vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: IN

Complaint narrative:
Somebody got into my account and sent money to themselves. When I seen it I reported it as fraud and told them my phone was on me at all times I did not make the transaction. I have never had transactions with this person nor do I know them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: WA

Complaint narrative:
I have requested formal debt validation from Resurgent Capital Services ( LVNV Funding ) twice regarding Reference ID : XXXX. It has been over XXXX days and they have failed to provide the original contract from XXXX XXXX or the Chain of Title proving they own this debt. Furthermore, as an XXXX XXXX servicemember, I notified them of my status, but they continue to collect on a balance that has not been adjusted per the Servicemembers Civil Relief Act ( SCRA ) 6 % interest cap. Under the FDCPA, they must cease collection until the debt is validated. Since they have failed to provide the original legal documentation after multiple requests and more than XXXX days, I demand the immediate deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: KS

Complaint narrative:
I am disputing recurring annual XXXXXXXX XXXX XXXXXXXX membership charges billed to my synchrony Bank Credit card from XXXX through XX/XX/XXXX. I did not knowingly authorize automatic renewal and was unaware these charges continued annually. I have not used the membership at any time since XXXX and received no benefit. These charges constitute unauthorized recurring billing and/or were made without my informed consent, Please provide documentation showing my authorization for these charges.

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
In XXXX, after graduating, I was instructed by my federal student loan servicer to enroll in the XXXX plan and was told that no payment was currently due. I relied on that guidance and later continued to receive similar direction while my loans were transferred from XXXX to Aidvantage. In XXXX, I accepted an additional approximately {$20000.00} in graduate XXXX loans based on the understanding that the repayment estimate provided through XXXX and confirmed by the servicer was the most accurate information available. As of XX/XX/XXXX, my federal student loans total approximately {$89000.00} and are currently in forbearance. My account shows a monthly payment of {$63.00}, but I have not been given clear, reliable guidance about what my real payment obligation is, how interest is being handled, or how my payments and forbearance periods affect XXXX XXXX XXXX XXXX. I have worked in public education since XXXX and have not had a fair opportunity to make informed qualifying payments. I have already sent a formal dispute letter to Aidvantage and copies to the Department of Education and XXXX on XX/XX/XXXX. I am requesting a full audit of my account, correction of any inaccurate repayment or interest records, restoration of any lost PSLF credit, and discharge or cancellation of any balance that can not be fairly reconstructed or properly administered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: MOHELA
State: NY

Complaint narrative:
I want charges on my credit report to be removed such as student loans and other charges I am unaware of

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
No actions have been taking they havent helped me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I requested validation of a debt being reported by Jefferson Capital System LLC. In response, they only provided an account summary and a revised billing statement from XXXX. The bill clearly states that it was revised to include charges that were not reflected on a previous statement. This raises serious concerns about the accuracy of the balance being reported, which is {$3100.00}. The company has not provided a full itemized breakdown of charges or documentation showing how this balance was calculated. They also failed to provide a signed contract or agreement. Despite the lack of proper validation and the presence of revised charges, the account continues to be reported and collected. This makes the account inaccurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
I submitted a formal debt validation request to Fair Collections & Outsourcing ( FCO ) on XX/XX/year> regarding an alleged balance of approximately {$5300.00} for XXXX XXXX XXXX On XX/XX/year>, FCO responded with documents ; however, the information provided does not meet the requirements of proper validation under the Fair Debt Collection Practices Act ( FDCPA ). The response did not include a complete and accurate itemized breakdown of the charges, or sufficient documentation proving the balance is correct. Additionally, no documentation was provided showing FCOs legal authority or full chain of assignment to collect this debt. Despite failing to provide proper validation, this account continues to be reported on my credit file. This is inaccurate and a violation of my consumer rights. I am requesting that FCO either provide full and proper validation in compliance with the FDCPA or immediately delete this account from all credit reporting agencies.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
Bank account was opened on XX/XX/XXXXXXXX shortly before travelling abroad. Upon returning I didn't even remember what type of account I had or implications of using it. On XX/XX/XXXX, I approached bank manager XXXX XXXX at XXXX XXXX XXXX Branch, told her my XXXX XXXX was nearing it's {$1000.00} limit, my intention to start 2 new businesses and an urgent need for a debit card. At this time she ordered a new debit card on the account without saying a word about limited transactions on money market account. At that time, she could have just as easily opened for me a checking account and ordered me a debit card on that account. I may have opted out of paper statements, but I also never received any e-statements in the email. Proof is that time to time, I emailed to XXXX XXXX to find out my balance amount. I even had no access to online banking because it wanted to send a verification code to my XXXX old phone #. I told this to XXXX XXXX and multiple departments of XXXX only to hear that my info in my account was up to date. Saw XXXX XXXX again to fund account with another {$5000.00} so it doesn't go into negative again. Again she said nothing about limited transactions on money market account. Account going into negative and a check bounding made me suspect fraud so I picked up a statement and learnt of {$15.00} per transaction " excessive withdrawal charge ( s ) '' happening even before the account went into negative. Finally, I learnt that account was a money market with limited transactions. While it's true that banks limit transactions on money market accounts, they also don't issue debit cards on those accounts. Bank is more at fault in this XXXX than I'm. Entire {$2200.00} went to the bank, not a cent to any XXXX party. They can just as easily refund what they extorted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC, which is attempting to collect a debt from me without providing the legally required validation. I informed them that I have been a victim of recent credit breaches that have exposed me to identity theft. LVNV Funding LLC contacted me claiming that I owe a debt. In response, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested full validation of the alleged debt. Despite my written request, LVNV Funding LLC has not provided adequate documentation proving : That the debt is mine The amount they claim is accurate Their legal right to collect on the debt A signed contract or agreement that bears my signature authoring credit A complete chain of title showing ownership of the account Instead of supplying proper validation, LVNV Funding LLC has continued collection efforts. This includes letters that I responded to via US mail. These actions appear to violate my rights under the FDCPA, which requires a debt collector to cease collection activity until proper validation is provided. I am requesting that the CFPB investigate LVNV Funding LLCs practices and ensure they comply with federal law. I also request that LVNV Funding LLC be required to provide full and complete validation of the alleged debt or cease all collection efforts and correct any related credit reporting. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
PHH aka now Onity informed borrowers on loan modification due to medical hardship. they put loan under review of modification and while wife ( borrower ) informed PHH/Onity that my husband who is XXXX XXXX XXXX XXXXXXXX Permanent and total medical hardship increased to us staying in XXXX XXXX and XXXX XXXX for moths awaiting XXXX XXXX they deceptively said no new news on mortgage after many calls and moved into forclosure for XX/XX/XXXXXXXX when ( wife/ borrower ) has been on the phone asking and seeking help and getting updates of loan modification for weeks 2-3 times a week from transpant unit and they saying no new news on modificaiton and dont have to pay until modification complete and all the while saying on XX/XX/XXXX that they denied modification on XX/XX/XXXX and will proceed to forclosure XX/XX/XXXXXXXX when borrower was on the phone with them on XX/XX/XXXXXXXX and all agents/reps there never releasing info until XXXX XXXXXXXX that loan mod was denied a long time ago and they are forclosing -- we have never recvd official notice yet from a sherriff of certified mail -- as of XX/XX/XXXX and was on call on XX/XX/XXXXXXXX with PHH/Onity and XXXX XXXX relief dept says they can do nothing except we accept forclosure on XX/XX/XXXX. PHH rep XXXX told us now talk to foreclosure attorneys -- XXXX & XXXX XXXX -out of XXXX TX and call to see when to be out of XXXX. Totally deceptive, no notices, no updates on calls, no compassion

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 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment on XX/XX/year> in the amount of {$180.00}, after my payment processed i woke up the next morning to see that the account was $ XXXX meaning that a double payment was made so I called Wells Fargo, they said that they would said XXXX of the payments back and leave my original payment alone and i would not be charged a late fee. Well i check again the following day on XXXX, that not only have they reversed my original payment, they also charged me a late fee. So I called again, repeating this information and they said they charged the fee to keep my account in good standing without communicating that at all. So now the case is under review but I still havent received my money back at all. They said it will take XXXX days to get my money 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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/year>XXXX I financed a closet for XXXX from XXXX XXXX XXXX with a promotion of deferred interest payments for XXXX before the promotion was over I started receiving bills from synchrony home with interest added to the balance I did not know who they were I contacted the company and found they were partners with XXXX XXXX store which was not told to me at the purchase time I explain this to the representative I put in a dispute and continued to make my payments the dispute came back and it was not in my favor I contacted the person on the letter left about XXXX message they never returned my call I called the company back and put in another dispute it was explained to me that interest and fees would not be charged to the account whilst in dispute but they were doing just that charging my account interest and late fees I got an alert from XXXX about this where synchrony had been reporting false information to the credit bureau I then put a dispute in with XXXX against synchrony home for reporting false and inaccurate information and for them not honoring the promotional agreement during this time I learned from a representative at synchrony that they have severed ties with XXXX XXXX and on or around XX/XX/XXXX the dispute was found in my favor however to this day I have not received that letter and it does not reflect on the balance had I received the letter I would have returned to making my payments and we would not be here synchrony home is very dishonest I owe them {$500.00} and Im will to pay what I owe but will not be cheated I have a recording but it still to large to attach

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On numerous occasions my account was charged over draft fees from the years of XXXX to presnt

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 monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing a complaint against Westlake Financial regarding a payment dispute that has been unresolved for over one year. On XX/XX/year>, I made a payment of {$290.00} to my original lender, XXXX XXXX, prior to my loan being transferred to Westlake Financial. I have provided official bank statements clearly showing that this payment was successfully withdrawn and processed. After the loan transfer, this payment was never applied to my account. As a result, my account was incorrectly placed in delinquent status, and I was forced to make an additional payment to bring the account current. This resulted in an overpayment. Westlake Financial now claims that the original payment was reversed. However : My bank records show no reversal or returned funds. I never received any notification ( email, letter, or otherwise ) that a reversal occurred. Westlake Financial has not provided any documentation proving that a reversal took place. I have submitted proof of payment multiple times over the past year and have repeatedly followed up for updates. I have had to contact the company consistently just to receive responses, and the issue remains unresolved. At this time, I am at the end of my loan and attempting to make my final payment. However, this unresolved overpayment issue is preventing me from doing so confidently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
Failure to Provide Required Notices and Denial of Redemption Rights After Repossession I am filing a complaint regarding a title loan issued in XXXX by TitleMax and a subsequent repossession that occurred in XXXX around XX/XX/year>. Since the repossession, I have not received any written communication, including : No Notice of Intent to Sell No Notice of Sale No written redemption instructions No confirmation of the vehicles location It has now been over six weeks since the repossession, and I have made multiple attempts to obtain this information by phone. Representatives have been unable to provide clear or consistent answers. Additionally, I was given conflicting and misleading information regarding my right to redeem the vehicle : Initially, I was told I could not redeem the vehicle because I had relocated to California Later, I was told that I could have redeemed the vehicle, but that the opportunity had expired due to a 90-day default period This contradiction suggests I may have been denied a fair opportunity to redeem my vehicle. I also want to note that I filed for XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, and this account was included in my filing. The lender has not acknowledged or addressed this in any of my communications. At this time : The vehicle has not been sold or sent to auction Title remains in my name The lender has not provided required documentation or transparency I am requesting : Immediate written documentation of all notices related to the repossession and intended sale Confirmation of the vehicles current location and status Clarification of my redemption rights and whether they were properly communicated A full accounting of any fees being added to my balance An explanation for the failure to provide timely and required notices I believe the lender has failed to follow required procedures and may be in violation of consumer protection laws regarding repossession and post-repossession notice requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I submitted a request for a balance transfer on XX/XX/26. I started a chat on XX/XX/26 to find out why it was not completed. Citi responded that there is a 14 day hold to allow customers time to make change. I stated that I did not need changes and to please process. Then a supervisor came on and said it is a fraud hold. I asked for other ways to verify and they said there was nothing to do. I asked for other escalation and they gave me a number to escalate. The rep on that line refused to help at all. I asked for a supervisor and she said this is just a new customer hold. I argued that I am already a customer and that this is just a new account. This supervisor came in with an attitude to just drop that hammer and shut it down. I argued that this was not disclosed in any understandable way when I applied. She said I should have read the disclosure. I asked where it was located, but she did not tell me. They failed to disclose an unnecessary hold, and refused to expedite. Now, I am being harmed by a fico hit I didn't need and potetially by interest charges.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was reviewing my account with Citibank and noticed an unauthorized ACH transfer in the amount of {$300.00}. I immediately contacted Citibank to report the transaction. The representative advised me to visit the nearest branch, where I was instructed to open a new account and close the compromised one, which I completed on Saturday morning. At this time, I am still awaiting the return of the funds from Citibank. Note : I did not receive any email or alert from Citibank regarding the unauthorized ACH transaction. I also confirm that I do not have an account with XXXX XXXX. Additionally, I was alerted by XXXX XXXX XXXX regarding an application they received to open a savings account using my personal information. They notified me via email and temporarily froze my account to bring this to my attention. I confirmed that I did not initiate this application, and it has since been denied.

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 monetary relief