vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I am filing a complaint regarding my Discover credit card account due to unexplained and inconsistent balance increases over time.

Over the past approximately three years, I have consistently made my minimum monthly payments, which have been over {$200.00} each month. Despite this, my balance has increased to {$8100.00} {$9000.00}. I rarely use this card, and when I have, purchases were minimal.

Each time I contact Discover for clarification, I am given different and conflicting explanations for why my balance remains high. I have also been offered credits ( for example, approximately {$180.00} ), yet my monthly payment due still exceeds {$200.00}, and my available credit does not increase after payments are made.

I am requesting a full, clear, and itemized accounting of how my balance was calculated, including interest, fees, and how my payments have been applied over time. I am also requesting correction of any billing errors and appropriate credits or adjustments if payments were not properly applied.

I believe this situation reflects inaccurate billing practices and a failure to provide transparent and consistent explanations as required under consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates , LLC has repeatedly contacted me by phone multiple times within the same week regarding the same alleged debt. These calls are excessive and constitute harassment in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692d ). 

I am requesting that Portfolio Recovery Associates cease all communication and that this conduct be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I underwent a XXXX XXXX XXXX  in XXXX XXXX that included XXXX XXXX  treatments to my face and under-eye area. Shortly after the procedure, I discovered that the XXXX XXXX  administered to me were expired, with an expiration date of XX/XX/XXXX, which was prior to the date of service. The use of expired injectable medical products presents a serious health and safety risk and constitutes a material breach of acceptable medical standards. 

The expired product involved 8 cc of XXXX total ( 6 cc to the face and 2 cc under the eyes ). Based on standard market pricing for XXXX treatments, this portion of the procedure reasonably represents approximately $ XXXX {$1600.00} of the total charge. 

I promptly contacted the clinic to request compensation for the portion of the procedure involving the expired injectables, but the clinic did not provide any refund, explanation, or itemized cost breakdown. As a result, I initiated a chargeback with Chase in good faith. 

Chase denied the chargeback and a subsequent discretionary reopen on the basis that the merchant provided evidence that a service was rendered. However, my dispute was not based on whether a service occurred, but on the fact that the service involved the administration of expired medical injectables, which I would not have consented to had their expiration been disclosed. 

On XX/XX/XXXX, I visited a Chase branch and spoke with an Assistant Vice President / Private Client Banker to explain that this dispute involves medical safety and expired products, not dissatisfaction with results. Despite this, Chase treated the charge as fully valid and did not provide a reasonable path to pursue a partial credit for the unsafe portion of the transaction. 

I am not disputing the entire procedure. I am disputing only the portion of the charge attributable to the expired XXXX injectables, which were unsafe and should not have been administered. I am requesting that Chase reconsider this matter under executive review and issue a partial credit of approximately $ XXXX {$1600.00}, representing the value of the expired injectable products.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), once a debt is disputed in writing within 30 days of initial contact, a debt collector is required to cease all collection activity until proper validation of the debt is provided. 
The accounts referenced are not fully accurate and are formally disputed. Until you provide competent and complete evidence validating the alleged debtincluding, but not limited to, a signed agreement bearing my signature, a complete itemized account history, and documented proof of your legal authority to collectyou must immediately cease all collection efforts. 
In the absence of such validation, you are required to remove any related reporting from all consumer credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Dovenmuehle Mortgage, Inc.
State: VA

Complaint narrative:
Over several years my mortgage servicer failed to perform required annual escrow analyses, did not provide shortage or deficiency notices, and allowed the escrow account to deteriorate without any communication. The servicer later admitted in writing on XX/XX/XXXX that no annual escrow analysis was performed for years. 
The first escrow notice in years was issued on XX/XX/XXXX, which I later learned reflected a servicercreated escrow shortage of {$13000.00} and a sudden payment increase of $ XXXX. This shortage resulted entirely from the servicers multiyear failure to monitor and adjust the escrow account. 
On XX/XX/XXXX the servicer uploaded a second escrow analysis showing a new shortage of {$8200.00} and another change in payment, but still provided no explanation, no remediation, no escrow history, and no documentation supporting its claim that my loan is classified as commercial. 
I submitted written requests on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX asking for escrow history, exemption documentation, a rootcause explanation, and a remediation plan. None of these requests have been answered. 
On XX/XX/XXXX, the servicer confirmed in writing that a stop/hold was placed on my account and that during the hold no late fees, penalties, or negative credit reporting could occur. Despite this, I received a delinquency letter dated XX/XX/XXXX ( delivered XX/XX/XXXX ) claiming I was two payments behind and assessing {$69.00} in late fees. This breaches the written accounthold protection. 
These issues have caused significant financial harm, confusion, and administrative burden. I am requesting that CFPB require the servicer to provide the requested documentation, correct all errors, remove improper late fees, correct my account status, ensure no negative credit reporting, and provide remediation for servicercreated shortages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: MA

Complaint narrative:
I've reached out to let the company know that I was scammed with one of those work from home {$350.00} scams, except this scammer got {$510.00} out of me in total. I was promised I would be compensated by the scammer by the company they " work '' for, XXXX XXXX. I did confirm with XXXX XXXX this individual is not an employee there. I've relayed this information to both XXXX and Credit Karma after they've both given me advice to contact the seller since my transactions can't be reversed on their end. XXXX couldn't even provide me with contact information for the " vendor '' anyway, but I did attempt to message said " vendor '' to no avail and they still refuse to help me. This has been ongoing since XX/XX/XXXX and I've been fighting with them since this incident happened. XXXX refuses to refund me and credit karma refuses to reverse the transactions. My daughter 's birthday is a week away. On XX/XX/XXXX at XXXX EST, one " XXXX XXXX '' XXXX account received {$350.00} from me with the message of " Software and Computer '' and then on XX/XX/XXXX at XXXX, " XXXX XXXX XXXX received {$150.00} from me again in the promise of reimbursement. The comment with this transaction was, " time clock and reimbursement '' All of these have been labeled and the total combined amount I would like refunded will be {$510.00} by XXXX. XXXX has said this isn't eligible for a refund given I've sent it as " Friends and Family '' but they are saying even though it was a scammer 's instructions to send it this way, they're unable to refund me my money. Please, help make this right for me. I honestly will no longer be using credit karma as a banking service after this. I've lost complete trust in them, their overdraft protection doesn't even work anyway. 

Credit Karma has two charges of - {$150.00} and- {$250.00} and I would like these refunded. The scammer has access to my checking account information as well so I will be closing my account with Credit Karma after this as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
Date : XX/XX/year> Subject : Formal Deposit of Inaccurate Credit Information | Violation of the United States Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau regarding debt collection agencies that has contacted me attempting to collect an alleged debt. I am requesting your assistance in verifying whether this agency is in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and all other applicable federal regulations. 

During my recent attempt to obtain mortgage financing, I was denied due to fraudulent activity on my account resulting from identity theft caused by a data breach. This unauthorized activity has directly and significantly impacted my credit. Despite my formal request for proper validation, the collection agency has failed to provide the documentation required to establish that the alleged debt is valid, accurate, and legally enforceable. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act and 1681c-2 of the Fair Credit Reporting Act, I requested the following information, none of which has been provided. I am requesting that the CFPB review this matter and ensure that the agency complies with all legal requirements. The account in question is inaccurate, unverifiable, or incomplete, and therefore must be investigated and removed immediately. 

Thank you for your attention. Upon completion, I request written confirmation of the results and any corresponding updates made to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: CA

Complaint narrative:
Chat will automatically disconnect after i requesting for account to be closed, the phone number listed on the website is not responding to phone calls, it's automated and will disconnect every time i call during business hours

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I was the victim of a scam involving fraud by deception and misrepresentation. I was contacted by an individual on XXXX ( XXXX ) who then moved the conversation to XXXX and misrepresented a fake service. I was socially engineered and pressured into sending money under false pretenses. 

This was my first day ever using the Chime app. Within hours of installing Chime, I was instructed by the scammer to add funds and send a payment through the Chime app. At XXXX XXXX  Central Time on XX/XX/year>, I sent {$420.00} to the scammer using Chimes Pay Friends feature. 

After sending the money, the scammer failed to provide any service or product and stopped responding. I realized I had been deceived and reported the scam to Chime the same day at approximately XXXX XXXX  Central Time, within about XXXX hours of the transaction. 

I filed a fraud dispute with Chime ( Claim ID XXXX ) and uploaded extensive evidence, including screenshots of the scammers messages, payment instructions, pressure tactics, misrepresentations, and non-delivery. I also filed a federal FTC fraud report for this incident. 

Despite this, Chime denied my claim and stated that no error occurred. Chime incorrectly categorized my dispute as Pay Friends Transfer Not Received By Recipient. This categorization is factually wrong. The recipient did receive the funds. My dispute is not about non-receipt. It is about fraud by deception and misrepresentation ( authorized push payment scam ). 

Chime did not conduct a proper fraud review of the deception involved. I reported the scam the same day, provided full evidence, and this was my first fraud dispute and my first day using Chime. 

I am requesting that Chime be required to conduct a proper fraud investigation of this authorized push payment scam and reconsider reimbursement based on deception, same-day reporting, first-time user status, and the evidence provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
A collection account from an apartment complex is being reported on my credit report by a XXXXparty debt collector. I dispute the validity of this alleged debt. 

On XX/XX/year>, I sent the collection agency a written request for debt validation by mail, requesting proof that the debt is valid and that the collector has legal authority to collect and report it. This request asked for documentation such as a signed lease agreement, an itemized statement of charges, and proof of assignment or ownership of the debt. 

I received no response. 

On or about XX/XX/year>, I sent a XXXX written debt validation request to the same collection agency. This request again demanded validation of the alleged apartment debt and advised that continued collection or credit reporting without verification would violate federal and state law. 

The collection agency again failed to respond and did not provide any documentation validating the debt. 

Despite failing to validate the debt after multiple written requests, the collection agency continues to report this account to consumer reporting agencies, causing ongoing harm to my credit. 

The collector has never provided : A signed lease agreement An itemized move-out or damage statement Proof that I owe the alleged balance Proof that the collector is authorized to collect or report this debt Continuing to report an unverified debt after receiving written validation requests violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, and also constitutes an unfair or deceptive practice under North Carolina law XXXX 

I am requesting that the collection agency immediately delete this account from all credit reporting agencies and cease all collection activity unless and until proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My debit/credit card was used without my authorization on an XXXX account that is not mine. I do not know the account holder and did not consent to my card being added. I am disputing all charges from XX/XX/year> through XX/XX/year> totaling approximately {$3000.00} and am requesting a full fraud investigation and refund. 

The Bank stated they could not do anything to help, refused to allow me to escalate, and said it was outside of the window for fraudulent charges even though I had a fraud alert that clearly showed the transactions have not been me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I have had a Kohls store credit card since approximately XXXX and enrolled in XXXX around XXXX to avoid late fees and interest. 

In XX/XX/XXXX, my Kohls credit card account was transitioned to XXXX XXXX without my clear knowledge or notice. During this transition, my XXXX was stopped without my authorization. I did not receive a new physical credit card or clear written communication explaining the change or the need to re-enroll in XXXX. 

I continued making online purchases through the Kohls app as usual, and the app continued to display my old card information, giving no indication that my payment method or XXXX status had changed. I reasonably believed XXXX was still active. 

As a result, I was charged late fees and interest on XXXX statements : XXXX late fee of approximately {$29.00} with about {$5.00} in interest, and a second late fee of approximately {$40.00} with about {$12.00} in interest. 

Once I became aware of the issue in XX/XX/XXXX, I contacted Capital One multiple times by phone, including speaking with supervisors, but was only offered a partial fee waiver. 

I am disputing these charges because they were caused by the companys failure to properly notify me of the account transition and XXXX interruption. I am requesting full removal of all late fees and interest and confirmation that this issue will not negatively impact my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: MA

Complaint narrative:
I am submitting this formal complaint regarding The XXXX XXXX  failure to accurately report and properly investigate the above referenced account, # XXXX. This complaint is being filed with Consumer Financial Protection Bureau due to the furnisher 's continued noncompliance with federal law. The information being reported on this account is inaccurate, misleading and damaging, and XXXX XXXX  has failed to correct these errors despite my prior attempts to resolve this matter. Their actions- and continued inaction- constitute a violation of their duties under the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX. I am demanding that XXXX XXXX  provide Competent, verifiable evidence to support the reporting of this account, including but not limited to A complete and accurate payment history Any signed contracts or agreements bearing my signature Documentation supporting the reported balance, dates and account status Proof that the account has been reported in full compliance with the FCRA XXXX XXXX XXXX  is unable to produce this documentation, then the continued reporting of this account in unlawful and the account must be immediately corrected or deleted from all consumer reporting agencies. I am requesting that the CFPB ensure this matter is investigated thoroughly and that XXXX XXXX is compelled to comply with federal consumer protection laws. Continued inaccurate reporting is causing measurable harm to my credit standing and financial opportunities. Please consider this letter a formal demand for resolution. I expect a prompt response and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shermeta Law Group, PLLC
State: MI

Complaint narrative:
Debt that does not belong to me was sold to the company in question. Please have debt collector send original itemized list of debt with my signature linking me to the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
After viewing credit report, the consumer submitted a written request for debt validation to the collection company, requesting documentation establishing a legally enforceable obligation, proof of ownership of the account, and evidence of the companys authority to collect on XX/XX/XXXX. The request was sent via certified mail. 

The company responded by providing a computer-generated account summary and a copy of a historical billing statement from XXXX. The response did not include documentation establishing that the consumer has a legally enforceable obligation, did not demonstrate that the company owns the account, and did not establish the companys authority to collect. 

The consumer subsequently submitted a follow-up written dispute, accompanied by an affidavit of fact and a statement of actual damages, reiterating the request for proper validation and identifying the deficiencies in the companys response on XX/XX/XXXX via certified mail. 

The company responded again by providing the same computer-generated account summary and historical statement previously sent, without addressing the documentation requested or curing the deficiencies identified in the dispute. 

Despite the unresolved dispute and lack of substantive validation, the company continued collection activity and furnished information related to the alleged debt to consumer reporting agencies. 

As a result of the continued reporting, the consumer experienced adverse credit consequences, including a denial of a travel credit card issued by XXXX  XXXX XXXX, denials related to the attempted purchase of an automobile, and unfavorable loan terms.

Company response to consumer: Closed with explanation