vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I do not recognize the supposed debt. I do not own the supposed debt. I have great credit with XXXX available credit. I had some credit card debt when I went to XXXX 12 - 15yrs ago and family made arrangements and paid. What about debt validation, time-barred debt, bocus debt.... I do not owe supposed debt but these companies know itll cost more to fight it in court than to just pay it!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Recurring unauthorized debit transactions labeled XXXX XXXX XXXX were charged to my childs Chase checking account. The most recent charge was {$7.00} in XX/XX/year>, with a prior similar charge of approximately {$6.00} in an earlier month. Neither I nor my child authorized these transactions. 

There is no XXXX XXXX membership, no digital orders on any XXXX account, and no email confirmations for these charges. I contacted XXXX, and they stated they can not identify the source, device, or transaction details for the charges. I contacted Chase ; the debit card was replaced twice, but the charges continued. 

Chase was unable to permanently block the merchant or identify the source of the withdrawals. The only way to stop the transactions was to close the checking account entirely. I am concerned that this issue could recur if a new account is opened, and that neither the bank nor the merchant can trace or stop these unauthorized debits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank hasnt released my XXXX TREASURY deposit for {$2200.00} scheduled for XX/XX/year> early today by XXXX. They usually deposit my Social Security XXXX days early by XXXX through their EARLY DIRECT DEPOSIT program. However they failed to deposit it today into my Checking Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I am filing a complaint regarding an interest charge of approximately {$1100.00} that was assessed on my CareCredit account serviced by Synchrony Bank. 

On XX/XX/year>, I contacted CareCredit customer service regarding this interest charge. During that call, I was told by the representative that if I paid the remaining balance on the account, the interest charge would be waived. At the time of this call, the account was already beyond 30 days past due. 

Based on this information, I attempted to make the payment. When I called back on XX/XX/year> to pay the remaining balance, I was informed that the interest could not be waived because the account was past 30 days, directly contradicting what I was told the day before. 

I later spoke with a manager who stated that the representative would not have been able to do that. Regardless of authority, I was provided incorrect information, relied on it, and would not have delayed payment if I had been told the interest could not be waived. 

I am requesting that Synchrony Bank review the call recording from XX/XX/year> at XXXX and remove the interest charge as a courtesy adjustment due to misinformation provided by a representative.

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 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX my birthday is XXXX and my ssn is XXXX and my checking account number is XXXX and I need all my denied claims disputes on my account to be appeal to be reopen and re investigation and re investigate and review for a new decision because I disagree with all the old decisions was made and make sure I get a full temporary or permanent final credit for - {$420.00} and look for the disputes numbers for me because I couldnt get it from the agents or supervisor because they was not helpful and refused to provide it to me more then one time and kept telling me they couldnt tell me it or reopen it and I need to contact the bussinsss company and I did no luck I told them and didnt want to reopen my denied disputes claims for re investigation and review I need them all reopen and re investigate for fraudulent unauthorized or file them under a new dispute claim numbers for me and also make sure all fees that should be on my account are automatically refunds or credit back to the account or waived or reversed like the noon sufficient fees and negative and over draft fees and return fees and other fees like those fees etc.

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 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX my vehicle was totaled out due to a deer hit my insurance company value the car at about {$10000.00} The approximate value of my loan at that point was about XXXX but with {$1000.00} deductible my insurance company issued a check for about {$9000.00} However, when I purchased the car, Westlake Financial had told me the vehicle was covered for gap insurance, but they are now denying I also should point out that the vehicle was part of re affirmation agreement My attorney has since retired so I'm trying to look into how do I fight this with them but they are harassing me on a daily basis, including Saturday and Sunday This past Friday they have called at least five times per day starting at about XXXX in the morning and going to XXXX at night I need some assistance with looking into why are they denying the gap insurance and I need the harassing phone calls to stop as I have explicitly told them I do not have the money to pay it. I can not afford two car loans and the car was covered for gap insurance When I looked the car up on XXXX XXXX XXXX, it was estimated to be around {$7000.00}. My insurance company paid more than what the car is worth. Yeah I'm still being harassed by them. 

I understand there is a balance on the loan, but harassing me during the day and disrupting my job. It's just gon na cause me more problems. 

And I don't feel it's right that they can sit here and call me seven times a day starting at XXXX in the morning and calling me on Saturday and Sunday nights I had full coverage on the car and gap insurance to Westlake Financial. There should be no reason they are calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
The collection agency is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX Mn, XXXX. 
I received a summons in XXXX to which I responded to in writing as requested in the paperwork to offer a solution to paying off the debt. I got no response from the agency and they moved ahead with the lawsuit. I pled my case in the court hearing and they said it was because I addressed the letter to them instead of to Capital One ( Capital One says they should have to part in the process once it is handed off to the agency ). The judge ruled in their favor and let the place a judgement against me. I received the judgement paperwork and it did not give any details. I again contacted them stating I received the paperwork but it still didn't tell me who or how to pay and I still wanted you work with them to settle. I again got no response. I contacted them a few more times with no response. I also contacted the court through which the suit was filed stating I have been trying to settle the debt and work with the agency and they said they could not help me and offered to me that is continue to email the agency and hopefully they would respond. I still have not gotten any response and they now have filed to garnish my wages. 
I contacted Capital One and explained the situation and they were launching their own dispute/ investigation on the account. To this point I still have not gotten any response from the agency or Capital One. 
I have copies of the letters and emails sent. 
The court hearing was recorded and I assume can be accessed if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NH

Complaint narrative:
IC Systems never provided me with a notice to dispute or inquire about the alleged debt from XXXX XXXX XXXX. I only found out because it was reported to my credit report. I work for XXXX and have never had anything go to collections. When I called The rep told me to check my emails-I did and there is nothing from them. I never received anything call, email or letter in the mail. When I asked for information on the debt she could not provide me any information other than I owed XXXX which was reported to my credit report. I asked how can I feel comfortable paying when I dont know what its for. She could not provide dates of contact except said emailed XX/XX/year> from icsystems email and I searched and again nothing. I did not get proper notice nor any information to verify this debt and this can negatively impact me as a government employee. I can not attach documents bc I dont have anything except where it was reported to credit report and that I did a search for emails. XXXX never notified me of any past due amounts and I checked my account and no notices. They said all paperless notice-again I didnt receive anything call notice of past due amount

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 2025-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/10 multiple charges on my account was made I called right away. 
Today I see the charges on my account and reason they gave over phone was I had my physical card and I told them how can I be in two places at once. Chase denied my Regulation E debit card fraud claim solely because I retained possession of my physical card, without providing evidence that I authorized the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
I have a XXXX  debit card for my son. On XX/XX/XXXX at XXXX I received a notification that a charge had been made at XXXX XXXX XXXX in the amount of {$20.00} and there was insufficient funds to cover the transaction. I knew this didnt sound right. I got out of bed and looked and my son was in the bed. It was a school night and he is XXXX. I immediately began on changing passwords. The next morning when he was heading to school I made sure that he had his Venmo card. I actually laid my eyes on his card to be sure it wasnt lost or loaned out. He has never done that, but just in case. I called Venmo and began a dispute based off of above. I confirmed with them that the supposed transaction occurred at XXXX and informed them he was in the bed. This week, I received an email that my claim was denied because the transaction matches authorized spending activity. Theres no way he made this transaction as he was home as well as his Venmo card. I am not even sure what store this is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Company : Goldman Sachs Bank USA ( Apple Card ) Issue : Incorrect/Unfair Credit Reporting Goodwill Review Denied Summary : I am requesting a goodwill adjustment for two recent 60-day late payments that occurred due to a documented emergency medical hardship ( XXXX  XXXX ). 

I have had a perfect on-time payment history since opening my Apple Card in XX/XX/year>, have no other derogatory credit history, and my account is now current and in good standing. I have also enrolled in AutoPay and intend to pay the full balance within the next few months. 

I am requesting a one-time goodwill adjustment to remove these late payment notations as they do not reflect my normal payment behavior and were caused by a temporary medical emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
CONTACTED BARCLAYS AND XXXX XXXX this is whats stated in my rewards XXXX sees the transaction on their end and told me to contact frontier You will earn Instant XXXX XXXX Status ( " XXXX XXXX '' ) after your first purchase posts to your account, less credits, returns and adjustments ( " Net Purchases '' ) with a transaction date within the first 90 days of new Card Account opening. XXXX XXXX will be awarded 3-4 business days after the first Net Purchase posts XXXX refused to update my status saying I need to spend {$3000.00} on the card to unlock gold status, IT CLEARLY STATES THIS In order to maintain XXXX XXXX  for 12 months from Card Account open date, you must also spend XXXX XXXX dollars ( {$3000.00} ) in Net Purchases with transaction dates in the first 90 days of new Card Account opening. 


spend {$3000.00} to MAINTAIN STATUS NOT UNLOCK IT

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 2025-12-31 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: MA

Complaint narrative:
I disputed hundreds of unauthorized and fraudulent card transactions with Cash App involving the same merchant ( XXXX ), occurring over an extended period. Cash App acknowledged fraud on the majority of these transactions and refunded over {$8000.00}, confirming that the merchant activity was fraudulent. 

However, Cash App denied and later appealed approximately XXXX  % of the related transactions without providing any factual explanation, evidence, or documentation supporting the denials. On XX/XX/XXXX, I opened disputes for the remaining transactions. Cash App denied them on XX/XX/XXXX. I appealed these denials on XX/XX/XXXX, which was the XXXX business day after my dispute notice. 

On XX/XX/XXXX, Cash App denied all appeals the same day they were submitted, without contacting the merchant, initiating chargebacks, or providing any evidence of an investigation. The appeals were closed immediately, coinciding with the date provisional credits would have been due under Regulation E if the investigation was still ongoing. 

I requested full documentation supporting the denials, including proof that the merchant was contacted, records of any chargebacks, merchant responses, and the factual basis for determining the transactions were authorized. Cash App has not provided this information and instead stated it may take XXXX business days to provide documentation, despite having already issued final denials. 

Cash App has also provided inconsistent statements, alternately claiming the disputes are closed while stating investigations are ongoing. To date, I have not received provisional credit, supporting documentation, or a clear explanation for why a small subset of transactions was denied when the same merchant refunded the majority of identical transactions. 

I believe Cash App failed to conduct a reasonable investigation and failed to comply with Regulation E requirements regarding provisional credit and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
I made my monthly payment today at the regular price for the month which is {$680.00} I have Never Ever NOT paid a month since getting XXXX XXXX XXXX in XXXX of XXXX & all that Im getting ready to write out is almost all interest at it to the vehicle price just from a late fee of {$30.00} this is interest on the late fee itself not the vehicle, just wanted to clarify that also not to mention theres always a fee even if you pay with a checking account every month of {$3.00} However these are all of the interest charges on a {$30.00} late fee as mentioned above. XXXX. {$910.00} charged on XX/XX/XXXX XXXX. {$30.00} late fee charged on XX/XX/XXXX car payment is Due on the XXXX of each month.. 
3. {$290.00} charged on XX/XX/XXXX, XXXX. {$670.00} charge on XX/XX/XXXX, XXXX. {$30.00} late fee charged on XX/XX/XXXX, XXXX. {$450.00} charged on XX/XX/XXXX, XXXX. {$510.00} Charged on XX/XX/XXXX, XXXX. {$400.00} charged on XX/XX/XXXX, XXXX. {$510.00} charged on XX/XX/XXXX, XXXX. {$30.00} late fee charged on XX/XX/XXXX, XXXX. {$550.00} charged on XX/XX/XXXX, XXXX. {$470.00} charged on XX/XX/XXXX all of these are interest charges unless noted otherwise this is very cruel, my XXXX, unfortunately has been XXXX  back to one more or this would have never ever happened on being late in general, but every payment has been made. It may have been late a few days if that this is not right. Ive tried speaking directly with the company that has Not made a difference

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 2025-12-31 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: TX

Complaint narrative:
The apartment I was living at ( XXXX XXXX XXXXXXXX ) put me in a dangerous living situation. I went into the office multiple times to tell them about a random man who walked into my apartment with a fob key, someone slashing my tires and breaking my window, stalking, and leaving notes on my door that were disturbing ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) Nothing was changed or done. In the state of Texas if your living situation is dangerous for example stalking or health/safety issues I have a right to break my lease especially if I already went to the landlord/company about it but there was no change. When I went in to talk about the breaking the lease ( XX/XX/XXXX ) I was told that because I was breaking the lease I would owe a small amount of money around {$700.00}. I moved out XX/XX/XXXX and returned my keys. When I got the email of the amount due they charge me a crazy amount of money and then stated they keys werent returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
I began a vehicle refinance in XX/XX/year> through XXXX. The loan was subsequently transferred to Santander Consumer USA for servicing. The refinance was approved in XX/XX/year>, and I began making payments to Santander in XXXX XXXX. To date, I have made three on-time monthly payments.

As of nowmore than three months after approvalSantander has not perfected the vehicle title. I have contacted Santander multiple times seeking confirmation of the title status, an explanation for the delay, and a timeline for resolution. I have not been provided with clear answers or documentation confirming that the lien has been properly recorded.

During this process, I moved from Georgia to Tennessee, which I disclosed. Despite this, I have received no meaningful communication regarding how the title transfer is being handled across states. Santander continues to accept payments while being unable to confirm that the lien has been perfected, which exposes me to financial and legal risk.

I am requesting regulatory assistance to require Santander to complete lien perfection promptly, provide written confirmation of the title status, and address the prolonged servicing failure.

Company response to consumer: Closed with non-monetary relief