vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint to request regulatory review and intervention regarding the reporting of an unverifiable and inaccurate debt by Midland Credit Management and its continued publication by XXXX  XXXX XXXX XXXX. 

Summary of the Issue Midland Credit Management, a third-party debt buyer, is reporting a collection account on my XXXX  consumer report without providing competent evidence that : Midland owns the alleged debt, I have a legally enforceable obligation to Midland, The reported balance, delinquency dates, and account history are accurate and complete. 

Despite federal requirements, this account continues to be reported without proper substantiation. 
Legal Violations Identified Failure to Ensure Maximum Possible Accuracy XXXX  is reporting this account in violation of 15 U.S.C. 1681e ( b ) by publishing information furnished by a debt buyer without reasonable procedures to ensure accuracy.

Unverifiable Information Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), consumer reporting agencies may not continue reporting information that can not be verified with competent evidence. No such verification has been produced.

Furnisher Reporting Violations Midland Credit Management is furnishing information without validating ownership, balance accuracy, or chain of title, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Incomplete and Misleading Reporting The tradeline lacks material disclosures, including original creditor documentation, itemized accounting, and proof of lawful assignment, rendering the reporting misleading under federal law.

Requested Resolution I am requesting that the CFPB require : A documented investigation by both XXXX  and Midland Credit Management, Production of competent evidence supporting the reporting of this account, or Permanent deletion of the tradeline if such evidence can not be produced.

I am also requesting written confirmation of the outcome and any corrective actions taken.

This complaint is submitted in good faith and is intended to ensure compliance with the Fair Credit Reporting Act and related consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One. They said they were permanently closed without any reason or explanation. Even though the guards were paid off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Product : Checking or debit card Issue : Transaction dispute / Refund not processed Amount : {$7900.00} Institution : VyStar Credit Union Complaint text : I am filing this complaint regarding VyStar Credit Unions improper denial of my debit card dispute in the amount of {$7900.00}. 

I paid a merchant for services that were never rendered. The merchant provided written confirmation that a refund would be issued. No refund has been processed. 

I timely filed a dispute with VyStar and submitted all required documentation, including written proof that no services were provided and that a refund was promised. I have proof of submission of these documents. 

VyStar denied my dispute claiming I did not provide the required documentation. This statement is factually incorrect and unsupported. VyStar did not request additional documentation nor did they identify any deficiencies prior to denial.

VyStars actions constitute a failure to properly investigate and resolve an error under Regulation E ( 12 CFR 1005 ). I am requesting immediate reversal of the disputed amount or a written explanation identifying exactly which documentation was allegedly missing.

I am requesting that VyStar : 1. Reopen and properly investigate my dispute 2. Credit my account for the full {$7900.00} 3. Provide written confirmation of compliance with Regulation E

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Guild Holdings Company
State: TX

Complaint narrative:
Dear Guild Mortgage Servicing Team, I am writing regarding an insurance charge that was recently applied to my loan. The insurance was charged by Guild Mortgage ; however, I already had active homeowners insurance coverage in place for the property listed below at the time of the charge : Property Address : XXXX XXXX XXXXXXXX XXXX, TX XXXX Because coverage was already in effect, this charge appears to be a duplicate. I respectfully request that the amount charged for this insurance be refunded and credited back to my loan account associated with the above property. 

Please let me know if you need a copy of my existing insurance policy or any additional documentation to process this request. I would appreciate written confirmation once the refund has been applied. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XX/XX/year>, I was denied access to my own credit by American Express when applying for a XXXX annual fee credit card, despite having a previous account with them that I paid off in full within a reasonable time period. They required me to submit an application with my personal and private informationincluding my SSNwhich guarantees them access to funding, yet they still denied me and claimed it was based on my credit score. According to the Equal Credit Opportunity Act, they have committed an act of discrimination against me by denying me access to my own credit. I granted them an application and received nothing of value in exchange. Overall, I have a right to my own credit and withholding access to my securities is securities fraud committed by American Express. They are violating both the Equal Credit Opportunity Act and Consumer Credit Protection Act in doing so. Since I have been denied, I am requesting for them to do a second review of my application and XXXX me access to my own credit, or completely retract my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: PA

Complaint narrative:
I have reached out to the mortgage company numerous times and continue to get a run-around. They finally agreed that they indeed did mess up and owe me money and I have yet to receive. I called again early XX/XX/XXXX after XXXX weeks of waiting and they claimed ( conveniently ) the check was being approved that day and sent and I would receive in a few days. I have not received and called back today XXXX and the girl that answered gave me the run around again saying it's under review ( when it was already reviewed and approved months ago ). Here is the full details from the email I sent them : XXXX XXXX took over my mortgage and escrow as of XX/XX/XXXX. A school real estate tax bill was sent with XXXX XXXX XX/XX/XXXX to be paid XXXX XXXX for a 2 % Discount ( {$6200.00} ) ; XXXX XXXX for a flat amount ( {$6400.00} ) ; XXXX - XXXX with a 10 % penalty ( {$7000.00} ). See attached XXXX XXXX XXXX XXXX XXXX XXXX. 

This bill was due when XXXX XXXX had my escrow and was responsible for paying my taxes. 

As of XX/XX/XXXX I closed my escrow account so that I could pay taxes and insurance myself going forward. See attached Escrow Closing Effective XXXX. 

I have since received a letter from XXXX XXXX that my school real estate tax bill was never paid and I am now in penalty and owe the full amount + 10 % ( {$7000.00} ). The full amount with penalty must be received by XX/XX/XXXX otherwise it will be sent to a delinquent collector and a lien will be put on my house. They will not except anything less. See attached XXXX XXXX XXXX. 

I had spoken with XXXX on XX/XX/XXXX who opened XXXX XXXX XXXX and your tax vendor ( XXXX XXXX? ) claims they confirmed with XXXX ( tax collector ) that the {$6200.00} was paid. I have spoken with XXXX and she has said this is not true and I have a balance with penalty and she did not speak with anyone. 

XXXX XXXX XXXX XXXX XXXX needs to send me the additional 10 % penalty owed so I can pay this bill immediately. I should also be compensated the 2 % discount I lost since you did not pay my bill timely. I need the difference of what I now owe since the Escrow account manager didnt pay my bill and what they should have paid for a discount ( {$7000.00} - {$6200.00} = {$760.00} ). 

I need this immediately so I can pay the full amount to my township ASAP. 

On XX/XX/XXXX I received a call from XXXX at LoanCare that they did review this case and they did fail to pay my taxes and I will be getting a reimbursement check for the penalty I had to pay due to their negligence. I have yet to receive and when I called again today, XXXX, they keep giving me the run-around that this incident needs to be reviewed.

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 2026-01-28 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: PA

Complaint narrative:
Synchrony bank closed all of my credit cards and bank account off of an ftc fraud affidavit that was submitted to XXXX, as I was a victim of identity theft, none of my sychrony cards were affected, the sheriff tried to serve me with a lawsuit from a collection company that was in regards to a Sychrony Lowes card for XXXX, this was not on my credit report as I told the police who took the report I just wanted the sheriff not to return to my home looking for looking for a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX now my pay pal and XXXX accounts have been suspended as well as any cards I have with XXXX I never called them and asked them to do any of this I also told the representative at Equifax that all my accounts are good I just need the 7 year extension on the fraud alert, I have not been able to get all my accounts open, even though Ive had people from XXXX fraud team say all my accounts have been taken care of an allow 30 days Ive sent multiple ids to XXXX and all government issued and they still have my account suspended saying they received something for Sychrony saying my account is fraudulent when Ive have this account for years

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 2026-01-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LD Holdings Group, LLC
State: MO

Complaint narrative:
Company : LoanDepot Product : Mortgage / Escrow Account Issue Type : Escrow, taxes, or insurance Specific Issue : Escrow overcollection / Delayed refund What happened ( consumer narrative ) I have a 100 % property tax exemption on my Texas property, which LoanDepot has already acknowledged and partially adjusted in my escrow account. I also provided them a reciept from XXXX XXXX showing a refund from XXXX to XXXX in property taxes stating that it was for 100 % HS exemption on property taxes. 

Despite this : LoanDepot continues to collect {$400.00} per month in escrow for property taxes even though my projected tax liability is {$0.00} LoanDepot states they will not stop collecting escrow until they receive XXXX XXXX tax bill in XXXX, even though the exemption is already approved and reflected internally The overcollected funds will not be refunded until XX/XX/year> or later, meaning I am forced to front approximately {$2400.00} interest-free for more than a year for a liability that does not exist In addition, I am still waiting on a {$3100.00} escrow refund from the prior year, which has not yet been returned. 

LoanDepot has confirmed : My property qualifies for a 100 % exemption My escrow history has been adjusted for prior months The continued collection is due solely to internal servicing policy, not an actual tax obligation As a result : LoanDepot is knowingly over-collecting escrow funds I am involuntarily providing an interest-free loan to the servicer Refund timelines are excessive and unreasonable There is no consumer option to opt out or mitigate the overcollection I am requesting regulatory review of LoanDepots escrow practices, refund delays, and refusal to stop collecting funds for a confirmed {$0.00} tax liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: AL

Complaint narrative:
Your institution is currently furnishing a repossession on my consumer credit file that I DO NOT agree with as it contains errors making it inaccurate and inconsistent across bureaus. It also appears to be incomplete so I am requesting the following information under UCC-9 guidelines : 1. A copy of the original contract bearing my wet signature or electronic proof of signature.

2. Copies of all legal notices before and after repossession.

3. Proof vehicle was sold at reasonable commercial market value.

4. A bill of sale that shows the amount the vehicle was resold for.

5. Proof the vehicle was repossessed was done without a breach in peace. UCC 9-609.

You are also required to sending me proof of the following per UCC-9 Articles : -9-506. EFFECTS OF ERROR OR OMISSIONS. ( NOT RECEIVED ) 9-611. NOTIFI
CATION BEFORE DISPOSITION OF COLLATERAL. ( NOT RECEIVED ) 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. ( NOT RECEIVED ) 9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL : GENERAL ( NOT RECEIVED ).

9-616. EXPLANATION OF CALCULATION OF SURPLUS AND DEFICIENCY. ( NOT RECEIVED ) 9-619. TRANSFER OF RECORD OR LEGAL TITLE. ( NOT RECEIVED ) 9-620 ACCEPTANCE OF COLLATERAL IN FULL OR PARTIAL SATISFACTION OF OBLIGATION ; COMPULSORY DISPOSITION OF COLLATERAL ( NOT RECEIVED ) 9-621. NOTIFICATION OF PROPOSAL TO ACCEPT COLLATERAL. ( NOT RECEIVED ) 9-623. RIGHT TO REDEEM COLLATERAL. ( NOT RECEIVED ) 9-625. REMEDIES FOR SECURED PARTY 'S FAILURE TO COMPLY WITH ARTICLE. ( NOT RECEIVED ) 9-626. ACTION IN WHICH DEFICIENCY OR SURPLUS IS IN ISSUE. ( NOT RECEIVED ) 9-627. DETERMINATION OF WHETHER CONDUCT WAS COMMERCIALLY REASONABLE. ( NOT RECEIVED ) 9-628. NONLIABILITY AND LIMITATION ON LIABILITY OF SECURED PARTY ; LIABILITY OF SECONDARY OBLIGOR. ( NOT RECEIVED ) You are required to provide me with all the information requested above. If you fail to provide me with any of the requested information within 15 days from receipt of this certified mail request. Failure to provide this information for this alleged claim of deficiency will be considered null and void and any continued collection activities or continued reporting of this invalid claim will be considered violations to the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the Uniform Commercial Code. I also reserve the right to seek damages in a venue in my jurisdiction against all parties under federal and state statutes. 

Please stop all collection activities including inaccurate credit reporting of this alleged debt and permanently remove it from my credit reports.

If it has been more than four years since I made a payment please send me a debt waiver and 1099-C or I will be forced to report you to the IRS. 



Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am submitting this complaint to request regulatory review and intervention regarding the continued reporting of an unverifiable and inaccurate collection account by LVNV Funding LLC. 

Summary of the Issue : LVNV Funding LLC, a third-party debt buyer, is reporting a collection account on my consumer credit report without providing competent evidence that : LVNV Funding LLC lawfully owns the alleged debt, I have a valid and enforceable contractual obligation to LVNV Funding LLC , the reported balance, account history, and delinquency dates are accurate and complete.

As a debt buyer, LVNV bears the burden of demonstrating lawful assignment and accuracy. That burden has not been met. 

Legal Violations Identified : Furnishing Unverified Information LVNV Funding LLC is furnishing credit information without substantiating ownership, balance accuracy, or consumer liability, in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ).

Failure to Establish Chain of Title : LVNV has not produced documentation establishing a complete chain of assignment from the original creditor to LVNV Funding LLC. Without proof of ownership, the account is not verifiable under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Incomplete and Misleading Reporting : The tradeline lacks material disclosures, including original creditor documentation, itemized accounting of the alleged balance, and supporting records validating the reported delinquency dates. Reporting incomplete information is misleading under the Fair Credit Reporting Act. 

Risk of Continued Publication of Inaccurate Information Continued reporting of an unverified collection account exposes consumers to harm and undermines the accuracy requirements mandated by federal law.

Requested Resolution : I am requesting that the CFPB require LVNV Funding LLC to : Conduct a documented investigation into the accuracy and ownership of this account, and permanently delete the tradeline from all consumer credit reports if competent evidence can not be produced, and provide written confirmation of the corrective action taken. 

This complaint is submitted in good faith to ensure compliance with federal consumer protection laws governing credit reporting and debt buyers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX XXXX, I deposited XXXX checks issued by a nonprofit organization ( XXXXXXXX XXXX XXXX ) into my Bank of America account XXXX The funds were initially credited to my account on a provisional basis. I used part of the funds for regular purchases. 

The next day, Bank of America reversed the deposits, removed the credited funds, and placed my account into a negative balance. Shortly after, Bank of America closed my account entirely. I was never provided with the original checks, only copies, and I never received the funds back. 

The issuing organization later informed me that the checks were no longer on their balance and they could not reissue them. As a result, the funds effectively disappeared. 

My credit reports show no fraud, charge-offs, or collections related to this matter. This is strictly a deposit handling and account closure issue. 

I am requesting a full written explanation of : XXXX. Why the deposited checks were reversed, XXXX. Where the funds ultimately went, XXXX. Why my account was closed, XXXX. Why the funds were never returned to me. 

I am also requesting recovery of the deposited funds or clear documentation proving lawful disposition of those funds.

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 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally report deceptive promotional practices and inadequate customer support by the Military Star Card ( XXXX XXXX XXXX ). 

On XX/XX/XXXX, I made a large purchase using my Military Star Card based explicitly on the advertised promotion of 36 months no interest and no payments. This promotion was clearly represented at the time of purchase and directly influenced my decision to proceed with the transaction. All items on this purchase met the criteria for the promotion. Despite this, Military Star Card later charged interest on the account, completely contradicting the advertised promotional terms. 

Order Information : - Order ID : XXXX - Order Date : XX/XX/XXXX - Order Total : {$4700.00} Once I was home to receive mail and actually realized I was being charged interest, ( beginning in XX/XX/XXXX ), I contacted Military Star Card repeatedly to dispute the improper interest charges and request correction. Despite numerous attempts, being given '' the run around '' I was ultimately told that it was too late to remove the charges and the representatives who are put in place to assist did not have the capability to remove the interest. Then I was told I also can not have any POC information to anyone who would have this capability. This response is unacceptable.

It is utterly despicable for a financial institution to : 1. Advertise a promotional financing offer, 2. Fail to apply the promotion correctly, 3. Charge interest in violation of that promotion, and 4. Then shift the burden onto the consumer to catch the companys mistake within an arbitrary timeframe. 

When a consumer makes a purchase under clearly advertised promotional terms, it is reasonable and expected that the company will honor those terms without requiring the customer to babysit the account to ensure the company performs its duties correctly. The failure to do so constitutes deceptive advertising and unfair billing practices. 

I am requesting the following resolution : - immediate removal and refund of all interest charges improperly applied to this promotional purchase - correction of my account to accurately reflect the original 36 months no interest, no payments promotion on all items purchased on this transaction and - written confirmation that my account has been corrected.

I am asking the CFPB to investigate this matter and require Military Star Card to comply with fair lending, billing, and advertising standards. Service members and their families should not be subjected to misleading promotions or penalized for a companys internal failures. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXXXXXX XXXX XXXX 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