vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank has been receiving monthly payments of approximately {$30.00} on my credit card account through a nonprofit debt management plan since XX/XX/XXXX, but has not responded to repeated requests from me and the nonprofit agency to review or acknowledge the plan or consider hardship assistance. 
What happened? 
I am enrolled in a nonprofit Debt Management Plan ( DMP ) administered by XXXX XXXX XXXX. The first payment under this plan was made to my PNC credit card account on XX/XX/XXXX, and monthly payments of approximately {$30.00} have been made consistently since that time. 
As of my most recent statement dated XX/XX/XXXX, the account balance is approximately {$1300.00}, with an interest rate of 32.49 %. Despite consistent payments being made for several months, interest continues to accrue and the balance has increased above the original credit limit. 
Since enrolling in the plan, both I and XXXX XXXX XXXX have sent multiple written requests to PNC Bank asking for review, acknowledgment, or consideration of the Debt Management Plan under hardship guidelines. PNC Bank has not rejected the plan but has not provided any response to these requests. 
PNC Bank continues to accept payments through the nonprofit agency while remaining non-responsive and applying a high interest rate. This lack of communication makes it impossible to understand the status of my account or whether hardship options are being considered. 
I am not disputing the debt and I am not requesting debt forgiveness. I am requesting : * A written response regarding my Debt Management Plan * Confirmation of whether PNC will acknowledge or review the plan * Consideration for hardship assistance or temporary interest relief while payments are being made through a nonprofit agency I am acting in good faith, making payments consistently, and attempting to resolve my debt responsibly. I am requesting transparency and communication from PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Made a payment of {$900.00} towards a balance on the XXXX XXXX XXXX on XX/XX/XXXX. Received notification that it was received on XX/XX/XXXX. It was also deducted from my XXXX checking account in that date. Amount was not reflected on the total of the XXXX then. Called on XX/XX/XXXX to inquire and was told that the payment will be applied on XX/XX/XXXX. No reason. No previous retuned payments or anything. Just because and no resolution. Just a POBox number that I can write to about my complaint. Requested for a copy of their policies and conditions and was told it will be emailed to me but it has not been yet.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This week, I was notified by Experian that this account ( XXXX CARD Account XXXX ) was opened and it was added to my credit report. I immediately submitted a dispute. I also contacted XXXX XXXX XXXX department to report this account as fraudulent. It was opened with an XXXX company in Arizona. I live in Indiana and only own a home in Indiana.This account needs to be closed immediately and I want to press charges on the company who fraudulently opened the account.

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 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Ava Finance, Inc
State: TX

Complaint narrative:
Contradictory status inaccurate credit limit and inconsistent reporting on an open account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
keeps reselling debt and damaging my credit beyond repair. Every few months, the " debt '' is sold to another debt collection agency and I'm am continuously harassed. This debt is being illegally reaged. I need the date of first delinquency, original creditor, Proof they're allowed to collect, and Proof of accurate reporting dates. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX are the debt XXXX that keep engaging in illegally re-aging debts. I need help as this has continued to damage my credit every XXXX months and I have proof of it damaging my credit repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX ( XXXX ), a third-party student loan assistance company. I paid XXXX fees for student loan services that I later learned were available for free directly through the XXXX Department of Education. 
NSLRs communications led me to believe that their paid services were necessary to properly manage or resolve my federal student loans. Based on these representations, I relied on their guidance and paid fees I would not have paid had I known the services were free. 

I later learned that in 2015 the Illinois Attorney General filed a consumer protection lawsuit against XXXX alleging deceptive and misleading practices, including charging borrowers for free federal student loan services. 
I have since submitted a XXXX XXXX to Repayment application with the XXXX Department of Education related to this matter ( Case # XXXX ). I am requesting CFPB review of NSLRs deceptive practices and the financial harm I experienced. 

Additionally, I have been in repayment on my federal student loans for over 20 years and am pursuing relief under applicable long-term forgiveness programs. The fees I paid to XXXX, based on misleading representations, caused unnecessary financial harm at a time when I should have been receiving accurate guidance toward lawful forgiveness options available through the XXXX Department of Education at no cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 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: CA

Complaint narrative:
It may have been in XXXX XXXX XXXX, I received a letter from Synchrony Bank stating they detected fraud on my account and as a precaution I needed to contact them. About that same time my card was denied at Sams Club for a purchase and another store. 
As other times, when I went online to pay an extra payment on my card and check recent charges, I couldn't access it. I've attached the message I get after filling in the requested Acct # & /or the XXXX  XXXX XXXX XXXX XXXX are the same XXXX XXXX & last XXXX are different, neither work. I've also att'ch my stmts.showing the acct. # and the back of the XXXX XXXX XXXX 
When I talk to XXXX they say they don't have my correct ph # on record. The # they have is over XXXX XXXX XXXX when I last moved. I verify my SS # correct address but they won't be able to allow me any service unless the old phone # is verified! When I said then maybe I need to cancfel that card if your records cac n't be corrected ; they're willing to do that w/o verifying the phone #!. It's unreasonable that they will allow me to close the account but not provide me with servie & options to correct their XXXX info. My interest cahrges are accumulating & their system won't even allow me to " pay as a guest '' stating the samre error of " invalid ''. I've had other acct.s Business & Personal & think this is a part of their internal records fault.

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 2026-01-29 00:00:00
Product: Mortgage — Conventional home 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: LoanCare, LLC
State: TX

Complaint narrative:
I submitted a forbearance request on XX/XX/XXXX, while my loan was current. XXXX LoanCare confirmed my application complete on XX/XX/XXXX, and approved forbearance for XXXX XXXX. Despite this, I received a Payment Reminder Notice for XX/XX/XXXX. 

XXXX LoanCare repeatedly marked my application as incomplete due to a system misclassification : I accidentally selected want to sell, triggering unnecessary short-sale documentation requests. Multiple calls and escalations did not resolve the issue until XX/XX/XXXX, when I submitted a corrected application. 

Additionally, while the forbearance was approved on XX/XX/XXXX, it has not yet been posted to my letters folder, though it is visible in the XXXX portal. This delay should not affect the retroactive coverage of the XX/XX/XXXX payment. 

An agent stated that XXXX could not be included and that I do not qualify for deferral because I have not been delinquent XXXX months. This is incorrect : per investor guidelines, borrowers who submit forbearance requests before a due date can not be reported delinquent while the request is pending.

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 2026-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
For Loan XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX, default interest of {$2400.00} continues to be assessed even though the original complaint regarding this issue was incorrectly marked as Duplicate by the servicer and never substantively addressed. 

In XX/XX/year>, my mortgage servicer failed to process an authorized ACH auto-draft payment due to an internal system error. The XXXX payment was due on XX/XX/year>, yet no ACH draft was attempted. On XX/XX/year>, the servicer cancelled my auto-draft citing delinquency. On XXXX, a servicer representative confirmed in writing that the ACH was not pulled because of a system error, stated that no late fees would apply, and instructed me to schedule the missed XXXX payment for XX/XX/year> and to resume ACH payments on XX/XX/year>. I followed these instructions exactly : the XXXX payment posted on XX/XX/year>, the XXXX payment was successfully drafted via ACH on XX/XX/year>, and all subsequent payments drafted normally. Despite this, the servicer issued a Notice of Default dated XX/XX/year> and later assessed default interest and related fees for the XXXX XXXX  period. An XX/XX/year> statement added default interest of approximately {$2200.00}, further increasing the amount due despite the account being current. I submitted a formal Notice of Error and Request for Information seeking ACH transaction logs, internal servicing records related to the system error, and a full accounting of all assessed fees. The servicer has not provided the requested documentation, and the improper charges remain unresolved.

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 2026-01-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I had a lease with XXXX XXXX for a XXXX XXXX XXXX. In XX/XX/XXXX I traded in my car for a XXXX XXXX XXXX. At that time, my new lease was made with XXXX. I inadvertently made XXXX additional payments on the XXXX lease, each in the amount of {$410.00}. XXXX was made on XX/XX/XXXX, and a second one was made on XX/XX/XXXX. I was reimbursed {$410.00} after speaking with XXXX XXXX. I spoke with customer service several times included the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Customer service employees acknowledged that one payment had been refunded. I repeatedly explained that XXXX payments required a refund. On at least XXXX occasions I was told a refund would be made but that never happened. On XX/XX/XXXX, customer service instructed me to speak with a 3rd party, XXXX, who handles their refunds. XXXX said they don't handle this type of issue. After that, I reached out the XXXX. They stated that they reached out to XXXX but received a response. XXXX  directed me to file a complaint with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 2288984 Ontario Inc.
State: OK

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I completed wire transfer to a wellsfago account from my wellsfargo account for a XXXX XXXX I then found out on XX/XX/year> in the am I had been scammed. I immediately called wellsfargo and gave them all the info. They said someone would be assigned to it in 7-10 days. I explained it was all their bank and cant they stop the illegitimate wellsfargo account. I always have to show ID to open accounts, so why cant they do something. They insisted its like cash and will take up to 30 days

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 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: OH

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
Over the past several weeks, I earned multiple payouts from online sweepstakes gaming platforms that were supposed to be delivered to my mobile/digital wallet. The platforms marked these payouts as completed, but no funds were ever delivered to my wallet. The companies have not provided proof of payment, transaction IDs, processor confirmations, or any documentation showing that the funds were actually sent. 

I contacted the companies multiple times and requested verification of each payout, including the date sent, the payment method used, and confirmation of the receiving account. Instead of providing this information, the companies repeatedly stated that my account was under review or that the payout was processed, without supplying any evidence. I also requested access to my redemption history, but this was not provided. 

As a result, I am unable to access funds that should be available in my mobile wallet. The companies have not resolved the issue, have not provided the requested documentation, and have not explained why the funds are missing. I attempted to resolve this directly with the companies before filing this complaint, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Beginning in XXXX, Capital One placed a prolonged restriction on my credit card account while I was living abroad, despite my account being in good standing and my repeated attempts to verify my identity. 

During this period, I submitted requested identification documents multiple times and contacted Capital One through official channels, but my account access was not restored in a timely or reliable manner. 

As a result, I was unable to use my primary credit card while XXXX, incurred financial disruption, and lost access to my only usable line of credit during that time. 

Separately, Capital Ones handling of my account raised serious privacy concerns. On XX/XX/year>, Capital One left a voicemail regarding my credit card account on a phone number belonging to a third party who is not authorized on my account. The voicemail referenced my full name and credit account, causing the recipient to believe the call was a scam. 

That individual forwarded the message to another family member, who then forwarded it to me. This demonstrates that my personal information was disclosed to an unauthorized third party without my consent. 

Capital One has never explained why this third-party phone number was contacted, how it was associated with my account, or what safeguards failed. This unauthorized contact caused confusion, concern about fraud, and additional XXXX  while I was already attempting to resolve an extended account restriction from abroad. 

Despite requesting clarification and resolution, Capital One did not provide a clear explanation or adequate remedy. 

This complaint follows a prior CFPB filing related to the same Capital One account ; despite that filing, the financial losses and privacy issues described here were not adequately resolved.

Company response to consumer: Closed with explanation