vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: NC

Complaint narrative:
This company is predatory and even after requesting the validation, have not provided a complete breakdown of the charges nor have they provided valid proof that the debt is mine. I had my identity stolen and my social security number has been compromised. This is not a card or debt that I have ever seen. If the debt is valid and they have evidence that it was me that made any charges, please provide that information. Otherwise, this debt needs to be removed and any negative information removed from my credit profile. I also asked them to provide this information formally and the information is still showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: MD

Complaint narrative:
Paid my balance of {$410.00} on the XX/XX/XXXX I had to call the BJ 's master card customer service to do this process. I thought I have given my right checking account number but I did not. So I found my account number and called them right back with the account number that is for my checking account. Since the they have not fixed this and now I will not be able to pay this balance off because they now say my payment is {$490.00}. So between the second until Monday I have spent most of my time not getting anywhere. So I wouldn like this taken care of please because I did my part to correct my mistake and they can not do it on their sided. I don't like the fact you can't use your debit card witch is taken out of your checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I am writing to formally protest the arbitrary and unprofessional closure of my checking and savings accounts, scheduled for XX/XX/year>. I was provided with a two-week notice, which is an insufficient and unreasonable window to transition a complex financial life. As a long-standing customer who has consistently maintained these accounts in good standing, I find this timelineand the lack of transparency surrounding itto be unacceptable. A XXXX window does not allow for the orderly transition of : Active Direct Deposits : My payroll and incoming transfers can not be rerouted within this timeframe, leading to failed transactions and financial instability. Automated Bill Payments : Essential service providers ( utilities, housing, and insurance ) require more than XXXX weeks to update payment methods, risking service interruptions and late fees. Standing Orders : The logistical burden of moving a complete banking relationship on such short notice is an undue hardship.I demand that HSBC immediately reopen my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TomoCredit Inc.
State: OH

Complaint narrative:
I was charged {$880.00} by TOMO credit and they are a scam they have scammed so many people out of money. They lie about giving you credit and building your credit. I asked my bank and tomo to refund my money but no one has. I never wanted the year subscription but was charged. Tomo refuses to talk or give a real response and they have no phone number to contact them at! Please please help! The charged happened XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
i recently paid a collection account in full with Transworld Systems Inc. After making the payment, i requested written confirmation that the account was paid in full and reflected a {$0.00} balance. The company refused to provide any form of electronic or immediate written confirmation, stating that documentation would only be send by mail. they also declined to provide any email confirmation, receipt, or account notation confirming the paid status, and only provided a payment confirmation number. This lack of timely written confirmation limits my ability to verify the account status and ensure accurate credit reporting. i am requesting that the company provide prompt written conformation that the account is paid in full with a XXXX $ balance and that they update all credit reporting agencies accordingly. i am also requesting that the company improve it's practices by providing consumers with timely written or electronic confirmation of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute regarding a XXXX XXXX account appearing on my credit report. Equifax responded stating the account was verified as accurate, however, no actual documentation was provided to support this conclusion. Equifax claims to have verified the account, yet : No signed contract was provided No billing statements or payment history were provided No proof of delinquency or calculation of the balance was provided Instead, Equifax appears to have relied solely on information from the furnisher ( XXXX XXXX ) without conducting a reasonable investigation as required under the Fair Credit Reporting Act ( FCRA ). Additionally, Equifax updated multiple data fields on the account during the dispute process, including the closed date and delinquency-related fields. This indicates the information was not accurate as originally reported, contradicting their claim of verification. The account is reported as a charge-off with a balance of {$210.00}, with a date of first delinquency in XXXX, yet it continues to reflect ongoing activity into recent reporting periods. This raises concerns about improper reporting and potential re-aging.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: WA

Complaint narrative:
I was told by Westlake financial to pay over XXXX to stop repo I paid the money and they came and took my car and sold it about XXXX weeks later refusing to refund me my XXXX and or allowing me to know the sell about my car should have never been taken i paid the money I was told to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Beginning in XXXX of 2026, I have tried to submit XXXX document to have access to my father 's bank account at ALLY Bank. They gave me reference number # XXXX and sent me an email with secure portal to submit XXXX and forms. Every few weeks I have called in to check on progress. It is now XXXX and they keep sending me through the same loop of requesting I send them same documents. No explanation of what is wrong or missing. I can't speak with anyone above the customer service rep and they tell me that I just need to re-submit. It's been over 5 times of re-submitting the SAME documents, and no progress is made.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
CASE XXXX For the past 3 months, I continue to be charged interest for promotions that I paid in FULL. I have called multiple times to speak to the account manager and I get NO calls back! Every month I have to tell customer service I was charged interest again and then it gets reversed then its charged again when the bill closes. This unprofessional account manager from corporate who has been newly assigned has not called me once to update me on what is going on with this case. So I am creating a new one to get someone else. WHY DO I KEEP BEING CHARGED INTEREST FOR PROMOS I HAVE PAID IN FULL! FIX YOUR ALLOCAITON ISSUES AND CONTACT ME. REVERSE THE NEW INTEREST CHARGE OF {$17.00} 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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Regarding Bank of America accounts ending in # XXXX, # XXXX, and # XXXX, I am formally disputing the summary denial of multiple unauthorized fraud charges and the subsequent closure of my accounts. Despite being a loyal customer for over a decade and providing all requested documentation to prove these transactions were the result of identity theft, Bank of America failed to conduct a reasonable investigation as required by Regulation E. Instead of protecting my accounts, the bank denied my claims without providing specific evidence and proceeded to close all my accounts, causing significant financial hardship. I am requesting a full manual reinvestigation of all fraudulent charges by a senior investigator, the immediate reversal of these unauthorized debits, and the reopening of my accounts to restore my long-standing banking relationship.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IL

Complaint narrative:
Nissan Motor Acceptance # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. if not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
In XXXX, I called to have my PMI payments removed. The person said that i qualify and he would remove. He did nothing. In XXXX I checked back. Agent said I qualify for removal and that forms would be on way and I made need an appraisal. In XXXX I received a rejection. Around XX/XX/XXXX, I asked for a new assessment. They said they would answer by XX/XX/XXXX. Nothing. No reply from them so I called around XX/XX/XXXX. They said they needed more time. I called today XX/XX/year> and they said I didnt qualify due to not meeting 80 % threshold on XXXX XXXX They also said that they show my home value at {$380000.00} ( home value ). I owe around {$290000.00} ( unpaid principal balance ). Then they said my XXXX was right at 75 %, but my XXXX was 94 %. They also gave me the formula of XXXX divided by property value equals XXXX XXXX The math shows I qualify yet they refuse to remove ny PMI.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/year> received and email from CHIME saying Your secured Chime XXXX Credit Card has shipped! I have an email if you need Evidence with the address below which is not my address. XXXX ( IMPOSTOR Name ) Confirm your address. XXXX XXXX XXXX ( XXXXMPOSTOR 'S ADDRESS XXXX, OH XXXX ( IMPOSTOR 'S City and State ) This is not my address no verification of identity from CHIME was done to verify information for opening up a credit card. A fraudulent imposter tried to open a CHIME credit card with my email address and my phone number. I did not authorize it. CHIME did not check or verify anything. How can companies get away with such negligence and not pay for it! I called CHIME to report fraud immediately to stop the card from being issued and they wanted to verify my phone number by calling me back. Then said in an automated response that a XXXX ( the impostor ) had not been able to finish opening an account. I tried logging into the app and was not able too to close account. I called the number for CHIME XXXX immediately to report the fraud and the live agent said she had to hang up on me and did. This is the Contact : Chime Support : Call to report the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
XXXX XXXX XXXX is attempting to collect and report a credit card debt that I dispute and that has not been properly validated. I filed a formal Answer in XXXX XXXX XXXX XXXX XXXX ( Case XXXX ) on XX/XX/year> denying ownership, standing, contract, and amount. Since that time, XXXX has taken no further action to pursue the case or provide any evidence supporting the alleged debt. I have requested validation of this debt, including proof of ownership, a valid contract, and an itemized accounting of the balance. XXXX has not provided any documentation. Despite this, they continue to report the account as valid and attempt to collect, and the balance has been inconsistent over time. This reporting is inaccurate and misleading. I request deletion of this account and that collection activity cease until proper validation is provided. Here is a copy of the exact answer letter they have not responded to IN THE GENERAL SESSIONS COURT OF XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. : XXXX XXXX XXXX XXXX XXXX, appearing pro se, answers the Complaint as follows : XXXX. Defendant denies each and every allegation contained in the Complaint and demands strict proof thereof. XXXX. Defendant denies that XXXX has standing to bring this action and denies that XXXX is the lawful owner of the alleged account. XXXX. Defendant denies that XXXX has produced admissible evidence establishing a valid assignment of the specific alleged account from the original creditor to XXXX. XXXX. Defendant denies that the amount claimed is accurate, owed, or supported by a complete and admissible accounting. XXXX. Defendant denies that XXXX has produced a valid contract or agreement establishing Defendants liability for the amount claimed, including any interest, fees, or other charges. XXXX. Defendant denies that XXXX has established accrual of the claim, including the date of last payment, default, or charge-off. XXXX. Defendant reserves the right to assert any and all defenses available under Tennessee law, including but not limited to lack of standing, failure of proof, and evidentiary deficiencies. WHEREFORE, Defendant respectfully requests that the Complaint be dismissed with prejudice and for such other relief as the Court deems just and proper. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX Shadow XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Dated ; XX/XX/year>XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I am submitting this complaint regarding an interest charge applied to my CareCredit account. I was advised that I had 30 days to pay an {$8200.00} balance in order to avoid interest charges. Based on that information, I made the full payment within the timeframe provided. However, I was later charged approximately {$360.00} in interest for those 30 days. At no point during my communication with CareCredit was it clearly explained that interest would continue to accrue daily during that 30-day period. I relied on the information given to me when making a significant financial decision and acted in good faith by paying the balance within the stated timeframe. Had I been clearly informed that interest would still be applied during those 30 days, I would have paid the balance immediately to avoid any additional charges. I contacted customer service and escalated the matter to a supervisor, but my request for a review or adjustment was denied. Given the circumstances and the lack of clear disclosure, I am requesting a formal review of this charge and a one-time courtesy adjustment of the {$360.00} interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: AZ

Complaint narrative:
Complaint # XXXX Selene Finance LP failure to apply monthly payments in a timely manner then charging late fees. Complaint # XXXX Selene Finance LP using automatic payment system to deduct unauthorized payments from bank account!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding the improper handling and continued withholding of my funds after my business account was closed. Chase has already closed my business account and confirmed that the remaining balance would be refunded. I was explicitly advised that the funds would be released within XXXX business days. As of today, it has been XXXX business days, and I still have not received my money. This delay is unacceptable. Chase is currently holding my funds without justification, despite the account being closed. I have contacted customer service multiple times, gone into a branch and have not received a clear explanation, a valid reason for the delay, or a definitive timeline for when I will receive my funds. The lack of transparency and failure to meet the stated timeline constitutes a serious issue. I am being denied access to my own money, which is causing financial hardship and disruption to my business and personal obligations. I am formally demanding the immediate release of my funds. Additionally, I request a written explanation detailing : XXXX. The reason for the delay beyond the stated 710 business day timeframe XXXX. The exact status and location of my funds XXXX. The confirmed date of delivery of the refund If this matter is not resolved immediately, I am prepared to pursue further action, including initiating legal proceedings and filing additional complaints with the appropriate regulatory authorities. This situation requires urgent attention and resolution. Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
ok so I filed a dispute/clam on XXXXXXXX XXXX XXXX days ago with some unarthurized transaction ls that occurred on my coinbase card account I had an held with the company coinbase I reported the transaction to them in the need for help an hopefully recovery of my funds as I lost {$340.00} I was also tryed an charged for XXXX other transactions that didn't go threw on the above date as well because I was drained of the currency that I held in my coinbase debit card account at the time but the transactions that I reported an entire help on an disputes with them where one payment to a trace XXXX @ XXXX XXXX fir the amount of {$190.00} and there where as well XXXX other transactions that was made to a company XXXX time an amount where XXXX {$29.00} XXXX {$49.00} XXXX XXXX and XXXX {$10.00} and XXXX transaction for amount of an at XXXX XXXX @ XXXX {$10.00} and as well they where XXXX more transactions that where tryed to be done at each of the above for other amounts but did not give threw as they where insufficient funds I have reported each of those to coinbase an file dispute on each of those the case number to that case # XXXX XX/XX/XXXX XXXX XXXX and I as well have been treated wrong an never received the first email from them over this matter an have tried more then 4 times to reach out get help and nothing as they treated me like I did something wrong an just locked my coinbase card account an that's it I would like for them to fix this matter an try to get me my lost funds as I have tryed an disputed this with them over XXXX days ago over the matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Truist Bank - car loan. Accident occurred XX/XX/year>. XXXX paid {$6500.00} check XXXX cashed by XXXX. XXXX XXXX XXXX {$14000.00} cashed by XXXX and posted. Loan monthly payments made prior to accident, no account adjustments shown. Requested payment breakdown and account adjustment was never sent. Thats a total of ~ {$35000.00} - theyve ruined my perfect credit. Made numerous calls and credit disputes without resolve Truist Bank Account # XXXX XXXX

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