vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I mistakenly made a mortgage payment to Ameri home mortgage on XX/XX/XXXX. They were the company that was managing my mortgage a couple months ago. They have since employed service XXXX to manage the mortgage when contact by service XXXX I quickly made a payment on XX/XX/XXXX. I had asked them on that phone call to apply the payment made to a home to my XXXX statement. They declined and said they have to research it and gave me an email address. I wrote an email to that email address stating what I had done and received no information back. I then spoke to another customer service representative from the Amer Home website number which brought me directly to service XXXX customer service agents. Since those original two phone calls, I have made eight different attempts to contact and resolve this issue. Every time I have been met with the fact that they need to gain more information or I need to provide more documentation. I would either like my money refunded from the XX/XX/XXXX payment or it applied to my XXXX payment. I have done some research and come up with the fact that Amira Home is the larger company and service. XXXX is the smaller company that takes care of the payments and escrow and all of that it shouldnt be difficult to find that extra payment since they are related, my loan number from both companies is the same and Im not sure where this difficulty is coming in, but I will be in default of my XXXX payment if it is not resolved soon. I feel like their customer service is lacking and that their representatives were not able to help me with this issue and the customer representative that I was appointed never answers the phone and has only responded very genetically in emails. Thank you.

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 2026-06-09 00:00:00
Product: Credit card — Store credit 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: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Hello, On XX/XX/year> I purchased and financed only ONE bicycle for the amount of {$970.00} However, I discovered that I am being charged as if I had purchased TWO bicycles. This billing error has caused financial concern and unnecessary stress. I have already contacted customer service regarding this issue, but the matter has not been properly resolved. In addition, I personally visited the store where I purchased the bicycle, and the store confirmed that only ONE bicycle was purchased under my transaction. They also provided proof through purchase receipts, which will be attached to this letter as supporting documentation. Despite this evidence, the duplicate charge issue remains unresolved and not pending anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX I received at text from Chase claiming a transaction was attempted on my account. When i replied no it was not me, I received a call from a Chase number. The person claimed to be a Chase representative. I was driving so i could not speak, they scheduled to call me back to go over the suspected fraud. I immediately called Chase and explained what happened and that the representative said they were from the fraud department. The Chase representative told me that the initial caller was from Chase Fraud dept., so i thought everything was OK. Later the fraudster called me back, using all of the same techniques as real Chase representative and convinced me to give them access to my account. They claimed to need to clear XXXX devices that had been linked to my account, but what they were doing was transferring {$40000.00} out of my account. I started getting suspicious and contacted Chase within XXXX minutes of hanging up. They explained that it was a scam and that it would take them 3-10 days to try and reverse the wire transfer. Why would it take so long to try to reverse it. Chase knows the money would be gone by then. I believe this was an inside job and Chase is aware of it and that's why they don't try to help recoup their depositors money. They claim the their representatives dont ask for codes, but i have been on calls with Chase reps for XXXX weeks and they ask for your phone number and request the codes that are sent over via text. They are not even considering that i've never had anything like this happen on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
My son had a friend at our house. He asked me if a friend of his could send {$200.00} to my PayPal account so that he could transfer the money to his account. He said he did not have a way to receive the funds and wanted me to do this for him as a favor. I reluctantly said yes. I should have known that it was the wrong decision because after this happened the person that sent him the money stole my information scammed people on marketplace. They sent him money for merchandise that he did not have. The merchandise was supposedly sold by me. Which was totally fabricated. The money for the merchandise was sent to my PayPal account which I never even saw a XXXX of that money. Because it was transferred out very quickly. They even managed to transfer {$44.00} to my bank account. When dispersing the funds.. The people who were scammed filed a claim against me because they did not receive their merchandise. I had no idea what they were even talking about! I filed a dispute through PayPal. Trying to explain to them that I did not do this! But they ruled in favor of the people who were scammed when I in fact was also scanned. Now they are saying that I owe them over {$400.00} which I do not have. I refuse to pay PayPal the money because I did not do these transactions! I have filed a police report and there is a warrant out for the arrest of the person responsible for this. It was all a lie! I need help. I would like to send you a copy of the police report and also how do I send you information from PayPal? I don't know how to do this.

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 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Hello. This debt is from an XXXX loan I received. I was making payments when the billing started, but then the payments stopped being collected. After a while, they started collecting again, but by then I had moved to a new address. I contacted the company to provide my new address and asked them to send the bills there, but they never did. I made several payments and was willing to keep paying, but they never called me or sent any notification to my new address. Now, they are deducting the money from my Social Security retirement benefits, and I don't have enough money left over. I am a senior citizen and rely on my retirement income to pay my rent ; I have never defaulted on the loanthis has simply been a failure of communication on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I made a cash deposit at a branch atm and the machine failed to deposit the funds to my account. I was given a prompt that stated We encountered a problem returning your cash and given a receipt that said the same. I called XXXX support to rectify the situation. A claim was started regarding the issue and was told the resolution timeframe ( 10-45 days ), but I was not given a provisional credit for their mistake. The cash that I was attempting to deposit was for my rent, which was set to auto draft from my account on the same day. Because the businesses lack of compassion and urgency for this matter, Im incurring more financial hardship. Not only will I incur a returned check fee in the amount of $ XXXX but also a late fee from my leasing office in the amount of {$160.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 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: Chime Financial Inc
State: WA

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>, XXXX unauthorized charges totaling {$520.00} appeared on my secured credit card from merchant Fundedelite.com. I did not authorize any of these transactions and have no account, subscription, or agreement with this merchant. I filed a fraud dispute on XX/XX/year>2026 ( Claim # XXXX ). On XXXX XXXX, 2026, Chime denied the dispute stating no billing error occurred with zero explanation of what evidence was reviewed or whether the merchant was ever contacted. No provisional credit was issued at any point during the investigation. The denial violates the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires the card issuer to conduct a reasonable investigation and provide written explanation of findings. Chime did neither. XXXX of the XXXX charges occurred within hours of each other on the same night ( XXXX AM, XXXX AM, and XXXX AM on XX/XX/XXXX ), which is a clear fraudulent charge pattern. I submitted a formal rebuttal to Chime on XX/XX/year>2026 requesting re-investigation, provisional credit, and disclosure of the evidence used. I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Description of XXXX : I am a Washington State homeowner currently trying to complete a home refinance to pay medical bills. I just discovered that a debt collector, Transworld Systems Inc. ( TSI / TSC Collection ), is using predatory " zombie mortgage '' tactics to block my closing and extract money for a debt that legally does not exist. In 2008, I had an XX/XX/XXXX mortgage combo through XXXX XXXX XXXX XXXX, consisting of a first loan for {$400000.00} and a second loan for {$100000.00}. On XXXX XXXX, 2009, a permanent Loan Modification Agreement was legally executed on my property. This modification consolidated and absorbed the underlying obligations of the loans into a single, brand-new primary loan balance of {$460000.00} ( currently serviced by Newrez/PHH/Onity Mortgage XXXX. No separate payments or statements have been made or issued on a second loan. TSI is attempting to collect {$100000.00} on the original, inactive 2008 note that was legally modified and dissolved 17 years ago. Furthermore, TSI intentionally or negligently sent their demand letter ( dated XX/XX/XXXX2026 ) to an old, obsolete address, running out my statutory XXXX dispute window. I only received a copy of the letter because my current servicer forwarded it to me on XX/XX/XXXX, with a demand deadline of XX/XX/XXXX. Under Washington State law ( RCW 4.16.040 ), the XXXX statute of limitations to enforce a promissory note has long expired. Per the CFPB 's explicit guidance on zombie second mortgages, threatening collection or foreclosure on an expired, modified note is a severe violation of the Fair Debt Collection Practices Act ( FDCPA ). I demand that TSI immediately cease all collection activities, remove this fraudulent claim from my title profile so my refinance can proceed, and close this file permanently.

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 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery. Depth from capital 1.part of XXXX date XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I already filed a complaint with you about this matter : XXXX You sent this to the company and the company replied that they apologize and would ensure to cancel the automated emails claining each month that " an automated payment in the amount of {$50.00} is scheduled '' - however, I DID receive another email AGAIN now on XXXX XXXX XXXX claiming a {$50.00} payment would be deducted from my account on XX/XX/XXXX. - WHY? After XXXX confirming to you AND me that they allegedly cancelled those automated emails, as well as the {$50.00} payments? How come they are incapable of achieving such a simple task?

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 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Premier Auto Credit
State: CA

Complaint narrative:
I am submitting this supplemental complaint regarding Premier Auto Credits refusal to honor a signed settlement agreement. On XXXX XXXX XXXX, Premier Auto Credit executed a written settlement agreement agreeing to accept {$3500.00} as full and final settlement of an account with a stated balance of {$7400.00}. The agreement was signed by both parties. After the agreement was executed, Premier Auto Credit informed me that it would not honor the settlement agreement and would instead demand the full balance. Premier Auto Credit has now stated in writing that it considers the agreement void due to alleged material non-disclosure because the vehicle had been involved in an accident and was the subject of an insurance claim. I dispute this position. During settlement negotiations, I requested a settlement of my account. I did not make any false statements or misrepresentations. Premier Auto Credit never asked whether the vehicle had been involved in an accident, whether an insurance claim existed, or whether the vehicle had been declared a total loss. The settlement agreement itself contains no provision requiring disclosure of an accident or insurance claim and no provision allowing Premier Auto Credit to revoke the agreement based on those facts. Premier Auto Credits position appears to be that I had an affirmative duty to volunteer information that was never requested. However, the company has not identified any provision of the settlement agreement, any provision of the underlying loan contract, or any specific legal authority that imposed such a duty. The timing of Premier Auto Credits actions is also concerning. The company agreed to accept {$3500.00} as full settlement, but after learning that insurance proceeds may be available, it withdrew the settlement and demanded approximately {$7500.00} instead. This creates the appearance that the company is attempting to obtain a greater recovery after entering into a written agreement. I respectfully request that the CFPB investigate Premier Auto Credits refusal to honor the signed settlement agreement, review whether its conduct complies with applicable consumer protection laws, and require the company to provide a detailed explanation and legal basis for its decision to revoke the agreement. As a fair resolution, I request that Premier Auto Credit honor the XXXX XXXX XXXX settlement agreement, accept the agreed settlement amount of {$3500.00} as full satisfaction of the account, release any remaining claimed deficiency balance, and provide a complete accounting of the loan and settlement dispute.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Request for Investigation of LVNV Funding LLC Collection Account I am filing a complaint regarding a collection account being reported by LVNV Funding LLC c/o Resurgent Capital Services . Account Information : Creditor/Collector : LVNV Funding LLC c/o Resurgent Capital Services Account Number : XXXX XXXX XXXX XXXX XXXX Current Balance : {$640.00} Original Balance : {$530.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Status : Collection / Charge-Off I dispute the accuracy and validity of this account and request that LVNV Funding LLC provide competent evidence that they have the legal right to collect this debt and report it to the consumer reporting agencies. Specifically, I am requesting : Documentation showing the complete chain of ownership and assignment of the alleged debt from the original creditor to LVNV Funding LLC. A copy of the original signed agreement or contract bearing my signature that created the alleged obligation. An itemized accounting showing how the balance increased from the original balance of {$530.00} to the current balance of {$640.00}. Documentation demonstrating that all information being furnished to the consumer reporting agencies is complete and accurate. Verification that LVNV Funding LLC has complied with all requirements of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The credit report currently contains the remark : " Account information disputed by consumer, meets FCRA requirements. '' However, simply stating that an account meets FCRA requirements does not constitute proof that the information being reported is accurate, complete, and verifiable. If LVNV Funding LLC can not provide sufficient documentation supporting the accuracy, ownership, and balance of this account, I request that the account be deleted from all consumer reporting agencies and that any inaccurate information be corrected immediately. I am requesting that the CFPB investigate this matter and require LVNV Funding LLC to provide the requested documentation or remove the account from my credit reports. Thank you for your assistance. Sincerely, [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
On XXXX XXXX XXXX American Express charged my card {$400.00} for a XXXX XXXX XXXX auto-renewal. XXXX sent no pre-renewal notification email. I searched all inboxes including spam and received nothing before the charge. I only discovered it when I saw it on my statement. I immediately cancelled the same day, which XXXX confirmed in writing. I contacted XXXX for a refund and was denied. I disputed with American Express twice. The first dispute was closed against me after XXXX sent documentation. I reopened with new evidence including the cancellation confirmation email proving I cancelled the same day as the charge. Amex has not yet resolved the reopened dispute. XXXX violated ROSCA by failing to provide pre-renewal notice before billing {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
A medical collection account for {$630.00} was reported by Waypoint Resource Group on my credit reports in XXXX. After learning of the collection, I contacted the original provider and obtained account records. Those records reflected payments, collection adjustments, and collection status changes that did not clearly reconcile with the {$630.00} balance being reported. On XX/XX/year>, Waypoint received my written request for debt validation via certified mail. I requested validation of the debt, an itemization of the reported balance, documentation supporting the amount being reported, and documentation showing authority to collect. XXXX tracking confirms delivery of my request. As of the date of this complaint, Waypoint has not provided any response, validation, itemization, or supporting documentation. I disputed the account with XXXX and later submitted supporting records and proof that my validation request had been delivered. The account continues to be reported with the same balance, but I have not received sufficient information to verify the debt or understand how the reported balance was calculated.

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