vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Complaint Against : Capital One I am filing this complaint regarding the unjust suspension of my account by Capital One. 

My account has been restricted pending verification of my Drivers License and Proof of Residence. I promptly complied with their request and submitted the required documentation, including : A copy of my Drivers License Rental insurance policy showing my current address A copy of my XXXX bill reflecting the same address Despite providing the requested documents, my account remains suspended, and I have not received a clear explanation, confirmation of receipt, or a reasonable timeline for resolution. 

This restriction is causing unnecessary hardship and limiting my access to my account without proper justification after compliance. I am requesting that Capital One : 1. Immediately review the submitted documentation 2. Confirm receipt and verification of the documents 3. Remove the account restriction without further delay 4. Provide written confirmation once the matter is resolved I have acted in good faith and responded promptly to all requests. I respectfully request the CFPBs assistance in ensuring this matter is resolved as soon as possible. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Please Correct Thank You My Job XXXX XXXX XXXX XXXXe Pay For My School XXXX

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: Messerli & Kramer P.A.
State: MN

Complaint narrative:
It was on the XX/XX/year> I received two debt validation letters one for myself and one for someone else debt validation letter I wrote back to the law firm but they didnt acknowledge their mistake at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Due to paperless billing defaults with my Synchrony Bank-managed Lowe 's credit card account, statements were missed. Despite my excellent credit history and willingness to pay, the bank refused to waive late fees stemming from this confusion. While I was actively disputing an initial fee, the bank continued to stack additional fees, escalating a {$30.00} charge to {$260.00}, and subsequently sent the account to collections, unfairly damaging my 800+ credit score. The bank was not willing to allow a goodwill adjustment and come to terms on resolving this and I am demanding the removal of all compounded fees and the negative impact on my credit report.

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: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
On XX/XX/year> my car was a total lost after being hit outside of my house. The car that hit my car insurance company has already determined that it was a total lost claim and they have yet to pay GM Financial. Now it shows a repossession on my credit and a balance owed. I dont know what other steps to take in order to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: WV

Complaint narrative:
I received two wire transfers for a car on SoFi. My account was used without my permission and I wasnt told what was going on. No call no email. No nothing. I have disputed charges but they just dont even look at themn

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
The colleges I attended are no longer in business. I didn't get to finish at XXXX XXXX because I was not giving enough aid to complete after being enrolled and all my credits were transferred. I also was never able to get employment after I received my XXXX XXXX from XXXX XXXX XXXX XXXX

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 — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
After receiving direct deposit of my tax refund on XX/XX/XXXX of XXXX the following day chime showed a withdrawal of {$80.00} for what they called XXXX XXXX of an advance from XXXX from the month of XXXX which in my statement balance from XXXX of XXXX showed it had been repaid from that years direct deposit of my tax refund but every time I called they came up with another oh well this balance was this and that balance was that and this was for this which I never got a straight answer as to why they waited 2 years to withdraw this XXXX XXXX advance and like I said I was under the understanding the XX/XX/XXXX direct deposit of my refund repaid that balance but they always seem like they've got an excuse why it didn't the one thing the customer service rep said was the XXXX is a separate bill from the checking account even though if you get a XXXX XXXX advance when you get paid it repays the XXXX  right from your checking account so I don't understand how it's a separate bill that was another comment that I found interesting but the more I question why he kept kind of going around in circles the second customer service rep just decided to end the phone call and hung up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
Provide * * all documentation * * used to support : 1. The alleged * * {$600.00} pastdue amount * * 2. Each * * late payment entry * * ( XXXX, XXXX, XXXX  days ) 3. The * * complete payment history * * 4. The * * date of first delinquency * 5. Any * * internal records * * used to furnish this data to XXXX XXXX and XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Mandarich Law Group, LLP
State: IL

Complaint narrative:
Agreed on a XXXX time settlement payment for this debt with a third party that was suing me for XXXX XXXX Bank which is illegal to do. Agreed on a XXXX time payment and the debt supposed to be settled and failed to do take it off my credit report and failed to send me a receipt for my payment. Have a contract that say a XXXX time payment of XXXX to settle the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
When I was laid off for COVID, I immediately contacted a representative @ the XXXX branch on XXXX XXXX in XXXX where I usually made my payment and I think the manager said that he would defer the payments up until the lockdown was lifted and not even three days later, during the lockdown, they came and illegally repossessed my XXXX XXXX XXXX XXXX I do believe his name was XXXX and he told me that when the lockdown was lifted that I can come in and have paperwork ready to sign guaranteeing me that I would not have to worry about losing my only means of trying to get another job after that unfortunate incident happened. XXXX XXXX  was all custom ( custom shell, custom punisher skull grille, custom touchscreen stereo-amp-subwoofer 15 '' box, etc ) I basically got screwed outta like {$7500.00} that I had invested in that truck hence the reasoning behind my desperately trying to work out some arrangement with XXXX ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Notification XXXX ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was untair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX These actions have caused significant inconvenience and financial loss, and I seek appropriate redres : for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have an XXXX XXXX card. Chase allowed fraudulent charges to be billed in my account. I disputed them. However XXXX charges were not removed correctly. XXXX charge of {$98.00} is not an authorized charge on my account. And {$80.00} was a refund that was issued. Chase refuses to issue the credits. I have sent verification of the refund and requested validation of the charges from Chase and they refused to provide that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On the morning of XXXX XXXX, 2025 around XXXX XXXX I received a fraud alert from Bank of America ( My business Credit card provider ) in my email on file stating that there was suspicious activity on my card ending in XXXX. I logged into my online banking and saw two charges listed below : XXXX XXXX XXXX {$160.00} XXXX # XXXX {$160.00} It is important to note here that I was present at my home in XXXX, GA when even called the bank from this location while the purchase was being made in XXXX. 

I immediately contacted the fraud department and at Bank of America and reported that It was a fraudulent transaction and I have not made these purchases nor am I aware who did these. I was expecting them to investigate this and return the money but they denied my claim stating that " We confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service. which indicates you or someone you allowed to use your card was present. '' After the bank denied the my claim but also reported a comment on my credit reports, I contacted the local police and requested to file an offical police report too. 

I categorically deny that I used my card to make these purchases nor did I know or was aware of who committed this crime. 

I would like to the bank to resolve this and also provide me all the information that the have regarding this incident. I am happy to provide any info they would require from me in this matter Thank you

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: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Scott Kroner PLC
State: VA

Complaint narrative:
AGAINST SCOTT KREMER P.L.C. Company : Scott Kremer P.L.C. ( or XXXX as identified in the attached documents ) Reference Case : XXXX I. PRELIMINARY STATEMENT I am filing this complaint for egregious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and Virginia Code 8.01-251. The collector has engaged in unauthorized third-party negotiations and is attempting to enforce a " ghost debt '' that has been purged from public records, intentionally sabotaging my home refinance for financial gain. 

II. STATEMENT OF FACTS Unauthorized Third-Party Disclosure : On or about XXXX  XXXX, 2026, without my prior consent or knowledge, the collector engaged in direct negotiations with XXXX XXXX  XXXX XXXX regarding an alleged debt. This communication included the disclosure of confidential financial information and the arrangement of a " payoff '' for my pending refinance closing. 

Ambush Collection & Failure of Notice : I have received no communication from this collector for years. By bypassing me and going directly to my lender, the collector violated my right to a 30-day validation period under 15 U.S.C. 1692g.

Enforcement of a Void Judgment : The collector is demanding {$9200.00} ( including 18 % interest ) based on a 2015 XXXX XXXX XXXX judgment. Per Virginia XXXX XXXX, XXXX XXXX XXXX XXXX are void and unenforceable after 10 years unless a valid extension is recorded. This debt has been purged from public records, yet the collector is misrepresenting its legal status to force a payment. 

Bad Faith Coordination : The collector generated a " Projected Interest Statement '' addressed to my lendernot to mesetting a deadline of XXXX  XXXX, 2026. This secret arrangement was designed to leave me with no choice but to pay a void debt or lose my loan. 

XXXX. LEGAL VIOLATIONS 15 U.S.C. 1692c ( b ) : Unauthorized communication with a third party.

15 U.S.C. 1692e ( 2 ) ( A ) : False representation of the legal status and amount of a debt.

15 U.S.C. 1692g : Failure to provide a validation notice.

15 U.S.C. 1692f : Use of unfair and unconscionable means to collect ( XXXX 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 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PROVIDENT FUNDING ASSOCIATES
State: SC

Complaint narrative:
The company will only allow me to make an additional principle payment online at the same time as my monthly payment. I want to be able to make an additional payment in the middle of the mortgage cycle. I feel this is done only to benefit the mortgage company that is already making a substantial amount of money off my loan. I was told prior to the mortgage that I could make extra payments but it was not specified that they can only be with the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
In XXXX I assisted my employer in setting up a merchant account through XXXX, A payment processor XXXX terminal provider to rent terminals for a concert that they hosted at a hotel/resort, XXXX XXXX XXXXnd XXXX, operated by my employer, XXXX XXXX. I left the company in XXXX. In XXXX they Rented the terminals for another concert they hosted at the same hotel. Somehow wires got crossed at XXXX and they reported this income on my SSN using a XXXX. In XXXX The IRS issued a tax adjustment saying I miss-reported my income. I needed to get proof from XXXX that the income was false. I worked with then assistant controller XXXX XXXX at XXXX XXXX and XXXX  to talk to XXXX and they fixed the invalid account information saying they would send me an adjusted XXXX but failed to do so. I have been in contact with XXXX and XXXX XXXX on numerous occasions since and they have always just give the run-around regarding receiving the XXXX. In the XXXX I have a XXXX dollar tax liability that I can not get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
In XXXX, I moved out of Hunters XXXX Apartments in XXXX, NJ. After moveout, I received an invoice from the property management company claiming apartment damages, but I was never given proof of the alleged damages. I was not offered a premoveout inspection, did not receive a moveout inspection report, timestamped photos, or any repair invoices or receiptsonly an itemized list of charges with no supporting documentation. 

The alleged balance was later placed with Columbia Debt Recovery LLC dba Genesis and is now being reported as a collection account. Since then, I have repeatedly requested documentation from : The original property management company XXXX XXXX XXXX XXXX XXXX new property management company that acquired the property Columbia Debt Recovery LLC dba Genesis In my written dispute letters ( most recently in XX/XX/XXXX and XX/XX/XXXX ), I specifically requested : an itemized list explaining each charge and how it was calculated, the signed/dated moveout inspection report, timestamped photos of each alleged damage, maintenance/repair invoices or receipts, lease sections authorizing the charges, and proof that the collector has authority to collect this debt. None of these documents have been provided by any party. 

Despite the lack of proof, the collection agency continues to report this debt, and XXXX has reported the account as verified as accurate after my dispute. I am not refusing a legitimate, documented charge ; I am being asked to pay for alleged damages that have never been substantiated with evidence. I am requesting that the collection agency and the credit bureau be required to either provide proper documentation of the debt or remove the collection tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XXXX of 2026 I called Citi to make a payment on my credit card. My credit card was closed by Citi and over the limit so the amount due was the minimum payment plus the amount over the limit. I talked with customer service and made the minimum payment which would only be the amount due for the month not the total balance over the limit. That payment was scheduled successfully and the rep asked if I would like to set up automatic payments. I specifically asked by doing that it would only take the minimum monthly due and not the full balance over the limit, in which he replied that was correct. 

Come XXXX they took the full amount over the limit plus the minimum monthly payment. I called them and reported this error and referenced the call in XXXX. They stated they would refund that payment and then would need me to make an additional minimum monthly payment. I did that, and then found out the payment was pending until cleared by the bank. It took over XXXX XXXXays for the payment to clear from the bank and then I called them back for the refund. 

They said they could refund me and it would take XXXX business days. A few days later I got a refund for my minimum payment and not a refund for the full amount over the limit. I called back and they said it looks like someone made a mistake and said they will need to process another refund. This time they were going to subtract the minimum lontey payment from the full balance over the limit and send me the remainder. I waited another week and then got a letter that I would not be getting a refund. 

This has been over XXXX weeks and the minimum balance due for the month was {$260.00} and they took out {$2300.00} plus made me pay the {$260.00} again and then sent the first {$260.00} back. This has caused several other accounts to overdraft my bank account, I am acquiring late fees, cant buy basic essentials, and cant pay my bills because they took an extra {$2000.00} that was not authorized and will not give it back.

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: 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: KEYCORP
State: PA

Complaint narrative:
My KeyBank credit card was charged on XX/XX/2026 XXXX which is over 600 % of credit utilization guidelines. My credit limit is only XXXX dollars which is a secured credit card. I have no over limit coverage on this card. The transaction should have never been processed. My card served as a card on file which I paid the rental car a deposit hold of my XXXX dollar credit limit. This is considered predatory lending. I reached out spoke with someone they told me to wait until my next bill cycle. The billing cycle came and went and the transaction is still there. I did not authorize this transaction. The company that presented the charge was supposed to send me a final bill because my credit limit was not enough to pay them. Now my credit store dropped by XXXX points due to this unfair credit utilization over 600 %. Which is predatory lending rates. I wish for my credit card company to remove this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Every time I try to pay my capital one credit card they return my payment and I miss my due date. Requiring me to be late and forced to pay interest and past due fees.This first started for me on XX/XX/XXXX when I tried paying XXXX to my credit card and then it got returned. Followed by XX/XX/XXXX with the same amount of XXXX. Then I tried the same amount on XX/XX/XXXX it was returned again. I tried XXXX XXXX more time on the XX/XX/XXXX it didnt go again. So I received a late fee. I tried paying a smaller amount of XXXX dollars on XX/XX/XXXX and another amount of XXXX dollars. All of the payments have been returned and XXXX here now struggling with the bill.

Company response to consumer: Closed with explanation