vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
- On XX/XX/year> we contacted the bank to inquire about excessive and hidden interest fees assessed throughout the year by BAC. The bank has been clawing money and no clear understanding or communication around interest percentage, calculation or billing cycles. - during XX/XX/XXXX call, We requested to cancel ALL BAC accounts and that the bank uses savings and checking account money to pay off the credit card - BAC representatives REFUSED to allow us to transfer funds from checking/saving to pay off CC. bAC repeatedly dismissed the request to pay off the CC via inter bank/between account transfers, advising that they will mail a check ( 10 business days ) and additional ( 10 business days to cash ) ensuring enough delays so the bank can assess additional fees while we navigate this closure nightmare - Their website was erroring out preventing us from logging in to pay off the credit card - We contacted the banks customers affairs and their representatives were condescending and extremely disrespectful - XXXX XXXX XXXX We have asked to be removed for any and ALL marketing and promotional junk, yet we keep receiving letters to open up accounts, HELOC, etc. They need to be investigated for CC fees transparency and be ordered to make it easy for consumers to understand and be reminded of any hidden fees especially for an account weve had for XXXX years - BAC made it near impossible to understand the interest associated with card, payment due date and they bombard you w/ poorly written, vague and ambigus terms ensuring you remain perpetually confused on everything theyre taking out of your account - Endless scam marketing letters where I have repeatedly requested to not be contacted by this bank - Lack of professionalism and lack of transparency because they are profiting off of your confusion. Their goal isnt to make it easy to understand, but rather hard to navigate so the longer youre confused, the more money they make The bank should refund all the fees they assessed especially the last one that was driven by their predatory account closure protocols

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Subject : Complaint Regarding Collection Account Transworld Systems To Whom It May Concern, I am disputing a collection account reported by Transworld Systems on my credit report. The account is listed with Transworld Systems as the collection agency for XXXX XXXX with a reported balance of {$200.00}. I dispute the accuracy of this account and request verification of the following : a copy of the original service agreement documentation showing the debt was transferred or assigned to Transworld Systems a detailed accounting of the balance reported Under the Fair Credit Reporting Act, furnishers must ensure the accuracy and completeness of any information reported to credit bureaus. If Transworld Systems can not verify this account with proper documentation, the account must be removed from my credit report. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account number XXXX XXXX # XXXX, XXXX unenlightened of present debt of XXXX dollars including not having the capacity to to dispute this account. Whether or not you believe you sent official statements, please contribute certified statements with receipts displaying my signature. If not please deactivate this account # XXXX as soon as possible from my report or I will take legal actions .Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am filing this complaint regarding collection activity by Resurgent Capital Services L.P. related to an alleged credit card debt originally associated with XXXX XXXX XXXX XXXX ( XXXX XXXX ). I sent a formal debt validation request disputing the alleged debt and requesting proper documentation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). In my request I asked for documentation including the original signed agreement, complete account history, proof of ownership of the debt by LVNV Funding LLC, the bill of sale identifying my specific account, and proof that the company is authorized to collect in my state. Despite my formal request, the company has failed to provide adequate documentation validating the alleged debt. Without providing proper validation, the company continues collection efforts and/or credit reporting related to this alleged account. Because the requested documentation has not been provided, the validity and ownership of the alleged debt remain unverified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Around XXXX, my bank account was closed following a deposit of COVID-19 relief funds from the Georgia Department of Labor ( GDOL ) . For years, the company informed me that the funds had been returned to the issuing government agency. However, in XX/XX/year>, after I escalated the matter to the XXXX XXXX, a representative finally admitted that the company is still in possession of the funds. The company confirmed the money is currently held in an internal " suspense account '' and stated they are " coordinating with the GDOL '' for next steps. There is a massive discrepancy between the figures : the company states they are holding approximately {$6000.00}, while my official IRS transcripts show over {$30000.00} was issued. I have requested the immediate disbursement of the full amount via cashiers check, but the company continues to hold my money without a clear timeline for release, despite acknowledging that the funds are sitting in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On my booking for the XXXX XXXX XXXX ( XX/XX/year> ), the Capital One XXXX portal explicitly stated that " Taxes and fees were included '' in the total price paid at checkout as well as the room selection page. They had similar rooms listed with resort fees that where cheaper. I called capital one XXXX to confirm the same I relied on this representation to make my purchase. However, upon checking out of the hotel, i was asked to pay XXXX plus taxes as resorr fee. I showed the hotel the screen shots and. Current booking pages to show that the resort fees was not listed as mandated by 16 C.F.R. Part 464 ( the FTC Rule on Unfair or Deceptive Fees ), upon showing the law, I was charged an additional mandatory resort fee of {$96.00} at discounted rate. And was told to talk to capital one. But capital one said they can only issue me travel credits usable for future reservation instead of a statement credit to pay for the resort fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company buys debt from 3rd parties then harass you for an account that is not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
On XX/XX/year>, I mailed Select Portfolio Servicing ( SPS ) a Qualified Written Request / Notice of Error regarding my mortgage loan for XXXX XXXX XXXX, XXXX, MD XXXX. My letter requested specific information and raised servicing errors involving loss mitigation handling, denial reasons, investor restrictions, fees and advances added to the account, payment handling, foreclosure status, and appeal / review rights. SPS received the letter by certified mail, and I have proof of mailing and delivery. As of XX/XX/year>, SPS has not provided a complete item-by-item written response to that XX/XX/year> correspondence. Instead, SPS sent acknowledgments, mortgage statements, noteholder information, copies of prior denial letters, and document packets. Those mailings appear to be partial responses only and do not fully answer the issues and requests in my original letter. This complaint is not about the original denial alone. It is about SPS failing to provide a complete written response to my later QWR / Notice of Error while my loan is delinquent and foreclosure-related activity is moving forward but should be paused until this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: FL

Complaint narrative:
My dave bank card and my phone was stolen on XX/XX/year> and since then I have been receiving an unauthorized debit card transaction on my account from XXXX, XXXX and XXXX totaling {$1700.00} which I dont know about it and this is my school fees money. Please help me I need my money back in my account for my school fees

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: FL

Complaint narrative:
I am filing a complaint regarding a billing dispute on a credit card issued by JPMorgan Chase related to a charge from XXXX XXXX for a cruise aboard XXXX XXXX XXXX that took place from XX/XX/XXXX to XX/XX/XXXX. The total charge for this transaction was {$1800.00}. After completing the cruise, I contacted the merchant to request a refund because the services provided were significantly different from what was advertised and paid for. During the cruise we experienced multiple serious issues, including dirty cabins upon arrival, unsanitary conditions, broken amenities such as billiard tables, extremely poor and repetitive food quality, and severe overcrowding that prevented us from using basic facilities like the pool. In addition, the cruise itinerary was changed without prior notice, and passengers were taken to different and significantly less desirable ports than those originally advertised when the cruise was purchased. Because the services did not match what was promised, I disputed the charge with JPMorgan Chase approximately four months ago. Chase initially issued a temporary credit while they investigated the dispute. However, after approximately four months, Chase removed the temporary credit and informed me that the dispute had been denied. At no point during the investigation did Chase contact me to request supporting documentation or evidence before making this decision. I have substantial evidence supporting my claim, including photos of the cabin conditions, documentation of the itinerary changes, and written communication with the cruise company regarding the issues experienced during the trip. I believe the dispute investigation was not conducted fairly because I was never given the opportunity to submit evidence before the final decision was made. I respectfully request that JPMorgan Chase reopen the dispute, allow me to submit my supporting documentation, and conduct a proper review of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account # XXXX received {$25.00} Account # XXXX received {$100.00} bill Today # XXXX unable to close due to increasing bill Any account with more than XXXX account on it is there for a purpose. Transferring the account to other accounts can not be closed.

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 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I contacted customer service because I was unable to log into my account and needed assistance setting up my online login so I could review my balance and make a payment. During the call, I was routed to collections representatives who repeatedly attempted to collect payment instead of assisting with account access. At the time, I had not yet created an online login and needed help setting one up in order to view my balance and transactions. I asked multiple times to be transferred to someone who could help with account access or login setup, but the representatives refused to transfer the call and continued attempting to collect payment. Because of this, I was unable to review my account details or understand what the payment was for. Additionally, when I asked for a reference number or identifying information for the call, none was provided. They have all my information at the least I should get some form of reference number of who I talked to. Customers should be able to access their account information and review their balance before being pressured for payment. I am submitting this complaint because I was unable to obtain basic account access assistance through customer service. Additionally, the bank revokes access to mobile device login if you are delinquent. Their behavior intends to intentionally make it difficult for customers to keep their accounts up to date and charge fees.

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 2026-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
Originally spoke to XXXXAES about my loans in XX/XX/XXXX, they reported to me that I paid approximately $ XXXX on loans that totaled $ XXXX, but that I still owed $ XXXX. Requesting all loan documents to include promissory notes and full payment history. I received 9 promissory notes and full payment history in pieces for me to figure out what loans went to which documents. I then sent a fax XX/XX/XXXX ( attached ). When I called for their fax number and verbally asked for some of the information, I was told that they could not give me that information or that they did not know the answer. They sent me a letter stating they would respond within 10 days. After the 10 days they sent a letter including 12 loans, when the original loans were only 9. Which I only received 9 promissory notes for. According to XXXXAES payment history I have 90mo on 70mo terms, they stated they could reset those and the 70mo terms without my knowledge or new loan agreements. There are several discrepancies. The loan count changed from 9 to 12. The original principal amount changed from $ XXXX to $ XXXX ( but on the phone, stated it was closer to {$43.00} ) without any documentation. Paid loans have been removed from statements without " paid in full '', without payoff statements, dates, or final accounting. The total payments don't match to the remaining balance. There has been no documentation sent of how payments were allocated, how much went to principal or interest, why capitalization occurred or when, and why fees were added ( outside of contract ). Several loans listed in the servicers XX/XX/XXXX response have contractual repayment terms of 70 months beginning between XXXX and XXXX, which would have ended between XXXX and XXXX. Despite this, the loans remain listed as in repayment with balances in XXXX. No documentation was provided explaining deferments, capitalization events, or term extensions that would account for this discrepancy. When I asked for loan reconciliation, payment allocation history, capitalization needs, and payoff statements I did not receive any of that documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I won XXXX from XXXX XXXX and paid for the games on XXXX, XXXX XXXX and XXXX and only XXXX XXXX has given me full refunds of the money I deserve since XXXX refuses to pay me my XXXX and if XXXX XXXX pay like they say they will then XXXX and XXXX XXXX should find that goods and services are not being provided, therefore I should be entitled to a full refund on all my transactions with XXXX and XXXX XXXX I got over XXXX from XXXX XXXX through disputes with in XXXX week and XXXX and XXXX both have denied my disputes and cash all, XXXX and XXXX all together dont even add up to the winnings XXXX owes me for so Im still losing money if all 3 banks paid me my dispute money back since XXXX owes me XXXX. I just want my money since services were not provided and XXXX to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: TX

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
I am filing this complaint because Chase has failed to follow through on a resolution they provided in response to a prior CFPB complaint. This complaint relates to CFPB Case Number : XXXX. In Chases official written response to that case, dated XX/XX/year>, they stated that they issued a one-time credit of {$360.00} to my account and that I would see it reflected on my next statement. As of today, XX/XX/year>, no such credit has been applied. On XX/XX/year>, I contacted Chase directly using the customer service number on the back of my card to confirm whether the credit had been processed. The supervisor I spoke with confirmed that there is no record of a {$360.00} credit being issued to my account. The supervisor opened an internal Chase case regarding this issue. The Chase reference number for that call is : XXXX. Despite Chase previously representing to the CFPB that this matter had been resolved by issuing the credit, the promised credit has not been applied. I attempted to resolve this directly with Chase before filing this complaint. However, as of today, the issue remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was given a check on XX/XX/XXXX by my employer XXXX XXXX XXXX. I did a mobile deposit on the same day, and the funds were ready the same day. I proceeded to pay my bills and had enough to cover them. On XX/XX/XXXX, XXXX reversed the check. Truist provided a trace number and mobile deposit proof. While I am not sure which number is which, it states XXXX The XXXX XXXX XX/XX/year> XXXX XXXX XXXX I can provide the data in an email if needed. This was provided by the Truist Bank Branch Leader : XXXX XXXX XXXX XXXX XXXX gave an ID XXXX but was not able to explain what the number refers to. They will not issue a provisional credit subject to investigation, despite my formal request under Regulation E. I have been hung up, cursed out, and neglected. I had payment arrangements set up to pay my bills that could not be honored because of this issue. This issue is causing even more issues of financial strain on myself. I was paid by XXXX XXXX XXXX XXXX and was unable to deposit it due to this issue. This forced me to open a new bank account. I simply want this issue resolved. Please advise and assist.

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 2026-03-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debois, Inc.
State: OH

Complaint narrative:
I am writing to formally dispute certain information that appears on my credit report, specifically regarding the item referred to as " XXXX B. '' According to the Fair Credit Reporting Act ( FCRA ), I have the right to request validation of this information.

Company response to consumer: Closed with explanation