vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management XXXX Account XXXX XXXXXXXX XX/XX/2025 opened Balance {$13000.00} Account appears on my credit and I called and asked to haveit remove. Sent identity theft report and nothing was done. Account was deleted from XXXX and XXXX already.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/XXXX I paid the minimum due of {$120.00} for the upcoming due date of XX/XX/XXXX. I paid {$65.00} on XX/XX/XXXX and {$65.00} on XX/XX/XXXX paying {$130.00} before the due date of XX/XX/XXXX. I paid {$65.00} on XX/XX/XXXX and {$65.00} on XX/XX/XXXX for the due date of XX/XX/XXXX. Synchrony charged me a late fee of {$40.00} for XXXX and {$40.00} for XXXX. They claim that the XX/XX/XXXX payment posted to the prior period. That I need to know the cut off dates and should count backwards. That makes no sense. I am accountant and their math is not making sense. If I am paying more than half the minimum payment every other Friday then there should be no late fees. They are claiming the XXXX and XX/XX/XXXX payments posted to the XX/XX/XXXX payment. Every payment made after the due date should post to the next period. That is along XXXX rules. Not what they are doing. They are being paid every two weeks and charging a late fee because of how they choose to post payments.

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I have been a Chase customer since XXXX. At the end of XX/XX/XXXX, I closed my Chase Sapphire credit card account. I was informed once that my XXXX accumulated XXXX Rewards points ( valued at approximately {$1100.00} minimum ) would be forfeited if not redeemed within 30 days. These points represent many years of accumulation across my time as a Chase customer, making their loss particularly significant. I inadvertently missed this deadline and contacted Chase as soon as I realised my mistake, however I was advised there was nothing they could do. I wish to raise the following additional concerns : I paid an annual fee of {$95.00} in XX/XX/XXXX to hold this account. The account was closed in XX/XX/XXXX less than 10 months into the annual fee period. I did not receive any proration or refund of the unused portion of my annual fee, despite the year not being complete at the time of closure. I remain a significant Chase customer and continue to hold a substantial balance with Chase. I have taken the following steps to resolve this matter : I escalated to a supervisor within the Chase credit card team, who advised they were unable to reinstate the points My financial advisor XXXX raised a formal complaint with Chase 's internal complaints team on my behalf The complaints team subsequently called me and confirmed they are unable to assist as they can not override Chase policy Having exhausted all internal channels, I am requesting that Chase review this matter and consider reinstating my XXXX Ultimate Rewards points and issuing a prorated refund of my annual fee, in recognition of my 17 years as a loyal Chase customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
To the Capital One Executive Office, I am writing to formally protest the egregious mishandling of my funds following the closure of my account. The actions taken by Capital Onespecifically the unauthorized transfer of my private property and the subsequent refusal to release my full balanceare not only unethical but constitute a direct violation of federal consumer protection laws. Upon the closure of my account, I expected a full disbursement of my remaining assets. Instead, I received a check in the mail for the insulting amount of {$0.00}. My records indicate a remaining balance of {$410.00}. When I contacted your customer service department for an explanation, I was informed that {$410.00} had been unilaterally transferred to another account to satisfy a " debt. '' I have no knowledge of this alleged debt, I have never received any formal validation of such a debt, and I never provided written or verbal authorization for Capital One to move money between these accounts. UDAAP Violations : Under the Consumer Financial Protection Act, Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) are illegal. Withholding nearly my entire balance and leaving me with XXXX XXXX is a predatory action that causes substantial injury to me and my family. I am a single father of XXXX children. In our household, every dollar is accounted for to ensure my children have what they need. By arbitrarily seizing these funds, Capital One has placed an unconscionable financial strain on my family. I can not, and will not, allow a multi-billion dollar institution to practice " highway robbery '' with the money I rely on to support my children. I demand that Capital One immediately rectify this " error '' by performing the following actions : Immediate Restitution : Issue a certified check for the remaining {$410.00} to be delivered via expedited mail within three ( 3 ) business days. Debt Validation : Provide a detailed, written accounting of the alleged debt you used to justify this seizure, including original account numbers, dates, and proof of my liability. Corrective Letter : Provide a written apology and confirmation that this unauthorized transfer has been reversed. I expect an immediate response regarding the status of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
After closing on my house. XXXX XXXX should have sent me a Release of Liability document. My VA Loan was assumed by another Veteran and the VA is requesting this document for substitute their entitlements to restore my full VA benefits. I have tried to contact XXXX XXXX several times on the phone and the online chat but unsuccessful in getting a response. I previously filed a complaint with the CFPB against XXXX XXXX for the same inability to get a response from the company. It was only after filing this complaint that the company responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
Complaint against MOHELA regarding XXXX XXXX XXXX Private Loan Discharge I am a resident of Tennessee formally asserting my rights under the FTC Holder Rule ( XXXX XXXX Part XXXX ) regarding a private student loan currently held by MOHELA. The U.S. Department of Education has issued a full group discharge of my federal student loans for my enrollment at XXXX XXXX XXXX from XX/XX/XXXX XX/XX/XXXX based on formal findings of systemic institutional fraud. Despite these federal findings, MOHELA continues to collect on a private contract associated with that same fraudulent enrollment. Key Points of Complaint : FTC Holder Rule Compliance : Under XXXX XXXX Part XXXX, MOHELA, as the holder of this consumer credit contract, is subject to all claims and defenses I could assert against the original seller ( XXXX XXXX ). Excessive Recovery : I have already paid {$80000.00} toward an original principal of {$29000.00}. MOHELA has recovered 275.9 % of the original loan value on a contract born from documented fraud. Vocational Failure : The schools fraud resulted in a XXXX vocational gap ; despite my degree, I was unable to secure employment in the XXXX field until XX/XX/XXXX. Bad-Faith Administrative Hurdles : MOHELAs XXXX XXXX XXXX XXXX XXXX obstructing this discharge by demanding XXXX marketing materials from a bankrupt, defunct corporation. These records are legally and practically unavailable, as addressed in my attached Exhibit XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I suffered property loss or stolen in the amount of over {$250000.00} when Wells Fargo Bank merge with XXXX XXXX in XXXX. I rented a Safe Deposit Box form XXXX after XXXX XXXX of XXXX and in XXXX with XXXX XXXX XXXX arranged to pay for rental fees with automatic withdrawal over draft protection. XXXX XXXX XXXX in XXXX merge with Wachovia Bank and the account and contract remained. In XXXX Wells Fargo Bank XXXX XXXX XXXX was the last bank to have my accounts. The negligence, breach of contract and Failure to exercise duty of care. As the victim and retired Federal employee my family and I have suffered the loss of cash, bonds, jewelry and identity theft. My identity was used to rent Apartment and it appears someone have purchased a house in my name.I hold Wells Fargo Bank the reasonable party 's for the in house fraud and cover up.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance is refusing to disclose the original buy rate or review the dealer markup on my APR. Representatives repeatedly told me " We dont refinance '' instead of addressing my request for underwriting information. Capital One also told me to contact the dealership for the buy rate, but the dealership is permanently closed and lendersnot dealershold the buy rate information. I believe the dealership inflated my APR beyond the approved buy rate, and Capital One is refusing to provide required transparency or conduct a proper review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AZ

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase XXXX Credit Card was offering a cash back promotion on the purchase of a XXXX for the month of XX/XX/XXXX. I added this promotion to my account ( confirmed by Chase ). I used the link in the Chase website to go to the XXXX website and purchased my XXXX. The purchase amount had to be at least {$1000.00} in order to qualify for the {$250.00} cash back. My total purchase was {$5600.00}. I split the payment into 2 payments, one payment through my XXXX XXXX XXXX card in the amount of {$2500.00} and the remaining balance on my Chase credit card. The charge on my credit card shows " XXXX XXXX ''. I contacted Chase and they stated that because the payment was processed through " XXXX XXXX '' and not " XXXX XXXX XXXXXXXX '', I was not eligible for this offer. I think it is unfair and misleading, as the consumer has no control over how XXXX processes the payment. It still clearly shows that the purchase was through XXXX on my credit card statement. I waited until 30 days after my transaction to inquire with Chase. The purchase date was XX/XX/XXXX. The cash back offer should have been processed by XX/XX/XXXX. Chase has declined to honor the cash back offer. The representative I spoke with did say that he would escalate, but that it will be another 3 weeks for them to review and they will send me a letter. At this point, I do not have any confidence that Chase will help resolve this complaint timely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I never signed any contract with Spring Oaks Capital and I have complained before on their collection tactics and efforts you all investigated and they said that they turned the account over to another company that I have not heard of or heard from. Pursuant to 15 US Code 1692 ( g ), I would like to have this item removed from my credit report on all bureaus. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
For Account # XXXX I sent a letter requesting this information 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? ____ Purchased ____Assigned 9. Amount Paid if debt was purchased : 10. Commission for debt if collection And LVNV Funding LLC sent me a copy of someone credit card statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA 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: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Subject : Factual Rebuttal to Pennymac Response Contradictory Evidence in XX/XX/XXXX Letter I am disputing Pennymacs response dated XX/XX/XXXX ( Complaint ID : XXXX ). Their claim that " no credit reporting errors occurred '' is factually disproven by their own documentation. Breach of Written Agreement : On Page XXXX, Paragraph XXXX of the Forbearance Plan letter dated XX/XX/XXXX ( attached ), Pennymac explicitly states : " we will report your loan current and in a Forbearance Plan to the credit reporting agencies during the forbearance period. '' Despite this written guarantee, Pennymac reported the loan as " Delinquent '' to XXXX and XXXX for XXXX and XXXX while we were in active compliance with the plan. Deceptive Verbal Instructions : During the XX/XX/XXXX, call, a representative instructed my mother not to make a payment of {$890.00} to complete the full payment of {$1700.00} specifically to avoid being removed from the plan. My mother followed this instruction in good faith. Pennymacs response now uses that exact compliance as their justification for " kicking her off '' the plan and retroactively applying delinquencies. XXXX XXXX : Pennymac further instructed us not to pay in XXXX or XXXX while evaluating our modification. They are now reporting those months as unprotected delinquencies. It is a deceptive practice to mandate that a consumer withhold or reduce payments and then penalize their credit report for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: SD

Complaint narrative:
I requested multiple escrow reviews from LoanCare regarding excessive property tax escrow collections. My actual annual property taxes are approximately {$5000.00} according to XXXX XXXX tax statements, but LoanCare continues collecting escrow amounts based on approximately {$14000.00} annually in taxes. I submitted requests in XX/XX/year> and again in XX/XX/year> requesting a corrected escrow analysis using the actual XXXX tax bills. LoanCare acknowledged receipt of my requests and provided estimated completion dates, but I did not receive a meaningful resolution or corrected escrow analysis. I also received a prior escrow refund due to overcollection, yet the monthly escrow amount still remains significantly inflated. I am requesting a corrected escrow analysis using the actual XXXX tax statements, a written explanation of the escrow calculations being used, and correction of future escrow collections.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: OH

Complaint narrative:
Hello, Colonial Auto Americas Car Mart in XXXX Ky, XXXX sold me a XXXX XXXX XXXX and it was complete junk. They wouldn't accept the car back after the car and title was left on there car lot. They then put it down as a repossession. I have tried to contact everyone of the companies that they keep referring me to and it's leading me no where. I now can't get a new vehicle and my XXXX XXXX has dropped tremendously because of this issue. The car amount was {$16000.00} and the amount left on the " loan '' is {$11000.00}. The date the account opened was XX/XX/year>, the account was closed XX/XX/year>. I have tried to dispute it and nothing happens. If you could reach out that would be great. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc.
State: AL

Complaint narrative:
I am submitting this follow-up complaint regarding the inaccurate and insufficient investigation conducted on the collection account being reported by this company. I previously disputed this account and requested proper validation of the alleged debt ; I reviewed the documentation provided; however, billing statements alone do not constitute proper validation or full verification of the alleged debt pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The company merely provided a billing statement, which does not constitute proper validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I specifically requested : A signed contract or application bearing my signature Complete payment history and itemized accounting of the alleged balance Proof of assignment or ownership of the debt Documentation showing the company has the legal authority to collect Method of verification used during the investigation The company failed to provide the requested documentation and failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). Furnishers of information are required to report information accurately and perform a reasonable investigation upon receipt of a dispute. Because the company failed to provide sufficient evidence supporting the validity and accuracy of this account, I am requesting the deletion of this collection account from all consumer reporting agencies immediately. I am also requesting copies of all documents relied upon during the investigation and verification process. If the company can not produce competent evidence of this debt, continued reporting may constitute inaccurate credit reporting under the FCRA.

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 2026-05-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
Request for Policy Change : Eliminate Bank Paper Statement Fees for Seniors I am writing to bring attention to a policy that I believe unfairly impacts one of our most vulnerable populationslow-income seniors. My XXXX mother is currently being charged a $ 3 monthly fee to receive a paper bank statement. When we inquired, we were told she could avoid the fee by accessing statements online. However, many seniorsparticularly those in their XXXX and XXXX not have access to or familiarity with computers or the internet. For individuals living on a fixed income, even small recurring fees can create unnecessary financial strain. Access to basic account information should not come at an added cost, especially for those who rely on traditional methods. I respectfully urge you to consider : Eliminating paper statement fees for seniors ( age XXXX ) Providing automatic fee waivers for low-income account holders Ensuring equitable access to banking services regardless of digital ability I believe this is a matter of fairness, dignity, and accessibility. Thank you for your time and consideration.

Company response to consumer: Closed with explanation