vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: U.S. BANCORP
State: MN

Complaint narrative:
I opened a platinum business checking account in early XXXX because they had a {$1200.00} promotion going on. On XX/XX/26, I called and asked if I had met all the requirements to get the {$1200.00}. The business banker lady on the phone ( XXXX ), counted all my transactions and read the terms and she determined that all requirements of the promotion were fulfilled and I should expect the {$1200.00} in a couple weeks. It is now XX/XX/26 and I called US Bank business center and spoke to a manager and she said it is not likely I would get the promotion because my balance dipped below {$25000.00} on XXXX. It had only dipped below because I allowed my contractor to cash a check because I believed I was all cleared to receive the {$1200.00} already. I was already ensured by the business banker on XX/XX/26 that I met the requirement a while ago already and just had to wait for the funds to hit. It sounds like I am not getting the {$1200.00}. That was the whole purpose I signed up for the account.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I never gave this debt collector permission to disclose my medical information. The medical account should not be listed on this credit report because it contains private information. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — VA 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: Freedom Mortgage Company
State: GA

Complaint narrative:
In XX/XX/year>, I submitted a loss mitigation application to my mortgage servicer, Freedom Mortgage. On XX/XX/year>, I was notified in writing that my application was facially complete and that all required documentation had been received. I was told my application would be reviewed for all available loss mitigation options. On XX/XX/year>, prior to a scheduled automatic payment on XX/XX/XXXX, I contacted the company in writing to ask whether I should continue making payments during the active loss mitigation review, as my statement reflected a {$0.00} amount due. I also requested that the scheduled automatic payment be canceled to avoid any negative impact on my application. On XX/XX/year>, I was informed in writing that the automatic payment will need to remain as is and could not be stopped. Relying on this instruction, the automatic payment was processed on XX/XX/year>. Shortly thereafter, on XX/XX/year>, I was notified that my loss mitigation application was denied with the stated reason that my loan is reinstated and that I did not complete the program. In effect, the company required the payment to proceed, then used that same payment as the basis to deny my loss mitigation application. Additionally, the companys system still reflects my loss mitigation application as active and pending third-party documents, which prevents me from reapplying or moving forward with any new request for assistance. This is the second major issue I have experienced with this servicer in two years, including a prior issue involving disaster-related assistance where options were not clearly explained. I believe the servicer provided incomplete and misleading information, failed to properly evaluate my complete loss mitigation application, and is currently preventing me from accessing available assistance options.

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 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: MoneyLion Inc.
State: AR

Complaint narrative:
I am trying to cancel my membership with MoneyLion, but I am being blocked due to a pending membership payment message that is always there. This prevents me from canceling and may result in continued charges. I believe this is an unfair billing practice. I want the membership canceled immediately and any pending or future charges stopped. If any charges have been taken, I request a refund. When i called the company they stated they can not cancel an account if there is a pending membership payment. That there system will not let 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 2026-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: VT

Complaint narrative:
Sent secure messages, including proof of tax payment- {$410.00} ( justification for escrow adjustment ) and have not received a reponse. Attempted to contact the company multiple times since, to no avail, despite them harassing me with marketing calls almost daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: NC

Complaint narrative:
This situation is unacceptable and must be addressed immediately. I have been subjected to collection activity for a debt that is unverified and does not belong to me. I have no knowledge of this account, nor have I authorized or incurred any such obligation. I am also receiving repeated and aggressive communications across multiple channels, including threats of legal action. This conduct is inappropriate, harassing, and a clear violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am submitting an update regarding my existing complaint [ case number XXXX ] against Citibank involving a fraudulent wire transfer of approximately {$97000.00} on XXXX, XXXX. Since my last update the bank initially denied the fraud claim but later reopened the case after I disputed the decision. on XXXX, XXXX, Citi 's Fraud prevention team called to confirm that he did not authorize the wire transfer and has never conducted a wire transfer before. XX/XX/XXXX I received an email from Citi stating that a final written determination would be provided, but has not as of XXXX, XXXX, I have received nothing. Additionally, I am now unable to access any case status through the banks phone system, as it no longer recognizes the account or case and repeated attempts to obtain updates through both fraud department and bank representatives have been unsuccessful. I am extremely concerned about : -The prolonged delay in issuing a final determination. -Conflicting and inconsistent case information ( including multiple case numbers ) -Lack of transparency and inability to obtain status updates. -The approval of a large, unusual wire transfer despite recent fraud alerts, and no prior history of wire activity on the account. I am requesting that Citibank provide : 1.A clear written explanation of how the transaction was determined to be authorized. 2.Documentation of the security and verification procedures used to approve the wire. 3. Confirmation that reasonable prevention measures were followed given the account history and circumstances. 4.An immediate update on the status of the reopened investigation. Given that I am XXXX XXXX XXXX and the nature of this incident, I respectfully request an expedited review and 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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: KS

Complaint narrative:
I messaged online and asked them to close the card due to fraudulent activity. They refused to close the card. They tried to trick me by sending me a link to Open a new card, but refused to close it unless I opened a new card. So I told them to close the whole account. They refused to close the acct or the card. They said, I had the card locked, that should be good enough. I keep getting emails saying someone is trying to use my card, but it couldnt be used because it is locked. Even though I reported fraud they refuse to close the cash app card. And the thieves are still trying g to use it. XXXX example is at XX/XX/XXXX. Also, XXXX. Also XXXX this morning at XXXX XXXX XXXX XXXX. I first reported it to them in XXXX or XXXX. And they flat out refused to close the card. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
Issue : Unable to access funds / account frozen for suspected fraud I am filing a complaint against USAA regarding a prolonged and unresolved account restriction. My account was restricted around XXXX due to a fraud claim, and approximately {$2000.00} of my funds has been withheld since that time. It has now been over XXXX days, and I still do not have access to my money. I have fully cooperated with all requests made by USAA. I have uploaded my identification multiple times, visited in person to verify my identity, and contacted customer service repeatedly. Despite these efforts, my account remains frozen, and I have not been provided with a clear explanation, resolution, or timeline. This situation has caused financial hardship, as I am being denied access to my own legitimate funds without justification or timely resolution. My repeated attempts to resolve this directly with the bank have not resulted in any progress. I am requesting that USAA : XXXX. Immediately release any verified, legitimate funds, or XXXX. Provide a clear written explanation for the continued restriction, including what specific documentation is still required, and XXXX. Provide a definitive timeline for resolution. At this point, the length of the restriction and lack of communication is unreasonable.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am unable to open a bank account due to information reported by Bank of America to XX/XX/XXXX indicating suspected fraud activity. This account was reported with an unpaid balance of {$980.00} and classified as fraud. I disputed this information with XX/XX/XXXX, and the account was re-verified by Bank of America without providing sufficient documentation or clear evidence supporting the fraud claim. I contacted Bank of America directly and requested proof of how this account was determined to be fraudulent, but I was told they could not provide additional details and referred me back to XX/XX/XXXXalso did not provide meaningful documentation beyond stating the information was verified. This has prevented me from opening a checking account and accessing basic banking services, causing financial hardship. I am requesting that Bank of America provide full documentation supporting this fraud claim, including how the determination was made, or remove this inaccurate information from XX/XX/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 explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hello, I am writing regarding my Comenity Capital Bank / XXXX account. I previously disputed a late payment through the credit bureaus, and it was marked as verified. However, no documentation or explanation has been provided showing how this late payment was investigated or confirmed. I am requesting the method of verification used to validate this late payment, including the records relied upon to determine its accuracy. If this information can not be properly verified with documentation, I request that the late payment be removed from my credit reporting. Please provide a written response with the requested details. Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC
State: VA

Complaint narrative:
Vehicle & Purchase Information Purchase Date : XX/XX/XXXX Current Date : XX/XX/XXXX Dealer : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Mileage at Purchase:XXXX Current Mileage : Approximately XXXX miles driven since purchase Summary of Issues After experiencing abnormal steering behavior, I brought the vehicle to a certified XXXX XXXX XXXX XXXX Their diagnostic inspection revealed two major mechanical failures : XXXX. Failing Power Steering Pump Estimated Repair Cost : ~ {$4000.00} XXXX technicians confirmed the steering pump is failing. This is a critical safety component, and the symptoms indicate the issue existed long before I purchased the vehicle. This defect was not disclosed by XXXX. XXXX. XXXX ( Variable Camshaft Timing ) Solenoid Failure Estimated Repair Cost : ~ {$4000.00} The XXXX XXXX also identified an open XXXX solenoid, a major internal engine component located behind the engine. This is not a wearandtear item and would not fail suddenly within XXXX miles of normal use. This defect would have been present at the time of sale. This Violates Virginia Dealer Requirements XXXX advertises a XXXXpoint inspection and claims vehicles are thoroughly evaluated before sale. However : Both defects are major mechanical failures that would have been detectable during any legitimate inspection. These issues pose safety risks and significantly affect the vehicles value and operability. Selling a vehicle with undisclosed, preexisting mechanical defects constitutes misrepresentation under Virginia dealer law. The cost to repair these issues totals approximately {$8000.00}, far beyond what would be expected after only XXXX miles of normal driving. I believe XXXX failed to perform the inspection they claim, or knowingly sold a vehicle with serious defects. I attempted to contact XXXX ; however, they do not have a formal customer experience complaint form.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I am requesting a good-faith and compliance review of the late-payment reporting on my mortgage account. I am trying to access home equity, but the reported late payments are materially harming my ability to qualify, despite my account now being current and my hardship being temporary. Please review whether each reported late payment was processed, credited, and reported accurately. Under 15 U.S.C. 1666b, creditors may not treat certain payments as late unless legally required timing and billing procedures were followed. Although this statute is most commonly applied to open-end credit, I am requesting LoanDepot enforce the same consumer-protection principle : payments should not be treated or reported as late where billing, notice, processing, or crediting procedures caused or contributed to the delinquency. I also request that LoanDepot investigate its reporting duties under the Fair Credit Reporting Act, including the requirement to furnish accurate information and correct or update information that is incomplete, inaccurate, or unverifiable. If any late payment was caused by delayed processing, misapplication, payment-plan confusion, hardship-review delays, servicing error, or failure to properly credit funds, I request immediate correction and deletion of the late-payment notation from all credit bureaus. My purpose is not to avoid responsibility. I am asking LoanDepot to enforce the law, review the account fairly, and remove late-payment reporting that is inaccurate, unfairly reported, or correctable as a goodwill/hardship adjustment. I am a XXXX veteran, my hardship was temporary, and I am now seeking access to my home equity to stabilize my finances. Please provide a written response confirming : ( 1 ) the payment due dates, ( 2 ) the dates payments were received, ( 3 ) the dates payments were credited, ( 4 ) the dates late fees were assessed, ( 5 ) the dates LoanDepot reported the account late to each credit bureau, and ( 6 ) whether LoanDepot will delete or correct the late-payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XX/XX/XXXX'For XX/XX/XXXXweeks I have called, used the chat and email. I have been given the run around day after day. I have done everything every step of the way that this company has told me to do in order to get the refund off of my account and close out my account. I am on XX/XX/2 weeks now again being told oh we needed in writing we Ive sent it three times in writing oh yeah I see that here now you gotta wait again another XX/XX/XXXX to XX/XX/XXXX days. Theyve been telling me that from almostXX/XX/XXXX days ago so I cant believe that this is a practice in the United States of America that I have to go through this and keep getting the runaround after the runaround I need help. Can somebody please help me with this company? I have the documented emails. I have the information in the chat. I have everything that I need to have to verify that Ive done everything that was asked to me please someone help me.'

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 2026-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I am disputing incorrect loan accounting and misapplied funds on my federal student loan account serviced by MOHELA. On XX/XX/XXXX, my account reflects a refund/credit of {$86000.00}, which currently appears as a negative balance ( - {$86000.00} ) on loan XXXX XXXX XXXX XXXX. However, this credit has not been applied to my active consolidated loans ( XXXX and XXXX ). As of XX/XX/XXXX, my total current balance is {$600000.00}, which does not reflect any reduction from this {$86000.00} credit. In addition, on XX/XX/XXXX, a transaction labeled Write-Up added {$22000.00} to my account without explanation or documentation. I do not understand the basis for this increase. I have contacted MOHELA multiple times to request : A full explanation of the {$86000.00} credit and why it has not been applied to my active loan balance Clarification of the {$22000.00} write-up A transaction-level accounting showing how my current balance was calculated I was told the issue would be escalated, but no resolution or clear explanation has been provided. Additionally, I attended XXXX University, and my understanding is that eligible borrowers were granted automatic federal student loanXX/XX/XXXX related to that institution. My loans have not been XXXX, and I have not received any explanation as to why this relief has not been applied to my account. As a result, my loan balance appears inaccurate and potentially inflated by over {$100000.00} when accounting for the unapplied credit, unexplained write-up, and missing discharge. I am requesting : A full audit of my account Immediate correction so that the {$86000.00} credit is properly applied to my active loans A detailed written explanation and justification for the {$22000.00} write-up Review and application of any eligible XXXX University-related loan XXXX to my account My goal is to ensure my loan balance is accurate and reflects all credits, adjustments, and applicable discharge relief correctly.

Company response to consumer: Untimely response