected until I received delinquency notices in the mail. So, now they say I am a bad credit risk * and * they denied my renewal request for a JCPenney credit card, WHICH THEY CLOSED for inactivity. Now my credit is ruined and it is totally due to Synchrony 's uncaring incompetence. So now I have bad marks due to " severe delinquency '' and they won't even consider working with me. I am a " bad risk '' and that's all they care about. The exasperating part of all this is that I have ( had ) a credit score over XXXX before this incident. Now I'm afraid to know what it is.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

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 2026-02-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Blackhawk Network Holdings Inc.
State: GA

Complaint narrative:
I have a prepaid Visa gift card issued by XXXX XXXXXXXX XXXX with a remaining balance of approximately {$75.00}. The card expired in 2020, but I understand that gift card funds generally do not expire and that the cardholder agreement may allow for replacement or access to the balance. 

The website ( XXXX  ) indicates that I may be eligible for a replacement card based on the card terms. However, I have been unable to request a replacement or speak with a live customer service representative. The automated phone system does not provide an option to reach a person, and I have been unable to access the remaining funds. 

I am requesting that XXXX XXXX XXXX  review my account and provide a replacement card, check, or other method to access the remaining balance. I am also requesting confirmation of the current balance and any fees that may have been applied. 

I am seeking assistance to ensure I can redeem the remaining funds in accordance with the cardholder agreement and applicable consumer protection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
EMAIL ONLY NO CALLS DUE TO DISABILITY Wells Fargos response continues to avoid the central factual issue. 

Wells Fargo acknowledges that I visited the branch on XX/XX/year>. However, the bank has not acknowledged whether a stop payment was requested, whether it was manually processed, or whether it was confirmed as effective on XX/XX/year>. 

Acknowledging my physical presence in the branch is not the same as acknowledging that a stop payment was requested, processed, and confirmed on XX/XX/year>. 

This complaint concerns Wells Fargos failure to honor a stop payment that was requested, manually processed, and confirmed on XX/XX/year>. Withdrawals were subsequently processed on XX/XX/XXXX and XX/XX/year> totaling {$5000.00}. 

To resolve the factual record, Wells Fargo must provide clear written responses to the following questions : 1. Does Wells Fargo acknowledge that a stop payment was requested during the branch visit on XX/XX/year>? 

XXXX. Does Wells Fargo acknowledge that a banker manually processed a stop payment on XX/XX/year>? 

XXXX. Does Wells Fargo acknowledge that the stop payment was confirmed as effective on XX/XX/year>? 

XXXX. If Wells Fargo does not acknowledge these facts, please state specifically what records support that position. 

XXXX. If a stop payment was requested on XX/XX/year>, please explain why automatic transfers were still processed on XX/XX/XXXX and XX/XX/year>. 

Wells Fargos prior responses acknowledge my visit but do not address these specific factual questions. The central issue remains unresolved. 

The requested resolution remains reimbursement of {$5000.00} and correction of account records to reflect the stop payment requested and processed on XX/XX/year>. 

Wells Fargos responses to date reflect a pattern of denial, deflection, and failure to address the specific factual questions necessary to resolve this matter. Multiple responses have acknowledged my presence at the branch while avoiding confirmation of whether a stop payment was requested and processed on XX/XX/year>. This pattern prevents meaningful resolution and leaves the central issue unanswered. If Wells Fargo does not provide clear written responses to the factual questions outlined above and correct the resulting unauthorized withdrawals, the next step will be to pursue resolution through small claims court. 

I will also continue to escalate this matter through the Consumer Financial Protection Bureau until the factual record is clarified and the unauthorized withdrawals are corrected.

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 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is attempting to collect and report a Capital One account that I can not confirm is mine because XXXX has repeatedly refused to provide any verification or documentation after multiple written requests. Without validation, I can not determine whether the debt belongs to me, yet XXXX continues furnishing derogatory information to XXXX 

The account was originally charged off by Capital One around XXXX, but XXXX is furnishing completely different dates. XXXX shows a Date Opened of XX/XX/XXXX, which is impossible for a debt that predates XXXXXXXX involvement by several years. They are also reporting a purge date in XXXX, which only aligns with re-aging, not the original delinquency timeline. 

XXXX is additionally reporting an inaccurate monthly payment history grid ( multiple C codes ) for late XXXX, XXXX, and XXXX. XXXX agencies are not permitted to furnish monthly payment data because it falsely represents an active account rather than a collection. XXXX  is also displaying Invalid Date entries in the dispute comments section, indicating XXXX furnished incomplete or improper data. 

I have disputed this item with the bureaus approximately five times and have submitted multiple written requests directly to XXXX asking for a Method of Verification, chain of title, and any documentation showing the origin, amount, and date of first delinquency. XXXX has refused to provide any verification and continues verifying the account to XXXX without sending me proof. 

Despite my requests, XXXX updated the balance and reporting dates during this period. Furnishing new derogatory information while refusing validation is misleading and prevents me from determining whether the account belongs to me. 

Because XXXX refuses to produce verification and is reporting contradictory, incomplete, and inaccurate information, I can not confirm that this debt is mine. Their reporting has negatively impacted my credit and my ability to obtain financing. 

I am requesting regulatory review of XXXX conduct and removal of the tradeline from all consumer reporting agencies due to failure to validate the account and furnishing inaccurate, misleading, and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: NH

Complaint narrative:
I received a complaint via regular mail from the NH XXXX XXXX - Small Claims - XXXX XXXX - XXXX XXXX on XX/XX/2026. The plaintiff listed as filing the complaint is Velocity Investments , LLC. They claim/allege in the complaint that I owe a total of {$7800.00} from a debt that was purchased from XXXX XXXX XXXX XXXX XXXX. This is the first and only correspondence I've received regarding this matter ; to my knowledge, there has not been any attempt by Velocity Investments to verify the debt, nor any prior contact. Which is a clear violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
My mortgage loan was transferred to a new servicing company. At the time of transfer, I was informed that any escrow shortage and past due escrow amounts would be spread over 12 months and included in my monthly payment. 

Since the transfer, I have been making payments in good faith to bring my account current. However, the servicer has been misapplying my payments. Instead of applying my payments toward principal and interest, they are repeatedly applying them to escrow, insurance, and other charges. In addition, some of my funds have been placed into a suspense account and not properly applied to my loan. 

Because of these misapplied payments, my account is being reported as delinquent and late fees have been charged, even though I have made multiple payments, including payments of approximately {$3300.00}, {$3300.00}, {$3400.00}, {$2500.00}, and {$3000.00} between XXXX and XXXX. 

I have contacted the servicer multiple times, and I was told by a representative that there was a system error and that corrections would be made and a credit would be issued. However, I later contacted the company again and was told that no correction had been approved. 

I am requesting a full investigation and correction of my account. Specifically, I request that the servicer : 1. Reapply all my past payments correctly to principal and interest as required by my loan agreement.

2. Correct the escrow accounting and ensure that escrow shortages are only spread over 12 months as previously communicated.

3. Remove all improper late fees and charges caused by their errors.

4. Apply any funds held in suspense to my loan immediately. 
5. Correct my account status so that it is no longer reported as delinquent due to these servicing errors. 

I have made good faith efforts to stay current on my mortgage, and I need this matter corrected as soon as possible.

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