vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: KS

Complaint narrative:
Subject : Concerns About XXXX Loan Terms and Ability to Repay Description : I am filing this complaint because I am struggling with the terms of a highcost loan issued by Uprova Credit LLC. The loan was refinanced to a principal balance of {$1800.00}, and I have made three payments of {$250.00} so far. The APR is extremely high, and I did not fully understand how much the total cost of the loan would be over time. I am concerned that the repayment structure is not affordable and that the refinancing increased the longterm cost in a way I did not anticipate. I am requesting a review of the loan terms, the disclosures provided, and whether the lender is offering reasonable options for borrowers who are trying to avoid financial hardship. I am asking for assistance in resolving this matter and determining whether the lender can offer a more manageable or fair resolution.

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 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I am filing this complaint regarding an alleged rental debt being reported and collected by Columbia Debt Recovery LLC ( Genesis ) on behalf of XXXX XXXX XXXX XXXX XXXX. I was listed on the lease ; however, I was not the individual handling communications with the landlord or the debt collector. Despite this, the account has been reported on my credit file without proper validation or supporting documentation establishing that the debt is legally enforceable. At the time of move-out, the apartment was returned in a clean condition. We cleaned the unit ourselves and ensured it was left in a comparable state of cleanliness as when it was received. Under California Civil Code 1950.5, the landlord was required to provide a written, itemized statement of deductions along with supporting receipts within 21 days of move-out. I did not receive the required documentation within this statutory timeframe. Additionally, I was not provided with proper written validation of this debt after it was disputed, as required under 15 U.S.C. 1692g ( b ). Only after a complaint was filed by my husband who is also a lease holder did the company provide limited documentation, including a vendor invoice and an internal ledger. However, these documents reveal material inconsistencies and do not establish that the debt is valid. Specifically, the ledger reflects that damage-related charges were assessed on XX/XX/year>, while the vendor invoice supporting those same charges is dated XX/XX/year>. This indicates that the amounts were determined prior to receiving any supporting invoice, raising concerns that the charges were not based on actual incurred costs. No move-out inspection report, photographs, or documentation demonstrating damage beyond ordinary wear and tear has been provided. The lease limits tenant liability to cleaning and repair of tenant-caused damage, exclusive of normal wear and tear, yet no such evidence has been provided. The ledger also includes prorated painting charges based on tenancy duration rather than actual damage, which is inconsistent with California law. At no point has the company provided documentation demonstrating compliance with California Civil Code 1950.5 or proper validation under the FDCPA. As a result, the alleged debt remains disputed and unverified. Despite these deficiencies, the company continues to report this account on my credit file and assert that the debt is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I received money via XXXX the person disputed the funds and opened a claim against me. I contacted my bank and was told we can open a counter claim to return the money and when we do XXXX I can have my account back. They funds were set aside when and I still never gained access to my account. Later that XXXX week I revive notice saying theyve decided to close my account. I feel like thats unfair and wasnt what was discussed.

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 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: U.S. BANCORP
State: LA

Complaint narrative:
I am XXXX XXXX military residing in Louisiana. I am requesting that my account be reviewed under Louisiana Servicemember Civil Relief Act law. II request that my interest rates be lowered to 6 % as per the statute. Along with that, I am seeking reimbursement for all paid interest fees for the duration of the account that exceeded the 6 % interest rate outlined in the Louisiana SCRA laws. I have attached a copy of my military orders to the state of Louisiana. My home address is on file as XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2026-05-04 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Numerous phone calls and direct messages and emails over last month Was promised direct deposit of my cash rewards to XXXX XXXX never come in No can explain why I would like my cashback rewards so I can close this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I entered the establishment known as XXXX XXXX in the XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Upon requesting the final bill for a modest number of refreshments, I was presented with an invoice for {$12000.00} USD. When I contested the validity of this charge, the following occurred : XXXX XXXX : I was prevented from exiting the premises by armed security personnel. Intimidation : Management and security began filming and photographing me to increase psychological pressure. Observation of XXXX : I witnessed another patron being threatened with physical XXXX and forcibly escorted to an ATM to fulfill a similar fraudulent demand. Coerced Surrender of Assets : Under the immediate threat of bodily harm my credit card was seized by the bouncers to process the transaction. The validity of this claim is supported by the subsequent criminal investigation conducted by the XXXX XXXX Police and the Office of the Attorney General. XXXX XXXX : In XX/XX/XXXX, XXXX XXXX was raided and shuttered. Arrests : XXXX members of the criminal organization " XXXX XXXX '' were captured. XXXX XXXX : Official reports state the group was responsible for kidnapping, assaulting, and extorting foreign citizens in XXXX XXXX. Precedent : XXXX authorities cited specific cases ( e.g., XX/XX/XXXX, and XX/XX/XXXX ) involving identical tactics of beating and extorting tourists. My experience aligns perfectly with the established criminal patterns of this group. While Capital One has cited the physical presence of the card as a reason for denial, I contend that a transaction made under extreme duress and armed threat constitutes an unauthorized use of the line of credit. Lack of Consent : There was no " meeting of the minds '' or voluntary agreement to the terms of the transaction. Extortion vs. Purchase : The funds were not exchanged for goods or services of equal value but were surrendered as a " ransom '' for physical safety. Illegality : The merchant has been judicially recognized as a criminal front. A financial institution should not facilitate or enforce the collection of proceeds derived from documented kidnapping and extortion. https : XXXXXXXX XXXX REVIEWS XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: MO

Complaint narrative:
On cross-country mortgage website you are able to make a payment towards monthly dues, make additional payment and/or make payment to escrow. Every month I go on and make 2 different payment. Half mortgage on first paycheck and rest of mortgage on last pay check. First payment goes into " unapplied '' funds but deducts from my monthly dues. However, when i go to make last payment for the month their system automatically applies it to " additional principal '' even though I did NOT select additional principal payment but MAKE A PAYMENT towards my remaining monthly payment. I was told that I'll just have to keep calling every month to have them move the payment to the correct location instead of their system applying the payments as I am submitting them accordingly. They continually keep misapplying my funds and payments and pushing the extra responsibility on me every month to then call and get their systems mistakes fixed. This is NOT okay and I don't have time for this every month! My payments need to be applied to how I'm submitting them!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Please see the attached letter. In summary, my credit card was part of a forced conversion to a new issuer in which the new issuer did not disclose that a valuable travel benefit on my old card ( XXXX XXXX XXXX ) would be lost. Furthermore, the new issuer has indicated that they would not provide either an equivalent benefit or compensation relating to my old benefit.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
My mother died XX/XX/XXXX. I brought in her death certificate during XXXX of XXXX. They have not closed her account still and continue to charge their $ XXXX monthly fee. I have called several times and each time they say the customer needs to call. SHE DIED, how does that work? They need to close her account and send whatever funds are left to escrow. I want that money refunded and given to me and her account closed with no further contact. It should be in the area of {$350.00}.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: NJ

Complaint narrative:
Complaint Continued Reporting After Agreement to Withdraw Collection I am submitting a formal complaint regarding Waypoints handling of my account. I was explicitly informed that this collection account would be withdrawn on XX/XX/year>. However, the account was instead updated with the credit bureaus on XX/XX/year>, which directly contradicts that agreement and continues to damage my credit. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers are legally required to report accurate information and correct or delete information that is misleading or can not be verified. Reporting an account after agreeing to withdraw it may also constitute a deceptive practice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e. I am requesting immediate deletion of this account from all credit bureaus, as previously agreed, and written confirmation that all reporting has ceased. If this issue is not resolved promptly, I will pursue additional complaints and legal remedies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I am an honest retired elder ( XXXX y/o ) physician victimized by IDENTITY THEFT with multiple fraud charges on my credit cards, and false taxes filed under my Social Security number . I received XXXX letters from CAPITOL ONE on XX/XX/2025. In XXXX, my savings, checking and credit card accounts closed. In a second letter, my request of CAPITAL ONE to properly investigate the FRAUD charges on my credit card they incorrectly classified as a dispute. All accounts were closed and because of this CAPITAL ONE have used this as an excuse not to investigate all the charges that are not mine. A fraud investigation was begun mid XX/XX/2025 after I realized my credit card number was used multiple times ( thousands of dollars ). A financial book ( diary ) of accounting was stolen in mid XXXX without my knowledge. My drivers license and passport were also missing. My credit card was cancelled and a new card was sent. I was traveling in my RV and initial complaints were all by phone and began in early XX/XX/2025. At first I might not have used the word fraud, but stressed the fact the " charges were not mine '' ( and that I did not rent any car on XX/XX/2025 from XXXX or XXXX. XXXX used by Capital One is not what actually happened. I have proof from XXXX and XXXX car rental companies that I did not rent any car from them on XX/XX/2025. I was charged on my CAPITAL ONE credit card for a full week car rental XXXX from XXXX both starting on XX/XX/XXXX! Capital One ( XXXX ) refuses to send me a XXXX letter dated XX/XX/XXXX, XXXX and ( XXXX ) refuses to help me because they decided to close all my accounts. Both charges were added to the fraud investigation on my insistence over the phone. All charges I complained about were removed, but CAPITAL ONE added both car rental charges back in XX/XX/2025 ( about {$900.00} ) It is my right to receive any communication from any " alleged merchant. '' And my right to have fraudulent charges investigated properly with all responses sent to me. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LD Holdings Group, LLC
State: OH

Complaint narrative:
I am getting harassed by LoanDepot they call me pretending to be looking for someone named XXXX who took a loan. I have repeatedly told them its a wrong number but they have called me at least XXXX times over the past XXXX hours with rotating numbers. This amounts to harassment. Also they have sent texts and left voice messages. I am so frustrated I am postpartum and they are doing this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ascension Point Recovery Services, LLC
State: OH

Complaint narrative:
I am writing to formally raise a complaint regarding the account referenced as [ XXXX ], which has been identified as a charged-off debt. On multiple occasions, I have requested a copy of the original account statement and supporting documentation that verifies the validity, amount, and details of this debt. To date, I have not received the requested information. Despite this, I am being asked to proceed with payment or settlement discussions. Before I can make any informed decision regarding resolution of this matter, I require proper documentation, including but not limited to : The original account statement from the creditor A full accounting of the balance, including fees, interest, and charges Verification that your organization has the legal authority to collect on this debt As a consumer, I have the right to request validation of the debt prior to making any payment. Proceeding without providing this information raises serious concerns regarding the accuracy and legitimacy of the claim. Until such documentation is provided, I request that : All collection efforts be paused No negative reporting be submitted or continued with credit reporting agencies All communication regarding payment demands cease until validation is completed Please provide the requested documentation within 30 days of receipt of this letter. Failure to do so may result in further action, including filing complaints with the appropriate regulatory agencies. I look forward to your prompt response and resolution of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Beginning or around XX/XX/year> I requested my automatic payment be changed from the XXXX to the XXXX, I also requested via telephone twice and was told it would be changed in time. today my account was drafted for the payment despite my requests. This is causing me financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
on XX/XX/XXXX two individuals sent me {$40.00} all together on XXXX. it was not reflected on my account so i gave it a day. 3 days later it still wasnt reflected on my account and i contacted venmo chat support on the app and no customer service agent replied to me when i asked them whats going on and why im not seeing the {$40.00} back on my account. i contacted them on venmo chat support again today on XX/XX/XXXX and they still didnt respond back to me and ignored me.

Company response to consumer: Closed with explanation