vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Pursuant to federal law, I am requesting that you : Conduct a full and lawful investigation of this account Provide written verification of the balance, payment history, and reporting authority Correct or delete any information that can not be verified as accurate and complete Update my credit file accordingly within the timeframes required by law Please note that failure to comply with these obligations may constitute violations of the FCRA and, if applicable, the FDCPA. I expect written confirmation of the results of your investigation I am writing to formally dispute the accuracy and completeness of the Capital One Bank USA account currently being reported on my consumer credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
In XX/XX/year>, fraudulent activity occurred on a youth checking account belonging to a minor. On XX/XX/year>, the bank accepted and credited XXXX mobile check deposits totaling {$3500.00} ( {$2000.00}, {$1000.00}, and {$520.00} ). None of the checks were endorsed by the account custodian or the minor, and the checks were not legitimate. Despite this, the bank made the funds available and did not apply appropriate holds or youth-account safeguards. 

Following the crediting of these deposits, the account experienced unauthorized debit card transfers via XXXX XXXX on XX/XX/year> and XX/XX/year>, including transactions of {$1500.00}, {$1000.00}, {$520.00}, and {$63.00}. These transfers occurred shortly after the improper deposits and resulted in the account being drained and overdrawn. 

I reported the activity to the bank as fraud and provided supporting information. I also filed a police report documenting the fraudulent activity. The bank denied reimbursement, asserting that the debit card transactions were authorized based on factors such as prior account history, IP address overlap, and use of the same card number. The bank did not provide evidence of affirmative authorization ( such as device authentication, PIN, biometric, or session continuity ) and did not address the improper acceptance of non-endorsed checks or apply heightened safeguards required for a youth account. 

As a result of the denial, the account was left with a significant negative balance and associated financial harm. I am requesting regulatory review because the bank focused narrowly on downstream debit card activity while failing to address the root cause : improper acceptance and crediting of fraudulent mobile deposits into a minors account and failure to follow required procedures.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I had a problem with American Express charging me for fraud charges totaling over {$10000.00} back in XXXX. These people stuck me with a XXXX bill and have been nothing but rude to me. I closed my XXXX  year relationship and got on a payment plan with their XXXX TEAM dept. Every time I called, I would only be allowed to talk to the XXXX team and these ladies were ALL mean. I explained how they are making me pay {$10000.00} for something I did not do. They put me on a payment plan of {$1000.00} per month for 10 months. When we got to month XXXX, I made sure they would not take ANYMORE MONEY. They said they would not and the auto payment would stop. I told the lady I got an email stating they were taking a payment even though I paid it off. The lady told me to disregard. So I did AND what happened???? YUP, a XXXX payment came out. These people are pathetic scam artists and they have had it out for me since they let some non XXXX resident scam XXXX use my XXXX  for {$10000.00} to XXXX. I paid this {$10000.00} so my credit wouldn't be destroyed and all I received were headaches and stolen funds. Can you please have them refund me every XXXX and ask them why my account is closed yet they are still stealing funds? 
Also, I want someone from your team to help me file proper complaints against Amex as now everyone sees what I am dealing with and how they are stealing from me. I want them to open the XXXX case back up and refund me the {$10000.00} they stole from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX XXXX They filed a case in XXXX XXXX amounting XXXX $ from company of XXXX, I did not attend in court, I just called them explained to update my payment and correct the payments I made in Upgrade ( I also filed dispute for this company for wrongful debt reported to the credit Bureau XXXX Now The Midland Credit Corporation filed a wage garnishment filed in court without declaring the payment that i made previously and wrong information of debt that i have. Reported in the XXXX credit bureau and appeared in my XXXX XXXX since XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch
State: NY

Complaint narrative:
KINUM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research KINUM INC is a debt collector. They are falsely reporting on my credit!! Account number is U1380 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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
- On XX/XX/XXXX I received a letter from Chase stating my auto loan account had been paid in full and that an electronic release had been submitted to the NC DMV. I assumed at this point the NC DMV would mail out the title within a few weeks as usual but that did not happen. 

- On XX/XX/XXXX I called Chase and they offered to submit another lien release on my behalf. They sent a paper lien release in the mail a few days later which the NC DMV would not accept due to the title having an electronic lien. Later that day I called the DMV and it was determined there was an administrative error made by the NC DMV which had prevented the electronic lien release from processing. 

- On XX/XX/XXXX the DMV confirmed they had resolved the administrative error. I called Chase again later that day and asked them to resubmit the electronic lien release. Chase stated they would do so and that this request would take 7-10 business days to fulfill. 

- On XX/XX/XXXX I called the DMV and they stated the electronic lien had not been released. Later that day I called Chase, who stated they had submitted the electronic lien release but that they would open a work card so that they could try to submit the electronic lien release again. 

- On XX/XX/XXXX I called the DMV and the lien had not been released. I called Chase later that day and was told they were still working on the electronic lien release resubmission but that it would be completed by XX/XX/XXXX. 

- On XX/XX/XXXX I called the DMV and they stated the lien had not been released, and furthermore that there's nothing they can do to resolve this issue themselves with the lender. I later called Chase who stated that the electronic lien release had been completed on XX/XX/XXXX, but that since the DMV was saying they hadn't received it they would once again try to submit an electronic lien release, and that fulfillment would take 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Last year, I submitted complaint # XXXX because PHH Mortgage did not pay my homeowners insurance in a timely manner and I received a bill to pay directly from my insurer. Based on this experience, on XX/XX/26, I sent a formal written request to the loan servicer requesting removal of my escrow account allowing me to manage payment of my insurance and taxes. I was told a decision would be made in 5 business days. I contacted PHH on XX/XX/26 and was advised that the request had been denied. When I asked why the request was denied, I was told that PHH Mortgage contacted the VA, and the VA advised them that my loan was not eligible for escrow removal. 

To verify the accuracy of the response I received from the loan servicer, I did the following : 1. I reviewed the VA document ( VA Pamphlet 26-7, Revised Chapter 9 : Legal Instruments, Liens, Escrows and Related Issues ) which addresses escrow accounts and it clearly states : VA does not require the lender to establish escrow accounts for the collection and payment of property taxes, hazard insurance premiums, and similar items. However, it is the lenders responsibility to ensure that these items are paid timely. 

2. I have included that document with this complaint. On XX/XX/26, I also called VA XXXX XXXX XXXX XXXX at XXXX and spoke with XXXX ( a loan specialist ) who confirmed that the VA does not dictate escrow removal or the terms for such, it is totally up to the loan servicer. I also inquired whether it mattered if the home was purchased through the VAs Vendee program as a VA foreclosure and he indicated it does not matter. The decision is the loan servicers alone.

3. I reviewed my loan origination document which also confirmed that the lender may waive Borrowers obligation to pay Lender Funds for any or all Escrow Items at any time. I have included that document with this complaint. 

This is not about LTV either. I have included a screen shot from the servicers website showing the estimated value of the house and the remaining loan balance. I am seeking your assistance again, because the loan servicer has made a denial and provided me an explanation which does not seem plausible. Although the lender originally advised that they would provide me with a decision within 5 business days, they advised that they did not yet have a written response available for me. I was advised that the denial letter has not yet been mailed and is not available electronically in the document center on their website.

I would like the servicer to reconsider my request for escrow account removal and also show proof that they submitted a request to the VA and documentation of the VAs denial for escrow account removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
I signed up for a Lowes store credit card and set up my account with Syncrony bank to make the first payment and enroll in auto-payment. Apparently there was a mistype in the account information and they are charging me a {$30.00} fee because the bank account information was incorrect. 

I informed them that there was no indication my account information was incorrect when I submitted it and I have plenty of funds in my account to cover the payment. I understand a fee if there was a chargeback because of insufficient funds, but to charge a customer for a data entry mistake is ridiculous. 

As soon as I was notified by the bank that my payment information was incorrect, then I provided them with the correct payment information. They refused to waive the {$30.00} fee. I feel this is predatory and the Company should have safeguards in place to ensure payment information is correct before submitting a payment and charging a customer a arbitrary fee when it is incorrect.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I submitted a credit balance transfer request for {$200.00} from card ending in XXXX to card ending XXXX XX/XX/XXXX and the resolution date on Amex is XX/XX/XXXX. The Amex online website debit {$200.00} on XX/XX/XXXX for the card XXXX, but the {$200.00} credit did not show up on the card ending in XXXX. I contacted Amex multiple times for the issue. On XX/XX/XXXX, I was told that it was under the process but took 7~ 10 business days. Since the resolution date is XX/XX/XXXX, 7~10 business days is up to XX/XX/XXXX, but I don't see it today. I contacted Amex again on XX/XX/XXXX and was told the transfer was processed on XX/XX/XXXX, and it took another 5~7 business days. I can not trust the timeline as the wait time becomes longer and longer and would prefer to file a complaint to resolve the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 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: CLGF Holdco 1, LLC
State: KS

Complaint narrative:
I made a payment of {$510.00} on XX/XX/XXXX. And I have yet to see the credit on my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. 
Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-01-22 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: NY

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and legal validity of the Spring Oaks Capital LLC account currently appearing on my consumer credit report. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened my account XX/XX/XXXX of XXXX with a check in the amount of XXXX and change. No hold was placed on the account. I deposited a check on XX/XX/XXXX for XXXX and was told because I deposited a check that I would have to wait. I explained that when opening the account I received funds same day a partial payment.

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 2026-01-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Palisade Legal Group, PLLC
State: NJ

Complaint narrative:
Since XXXX, Ive been paying this company {$900.00}. Ive paid them over {$25000.00}. This entire program was misleading advertising. They falsely promised that my credit would be fixed in a year, but its now XXXX years later, and nothing has improved. Ive paid them over {$25000.00}, but only XXXX credit card company has settled out of the XXXX. My credit scores have decreased substantially. 

Its been XXXX years now, and nothing has changed. They wont give me letters to help me improve my credit ; instead, they want more money from me. The monthly fee was originally {$900.00}, but they now want {$1400.00}. All I wanted was for my credit to improve, and thats all I asked throughout this entire plan. Nothing has been done, and they promised me that my credit would improve. 

I have a lot of emails, and Ive stayed on hold for hours for supervisors. No one has contacted me, and no letters have ever been produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint after multiple attempts to resolve this issue directly with Capital One. I first contacted support by phone on XX/XX/XXXX, and was given conflicting explanations. My detailed escalation email sent to the XXXX XXXX  on XX/XX/XXXX, and a follow-up on XX/XX/XXXX, were both opened and read by multiple executives, but I have received no response to either. 

In XXXX and XX/XX/XXXX, I booked multiple GetYourGuide travel activities through Capital One Offers while a XXXX miles multiplier was displayed at the time of booking. All activities were completed by XX/XX/XXXX. The total eligible spend was {$1200.00}, corresponding to a total of XXXX miles expected at the XXXX multiplier. 

Crucially, Capital One already honored this XXXX multiplier for XXXX of the GetYourGuide activities from this same booking XXXX XXXX XXXX : Half-Day XXXX XXXX White-Water Rafting ( Booking ref XXXX, price {$180.00} ). For this activity, XXXX miles were correctly posted to my account ( {$180.00} x XXXX = XXXX ). This single posting confirms the offer 's validity, my eligibility, and that the tracking system was functional. It completely invalidates any claims of technical or user error for the remaining transactions. 

After subtracting the already-posted XXXX miles, I am still missing XXXX miles. 

The conflicting explanations I've received include alleged use of the XXXX mobile app, alleged XXXX usage, and claims that XXXX had not confirmed the bookings or completion of activities. None of these explanations apply, and they are directly contradicted by the successful posting of miles for the XXXX XXXX activity. 

For reference, the completed GetYourGuide bookings associated with these missing miles are : XXXX XXXX House Guided Tour XX/XX/XXXX {$62.00} Booking ref XXXX XXXX XXXX XXXX XXXX / Glass Bottom Boat XX/XX/XXXX {$150.00} Booking ref XXXX XXXX XXXX Walking Tour XX/XX/XXXX {$71.00} Booking ref XXXX XXXX XXXX XXXX Trip ( Premium Coach ) XX/XX/XXXX {$320.00} Booking ref XXXX XXXX Self-Guided Biking Wine Tour XX/XX/XXXX {$80.00} Booking ref XXXX XXXX Redwoods High Ropes Adventure XX/XX/XXXX {$140.00} Booking ref XXXX Te Puia Indigenous Evening Experience XX/XX/XXXX {$220.00} Booking ref XXXX I am requesting proper credit of the XXXX Capital One Offers miles earned through these completed bookings. This is not the first time I have experienced tracking failures with Capital One Offers. I am spending substantial time pursuing rewards that were clearly advertised and earned, raising concerns about the reliability of a program that is a key benefit of a card carrying an annual fee. 

I have retained booking confirmations and can provide them upon request. 
Thank you for your help, XXXX XXXX

Company response to consumer: Closed with monetary relief