vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This misreporting is negatively impacting your XXXX XXXX or causing an artificial " over-the-limit '' status, you can dispute the incorrect information on your credit report. Submit a formal dispute to XXXX XXXX XXXX XXXX, and include documentation showing my actual credit limit. I can start this process via the XXXX XXXX to access your records.As soon as they answer, politely but firmly request to be transferred to the XXXX XXXX Department or escalated to a Supervisor/Manager.Ask them to open a " back-office research ticket '' to review your account history.. i have uploaded proof so what's next.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo paid a purchase to XXXX computer after they asked if I recognize the decline transaction of {$120.00}. I said " NO ''! They paid the transaction after I said i did not recognize the transaction

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 non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XXXX 2008 was gifted to me, I provide XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, send letter for XXXX XXXX and send register letter, Upon regiration of the car, we noticed there ia XXXX on car that is been paid long time ago, All i need is XXXX XXXX so I can register the car VIN NO : XXXX XXXX 2008 License XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
We incurred an escrow shortage for tax year XXXX. Our mortgage increased {$1500.00} XX/XX/XXXX. This increase was without any advanced notice or thorough explanation. They just went ahead and increased the amount of the auto-payment. In XXXX ( don't have specific dates ) it looks 3 separate phone calls to speak with reps just to understand the numbers behind the shortage. It genuinely feels like their CSR 's are intentionally not trained so they can not be helpful. We were then able to increase the escrow repayment from 12 months to 36 months, which brought the monthly payment down {$770.00} per month. It feels like this is a conversation that needs to be had before they just start snatching more money without notice. This process was equally confusing, because the first rep I spoke to requesting the increased repayment period said she would note the file and someone would reach out ( never happened ). The second rep was able to update the repayment plan while I was on the phone with them. Part of the cause for the escrow shortage was we did not file a homestead exemption. We have since filed and gotten an approved certificate of error. I have submitted the assessors document stating cert. of error is approved, along with screenshots from the assessor 's website with the property listed, and they have not provided an escrow re-analysis. I've reached out various times both via the online portal and over the phone just to clarify what documents they need to run the re-analysis ( as the treasury office is just now processing the refund ). I still have no idea what we need to submit to have this completed. Documents were originally submitted XXXX. Their reply was about XXXX and XXXX tax payments and completely irrelevant to me request. I spoke to a XXXX yesterday regarding this same issue and was told me message would be relayed to ESCROW department and someone would reach out. The rep yesterday could not provide any sort of timeframe for that ( returned in the order received ). Well, I have still not gotten a call. This has happened multiple times. It is also worth noting that their online portal / messaging system is clearly designed to ensure nothing gets done. Regardless of your inquiry or question you get an automatic message stating " 7 business days of research '' are needed. Then the chat / message closes and you have to start a new one. Eventually they send a message, which has never once answered the question asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I am filling this formal complaint against Resurgent Capital Services, acting on behalf of XXXX XXXX XXXX, regarding their failure to provide adequate deb validation as required under the FDCPA. I previously requested these companies to provide the original signed contract on a certified letter and to date, they have failed to provide the requested information only sending an account summary report. Despite this lack of documentation, this debt continues to appear on my credit reports. I have attempted to resolve this matter, but the company has failed to comply and did not provide the information requested nor has removed the account from my credit report, as result of this I am now documenting this as my INTENT TO SUE for violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Lendbuzz Inc.
State: TX

Complaint narrative:
I pay my bill every month on time and I paid the bill before the payment even withdrew. So instead of the automated system stopping the payment since I already made the payment it tried to draw from my account again and it charged me a nonsufficient funds fee when my bill was already paid so I reached out to Lynn buzz and they told me that they couldnt do anything about it that the fee cant be removed. I dont think that its right for me to have to pay a fee that I dont deserve being charged when I paid my bill on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have made several requests for over a month for a replacement card. Each time they stalled with a generic standard message about waiting 7 to days for an update. I have never been late or missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Stellantis Financial Services US Corp.
State: TN

Complaint narrative:
On XX/XX/XXXX. 2026, I received a " NOTICE OF RIGHT TO CURE DEFAULT '' ( see attached ), from First Investors Servicing Corporation, a subsidiary of First Investors Financial Services Group. The notice is dated XX/XX/year>. As you can see on the notice, XXXX XXXX claim, as of XX/XX/year>, I had a past due amount of {$890.00}. However, on the date of the letter I had an actual past due amount of {$1300.00}. It wasn't until I made a payment of {$480.00} ( my normal monthly payment ), on XX/XX/year>, that my past due balance was reduced to the {$890.00} amount shown on the notice. And that this amount had to be received by First Investors, in full, no later than XX/XX/year>, in order to cure the default. Also, the envelope in which the notice was sent did not have a postmark on it. But it did have a barcode ( see attached ) printed on the face of the envelope. I took the envelope to my local XXXX XXXX, where they scanned the barcode for me. The barcode revealed that the letter was NOT received by the XXXX XXXX on the date of the letter or, not on the following date ( XX/XX/year> ) either. The barcode revealed that the letter came into the XXXX XXXX 's possession on XX/XX/year>. Seven ( 7 ) days after the date First Investors claimed the letter was deposited with the XXXX XXXX. And because it was mailed later than First Investors claimed, I was left with only left with five ( 5 ) days to cure the default. On XX/XX/year>, I contacted First Investors to inquire about the discrepancies on the notice I had received. They had no explanation as to why the past due payment they showed on the notice was incorrect, as of the date of the notice. They did confirm that I had made a payment of {$480.00} on XX/XX/year>, but insisted that payment did not change the past due amount shown on the notice, which was purportedly created five ( 5 ) days earlier, on XX/XX/year>.

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 2026-05-20 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: CT

Complaint narrative:
I am writing regarding ongoing issues accessing my Capital One online account following a phone number change approximately three months ago. Despite contacting customer service multiple times and being repeatedly advised that my account information had been updated, I still do not have access to my online account. As a result, I have been unable to properly monitor my account, review statements, or manage payments. In addition, I have received conflicting information regarding the amount allegedly due on the account. Most recently, I received correspondence indicating a balance of {$66.00}, while I am now being informed that the balance is {$140.00} and that the account is past due. I have requested the following : * Immediate restoration of online account access * Written verification of the current balance and payment status * Review of the account history related to prior customer service contacts and attempted updates * Confirmation that any negative credit reporting related to this matter will be investigated accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year> I had delivery stolen and I filled a claim with FedEx. XXXX denied the claim stating that XXXX would have to file the claim. After waiting over 3 months XXXX sent me a refund through PAYPAL stating this was the only source for refunds. XXXX sent the payment to my PayPal account as if I sold them an item, I was charged a fee by PayPal. then they locked my account and held my refund. I sent purchase receipts, emails conversations from XXXX, XXXX and the TIK TOK shop where I purchased the E-Bike from. and they gave me a date of XX/XX/XXXX for the release of my funds. that didn't happen now their stating another 120 days! in addition, I borrowed money from my daughter to purchase another through the direct website not knowing it was going to take 3 months to get her money back to her. I received the 2nd EBike with no problem. PayPay has no right to hold my refund I've been stressed for over 4 month my XXXX XXXX high, headaches and has given me mental stress. PayPal is an awful source.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I over paid my credit card bill. I paid it because I needed to use it. The payment i made, full amount due, did not show as registered so I tried it again. Ultimately I overpaid. I spoke to two operators on Friday night. I told them I paid the card because I needed to use it over the weekend. I was assured a virtual replacement debit card would be available within 30 minutes and the paid in full card now with an additional large credit over and above my credit limit would be available to me to use as well. On Sunday the money I paid and credit plus overage was not available. On Monday the payments were still not available although they had cleared my bank. Today the credits show on my credit card but the money is still not available to me. I spoke with 6 people between Friday night and this afternoon. No one said the same thing. Initially I was led to believe my money would be available on Friday. Two of the operators on Sunday told me there was no supervisor to speak with. I called back and found one anyway. He was rude. Today I spoke with one as well. He told me he could do nothing, including track down the inconsistencies in operator misinformation to me. I want someone to-at least track the conversations. Recorded conversations of the clerks who misled me should be tractable and documented. If nothing else its atrocious customer service. Someone should care that right or wrong I was led to believe my money would be available. Someone should care. Someone should care that Im upset let alone disallowed use of my money.

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 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I took out a personal installment loan originated by XXXX XXXXXXXX XXXX through the Upstart platform on XX/XX/year>. The loan amount was {$11000.00} with an origination fee of {$1100.00} ( 9.531 % ). I paid off the loan in full on approximately XX/XX/year> 28 days after origination. Per Section 9 of my Promissory Note, a full prepayment within 90 days entitles me to a partial refund of the origination fee. I received a refund of {$780.00}. The company retained {$350.00}, which is 31.1 % of the origination fee for only 2.6 % of the 36-month loan term. I contacted the loan servicer ( Upstart Loan Operations / Grantor Structured Asset Based Finance Trust, Series 1 ) three times via email requesting the mathematical formula used to calculate the {$780.00} refund amount. On the first request, the representative explained the refund was based on the amortization schedule but provided no formula. On the second request, the company stated they are 'unable to disclose the formula used to determine the origination fee. ' On the third request, the company stated the matter was resolved, that they would provide no further communication, and again refused to disclose the formula. The origination fee is classified as a XXXX XXXX XXXX on my TILA Notice it is not interest. Under standard pro-rata calculation, the refund should be approximately {$1100.00}. Under the Rule of 78s, the refund should be approximately {$1000.00}. The refund I received ( {$780.00} ) is $ 290- {$320.00} less than either standard method would produce for 28 days of use on a 36-month term. The company has refused to explain or justify this discrepancy despite three written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Turnbull Law Group
State: CT

Complaint narrative:
worked with Turnbull Law for multiple years to settle my debts, which they failed to do. I paid Turnbull close to {$19000.00} and they took exorbitant fees. I was sued multiple times by my creditors because they told me to stop paying my debts, which caused me a great deal of stress and ruined my credit score. Because of Turnbulls predatory business model, I had to declare bankruptcy in order to get rid of my debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
I am filing a complaint regarding inconsistent balance reporting, lack of transparency regarding interest charges, and concerns involving the handling of my account by this debt collection law office. I was informed that I owed approximately {$620.00} including court costs. I was never personally served court paperwork and only became aware of the matter after finding documents outside near my property. Once I became aware of the account, I immediately contacted the office and entered into a payment arrangement. I have since made payments totaling approximately {$150.00} and retained receipts and screenshots documenting those payments and account balances. After making payments, my account balance had decreased to approximately XXXX XXXX {$470.00}. However, when I later logged back into the payment portal, the balance had unexpectedly increased to approximately {$580.00}. When I contacted the office regarding the increase, I was told it was due to interest, but no employee or supervisor has been able to provide an explanation, documentation, itemized statement, or calculation showing how the interest was determined or why the balance increased so substantially despite payments being made. I have requested : - A complete payment history - An itemized breakdown of fees, interest, and court costs - Documentation supporting the interest charges- Clarification regarding the balance discrepancies To date, I have not been provided with adequate documentation explaining these inconsistencies. I am requesting that this matter be investigated and that the company provide a full accounting of the debt and all charges being added to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I would like to sue Capital One for changing my card from XXXX to XXXX without consent. This happened on the same account with the exact same money. Now my credit card is getting rejected abroad and in popular websites like XXXX. Apparently there was something in the contract that allowed for Capital One to do this but remember I signed up for this account when I was a teenager. On the basis of unconscionability I think I should sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/year>, I deposited a {$370.00} Georgia Department XXXX XXXX income tax refund check into my checking account using mobile deposit. At the time of the deposit, I was advised that the deposit would initially be delayed because it was made on a Saturday outside of normal operating hours. After the deposit posted to my account, the funds still remained unavailable and there was no clear indication provided regarding when the funds would be released. I then contacted the bank for clarification and was informed for the first time that the funds would not be available until XX/XX/year>. During the call, I requested additional information regarding the reason for the extended hold and asked whether the hold could be reviewed or shortened. I was initially told the hold may have been related to NSF activity on the account. I specifically asked how many NSF fees were associated with the account, and after placing me on hold, the representative returned and stated they could not identify any NSF fees. I was then given a different explanation and told the hold was related to the account being less than two years old. I do not believe a 12-day hold on a {$370.00} government-issued Georgia income tax refund check is reasonable under these circumstances. The bank has the ability to verify government-issued checks, and the amount involved presents minimal risk to the institution. Consumers and merchants are routinely able to verify and process check payments in significantly shorter timeframes. I requested that the bank review the hold and release the funds sooner, but no meaningful resolution was provided. I am requesting that the bank immediately review this hold and make the deposited funds available prior to XX/XX/year>.

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