vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I bought services from XXXX XXXX at various times. ( The company is now out of business. ) The services were charged through SYNCHRONY BANK. I was clearly told by the owner of the company that there would be no interest if I signed up for autopay. The automatic payments were made on time. I was shocked to see that outstanding balance had jumped by XXXX of dollars and began trying to get the matter corrected with phone calls. After countless attempts for months, of the phone merrygoround where XXXX person would promise to escalate the matter with no one getting back to me, I began writing. In XXXX, I thought I spelled out the problem : XXXX ) interest should never have been applied. XXXX ) I paid more that the amount charged. XXXX ) They should reverse all interest charges and refund the overpayments. I also sent them a statement from the owner of XXXX XXXX. She also, at that time, made comment of services that were never done and ask that the charges for that also be reversed. They did not reply to the interest charges, They only reversed the unused service charges. Letters and spreadhsheet attached. I have obtained copies of all the statements on the spreadsheets and will be happy to send them if you need to see them.

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 2026-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was not given a 1099-C, it was not reported to the IRS.

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 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The collection agency has confirmed they instructed deletion of this account. It is now being reported inaccurately and must be removed immediately. I've disputed XXXX XXXX XXXX account on Transunion and provided proof that not only was the account paid in full, but the collection office also provided a letter stating that it should be removed immediately. Transunion placed the balance at {$0.00} but left it on my credit. It needs to be removed immediately.

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 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding continued unlawful debt collection conduct, inadequate dispute handling, and improper credit reporting concerns. After requesting that communication cease, I continued receiving repeated telephone calls from multiple rotating and/or unidentified numbers. Calls also included references to visiting my place of business, creating intimidation, disruption, and harassment concerns. I am also registered on the National Do Not Call Registry, yet I continue receiving unwanted calls. Additionally, after I submitted prior disputes, the company responded with a generic and dismissive communication that failed to meaningfully address the specific concerns raised, provide adequate supporting documentation, or demonstrate a reasonable review of the matters disputed. This conduct may violate the Fair Debt Collection Practices Act, including : 15 U.S.C. 1692c ( c ) continued communication after cease request 15 U.S.C. 1692c ( a ) ( 3 ) improper workplace contact 15 U.S.C. 1692d / 1692d ( 5 ) harassment, oppression, and repeated calls intended to annoy, abuse, or harass 15 U.S.C. 1692e / 1692e ( 10 ) false, deceptive, or misleading collection practices, including caller identity concerns where applicable To the extent inaccurate, unverified, or improperly investigated credit reporting is occurring, this may also implicate duties under the Fair Credit Reporting Act concerning reasonable accuracy procedures and investigation of disputes. This pattern appears retaliatory after I exercised my dispute rights on several occasions with a vague dismissive response that in unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have attached the letter my bank sent me. Basically, I had 10 fraudulent charges on my credit card & they credited me for all of them initially, in XX/XX/year>. Then in XX/XX/year> they charged me back for 9 of these charges to the same merchant. All of these charges are FRAUDULENT but the Bank of America states the merchant told them they were made with 3rd party cell phone authentication, but they were NOT made with MY cell phone & it is unknown whose phone ( s ) were used to fraudulently use my credit card information for these charges. I do NOT have an account with this vendor & never have I every had an account with them.

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 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
At approximately XXXX pm, Sunday, XXXX XXXX,2026, I called Capital One to have them refund the {$120.00} credit balance on my account. I initially spoke with XXXX and made the request. She asked me for my cell phone number so they could send me a code for further verification. They should already have this information. I provided the cell phone number and then they said they couldn't send me the code and that they would send me a link and I would have to upload a copy of my ID. This sounded fishy to me, so I declined and asked them to just send me the credit balance. She refused to do so. I reminded her of the Fair Credit Billing Act that requires them to provide the refund within 7 days of my request. She refused to commit to sending the refund. I escalated to her supervisor, XXXX, ID # XXXX. The conversation continued with XXXX. I reminded him of the requirements of the Fair Credit Billing Act, but he quoted company policy, as if that supersedes Federal law. I told him I would be submitting this complaint, but he didn't care. He ultimately chose to disconnect the call. Please ask Capital One for the recording of this call, as I believe they are violating federal law in not providing me the refund to my address on file - the same address they had no problems sending bills to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Shellpoint Mortgage Servicing foreclosed on my rental property in XXXX based on a fraudulent loan placed by someone using the name XXXX XXXX XXXX XXXX ' I own this property and Shellpoint had documentation proving my ownership in their own files from when I refinanced my XXXX home with them XXXX years ago - they used my XXXX rental property as income qualification. Despite providing Shellpoint with repeated notifications, death certificates, and probate documents proving the correct name is 'XXXX XXXX XXXX ' ( no middle name ), they : XXXX ) Foreclosed on my property anyway, XXXX ) Issued a fraudulent IRS XXXX XXXX under the wrong estate name, XXXX ) Ignored multiple XXXX requests for correction. I have submitted a Qualified Written Request for my XXXX refinance documents that will prove Shellpoint knew I owned the XXXX property. Loan number : XXXX. This appears to be wrongful foreclosure and fraud

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 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliphant United, Inc.
State: MI

Complaint narrative:
Complaint Against Debt Collector Misrepresentation & Inaccurate Credit Reporting I am filing a complaint regarding a collection account that is being reported on my credit report inaccurately and based on misleading information provided by the debt collector. Account Details : Collection Agency : Oliphant USA Reported Balance : {$10000.00} XXXX entered into a payment arrangement with this company based on a verbal agreement made over the phone. During that conversation, I was explicitly told that if I entered into a payment plan, the account would not be reported to the credit bureaus. Relying on that representation, I agreed to the payment plan. However, despite this agreement, the company reported the account as a collection on my credit report. This directly contradicts what I was told and materially impacted my decision. I have disputed this account with the credit bureau and requested documentation from the collection agency, including : Proof of the terms of the agreement Evidence that I was informed the account would still be reported Any recorded communications supporting their position The company has failed to provide any documentation that supports the accuracy of how this account is being reported or that I was properly informed of the reporting terms. This constitutes misleading and inaccurate reporting under the Fair Credit Reporting Act ( FCRA ), as well as deceptive practices under the Fair Debt Collection Practices Act ( FDCPA ). Requested Resolution : Immediate deletion of this collection account from my credit report Confirmation that the account will no longer be reported I am seeking a fair resolution based on the fact that I relied on the companys representation when entering into the agreement, and the current reporting does not accurately reflect the terms presented to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: WV

Complaint narrative:
I am filing a complaint regarding a student loan related debt originally from XXXX XXXX in the amount of XXXX dollars dated XX/XX/year> which has been transferred or sold to Cedars Business Services without my clear understanding of the full terms and current status of the account. I am disputing this debt because I have not received adequate validation or documentation showing the full breakdown of the amount owed the original loan terms or proof that the balance is accurate and legally enforceable in its current form. I also did not receive clear communication regarding the transfer of this account to a third party collection agency and I believe the reporting and handling of this debt may be inaccurate or incomplete. I am requesting full validation of the debt including original loan documentation payment history itemized balance statements and proof of authority for Cedars Business Services to collect on this account. If the debt can not be fully verified I am requesting that it be removed from all credit reporting agencies including XXXX XXXX XXXX XXXX under the Fair Credit Reporting Act. I am also requesting a full investigation into the handling of this account including how it was transferred and whether all required disclosures and notifications were properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
On ~XXXX I opened a Huntington Bank checking account. I deposited money with the bank. In total, I have {$5500.00} held with the bank. The bank has decided to close my account, but will not give me prompt access to my money. I have spoken to numerous agents on the phone, who recommended I visit a bank in person. Then when I visited the banks in person they told me I needed to call the phone representatives. Back and forth and back and forth. I am aware that the bank has decided to close my account and is in the process of ( very very slowly ) giving me my money. They have removed my access to my bank account. I am unable to access it online, unable to withdraw money in person, or via my other banking institutions. At this point, I just want to receive my money back. On the phone, one representative told me it would take 30 days to receive my money, another told me it would take 90 days. Either way, I think this is entirely too long. They say 'it takes a long time to close the account, and technically the account is not yet closed ' when I speak to them, but yet I can not access my money. I would like the money immediately sent to my address on file. This has been going on for several weeks now. They were very eager to take my money but now hold it hostage and won't give it back when I have bills to pay. I spoke to multiple bankers in person. One was XXXX XXXX in XXXX XXXX on XX/XX/XXXX. I spoke to another branch manager that same day at another location in XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, an unauthorized transaction of {$800.00} was processed through Cash App and funded directly from my linked bank account. I did not authorize this transaction, do not recognize the recipient, and have no knowledge of who initiated it. I was not actively using or logged into my Cash App account at the time the transaction occurred. I reported this issue to Cash App and filed a dispute. After the initial denial, I submitted XXXX appeals. All were denied without Cash App providing any evidence that I authorized the transaction. I requested documentation showing how this transaction was verified as authorized, including login records, device information, IP address data, or authentication confirmation. No such documentation has been provided. Despite multiple attempts to resolve this issue, Cash App has not conducted a sufficient investigation or demonstrated that I approved this transaction. The transaction was funded directly from my bank account, increasing the financial impact of this unauthorized activity. I am requesting a full refund of the {$800.00} unauthorized transaction, along with a proper investigation and documentation showing how this transaction was determined to be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Loan Number : XXXX Date : XX/XX/XXXX2026 Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX RE : Complaint Escrow Mismanagement and Improper Insurance Disbursements Dear Sir or Madam, I am submitting this complaint regarding improper administration of my mortgage escrow account, involving duplicate, overlapping, and irregular insurance disbursements that resulted in unjustified escrow shortages. Duplicate Wind/CAT Payments ( XXXX ) : XX/XX/XXXX ( ~ {$4600.00} ) and XX/XX/XXXX ( ~ {$4700.00} ) represent overlapping payments inconsistent with standard annual billing. Irregular Patterns ( XXXX ) : XXXX XXXX payments ( ~ {$630.00} ) combined with large payments including XX/XX/XXXX ( ~ {$5900.00} + ~ {$290.00} ) reflect layered billing. Escrow Shortages : {$1000.00} ( XXXX ) and {$6500.00} ( XXXX ) resulted from disbursement errors, not borrower nonpayment. Estimated Overpayment : {$6200.00} $ XXXX based on duplication and irregular disbursements. iRequested Resolution : Full escrow audit ( XXXX ) Identification of duplicate payments Correction of account Refund or credit of improper charges I respectfully request investigation and correcton of this matter. Sincerely, _____________________________ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: IN

Complaint narrative:
I have been charged multiple late fees on my credit card despite making payments on the due date each time. The issue is that payments were not processed until the following day, which triggered late fees due to the companys processing timing, not missed payments. This has happened repeatedly over an extended period, resulting in significant fees. I contacted customer service and requested a full review of these charges, but they refused to review beyond a limited timeframe and ultimately denied any refund. When I asked for escalation, the representative refused and disconnected the call. I am requesting a full review of all late fees applied under these circumstances and a refund of fees that were caused by processing delays rather than actual late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to your claim that I owe a debt allegedly associated with an account you say was opened on XX/XX/year>. This letter serves as a formal request for full validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I am disputing this debt in its entirety and request that you provide complete documentation verifying its accuracy and legal ownership. Please provide the following : 1. The original signed loan agreement or application bearing my legally verified electronic or written signature 2. Full account history, including payment ledger and transaction records 3. Proof showing how the loan was funded and deposited ( bank account details used ) 4. Documentation of all communications allegedly confirming my identity or authorization 5. The name, address, and contact information of the original creditor ( XXXX XXXX XXXX ) 6. Any IP addresses, device logs, or electronic verification used to open the account 7. Proof that you have authority to collect and report this debt 8. Complete chain of custody if the account was sold or transferred to any third party ( including XXXX ) Until this debt is fully validated with documented proof, I am requesting that you : * Cease all collection activity * Suspend reporting to all credit bureaus * Mark the account as disputed immediately Please note that verification requires more than a summary of your internal records. I am requesting legally sufficient documentation showing that this debt is accurate, belongs to me, and was properly authorized. If you can not provide the requested validation, I request that this account be removed from all credit reporting agencies immediately. Sincerely,

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 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
Subject : Urgent Complaint Account Restriction with No Access to Funds, No Explanation, and Failure to Provide Resolution I am a long-time USAA member filing a formal complaint regarding the restriction of my bank accounts and the banks failure to provide access to my funds, an explanation, or a clear path to resolution. On XX/XX/year> at approximately XXXX XXXX EST, I received a fraud alert text message from USAA stating that outgoing transactions were restricted due to unusual activity. I immediately contacted USAA and was informed that my account had been placed under review. I was told that the appropriate team would contact me by the close of business that day or the morning of XX/XX/year> to resolve the issue and provide an explanation. At that time, I still had limited access to view my accounts via the mobile app. I did not receive any call or communication on XX/XX/XXXX. Additionally, my online access was further restricted without notice. I contacted USAA again on XX/XX/XXXX at approximately XXXX XXXX, and I was told that I would receive a call or email within XXXX hours. By XX/XX/year>, I still had not received any communication. I called again at approximately XXXX XXXX, at which time I was transferred between multiple departments. No representative was able or willing to : Provide a reason for the account restriction Provide a timeline for resolution Restore access to my funds Escalate my concern to a supervisor or appropriate department Despite repeated requests, representatives refused to escalate the matter or connect me with any team capable of resolving the issue. I was given no meaningful information or guidance. As a result, I have been left without access to my funds, which has caused significant financial hardship and XXXX XXXX. I have urgent financial obligations and no ability to meet them due to this unexplained and ongoing restriction. While I understand that banks may place restrictions for fraud or compliance reviews, USAA has failed to meet basic standards of communication, transparency, and customer support. I have made multiple good-faith attempts to resolve this issue directly with the bank, but have been met with delays, lack of information, and refusal to escalate.

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