vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Before XXXX I was trying to use a {$200.00} AMEX gift card, it wasn't working anywhere so I called the company and was told there was a {$0.00} balance they did ask me if I called about the card before and I said no, they said somebody else had called about the card and it was escheated to the state. I didn't even know what that meant at the time. They told me I was out of luck and should take it up with the state. This was a gift card given to me by a former boss and I don't have the purchase information. I attempted to use the card at the end of XXXX  and the expiration date is for XXXX of XXXX, 5 years from when I tried to use it!! I had no idea that this was even a possibility that you could lose your funds on a gift card 5 years before it's even set to expire, what a scam. AMEX could care less about me being out the money. This whole thing is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
This is a follow up to CFPB complaint # XXXX ; on XX/XX/XXXX ( approximately XXXX years later ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my account a payment that I made on XX/XX/XXXX for {$830.00}. The payment was always under the control of XXXX XXXX but they couldn't locate it. XXXX XXXX adversely affected my credit by making an incorrect report to TransUnion XXXX XXXX. Due to XXXX XXXX incorrect report to Trans Union, XXXX XXXX directly affected my credit standing resulting on being offered dis-favorable credit options on a Mortgage Loan that I requested from XXXX XXXX XXXX XXXX XXXX evidence attached. I submitted evidence to XXXX XXXX via electronic communication and over the phone repeatedly over the course of XXXX  years demostrating that I have made a payment and settled the account at the time I closed the account but they disregarded the information. They do not have a physical customer relations office so evidence of the communication with XXXX XXXX is via electronic mail including payment receipts ( attached ) and proof of funds draft from my bank account demonstrating that I responsibly settled this account at the time I closed the account. The account was closed due to failure from XXXX XXXX providing telecommunications services to a wearable device ( XXXX XXXX ). The damage they caused affected my ability to obtain favorable credit resulting in disqualification for the purchase of home through a Mortgage Loan.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I requested that obsolete information related to this account be deleted due to its age and inactivity. I provided updated personal information solely for the purpose of verifying my identity in connection with that request. Instead of deleting or properly reviewing the obsolete data, the creditor used my current information ( including my updated address ) to modify and refresh the reporting of an old debt. 

I explicitly stated in my correspondence that my intent was not to update or revalidate the account, but to have outdated information removed. My current personal information was misused to update the reporting of a debt that has been inactive for years, giving the appearance of recent activity where none exists. This action is inaccurate and misleading and does not reflect the true status or age of the account. 

I am requesting correction or deletion of this account to ensure my credit report accurately reflects complete and accurate information in compliance with the Fair Credit Reporting Act.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
XX/XX/year> : Company called ( They are not allowed to call my residence via judge, lawyers and certified complaint but they called anyway ) discussing payment charges. 

Charges were wrong I requested they relook at situation. Gentleman notice there was a discrepancy and apologized. I then requested I be sent the paperwork of this change and fix. They said yes. 
I never received any paperwork concerning this phone call but I did receive a threatening letter by the company on payments for XXXX, XXXX of XXXX. 

I will make payments now since they are using this as an excuse. 
But I want my balances checked and I want my paperwork sent to me from that day in XXXX. 
I'm tired of incompetent people messing with the billing and not properly putting my payments in the correct balances.

Company basically took a payment of over XXXX dollars and instead of putting it towards what was owed they put it towards escrow. That is their own fault not mine. 

I demand a check of balances so I can verify I am being charged properly.They refuse to send any documentation. 
This company is known to mess with peoples billing and this is proof since they refuse to send any proper documentation of the situation. 

I have this phone call on recording and can prove this conversation happened and I can prove Shellpoint will not hesitate to lie and then ignore you until you just go away. 

Prove once again they are in breach of the mortgage contract and should be charged accordingly for harassment and incompetence in illegal activity on individuals mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a Wells Fargo Premier Checking account on XX/XX/year>. There was an account opening bonus attached to the checking account whereby I would receive a {$3500.00} bonus for bringing {$500000.00} or more in new deposits to qualifying linked accounts by Day XXXX and maintaining at least a {$500000.00} balance through XXXX XXXX. 

There were multiple technical issues during the in-person account setup that required the banker to call Wells Fargo technical support. I mention this only to establish that Wells Fargo does not seem to have a very streamlined process for opening accounts. 

I opened a XXXX brokerage  account shortly thereafter, transferred $ XXXX around XX/XX/XXXX, and have maintained that balance ever since. I had to call into Wells Fargo for help with opening the brokerage account, and the phone banker did not attach the XXXX account to my Premier Checking account. Both accounts were under my online profile, so I had no way of knowing he didn't link the accounts. 

When the date to receive the bonus came and went, I contacted both Wells Fargo and my banker to report the issue and only then learned I was deemed ineligible for the bonus because the brokerage account wasn't linked. 

My banker, XXXX XXXX, and XXXX of the case managers, XXXX, have both acknowledged this is simply a Wells Fargo technical issue and that this should be resolved in my favor since I clearly had the funds in my account. However, two weeks have now passed since the internal complaint/inquiry was filed, and I have yet to receive a 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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
Signed on for the XXXX XXXX XXXX XXXX. Received less that satisfactory results but gave them another chance after expressing my desire for a refund. Nothing has changed - still just sending logs with no feedback, weekly meeting that was ok but felt more for the trainer than the clients. Upon further review and legal counsel, we realized that the company name on the contract and the company name on my loan documentation are not the same. I signed the contract with one company but am paying another that is not listed on the contract. I emailed them on XX/XX/year> expressing this and wanting to cancel my agreement and stop all charges. I can not open a dispute again with Affirm as it is outside the 120 day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: KS

Complaint narrative:
I am writing to file a formal complaint regarding illegal debt collection practices by LVNV Funding LLC, XXXX XXXX XXXX, Resurgent Capital Services, L.P., and XXXX XXXX XXXX. 
TIMELINE OF VIOLATIONS : XXXX  Notice on XX/XX/XXXX that the debt was sold to Resurgent. XXXX shows up in text ( without permission ) on XX/XX/XXXX representing the debt for LVNV. Resurgent also says they represent LVNV.

1. TCPA Violation ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX began texting without my consent Multiple unauthorized TCPA texts received I have documentation of all texts 2. FDCPA 1692g Validation Failure ( XX/XX/XXXX XX/XX/XXXX Sent formal validation demands XX/XX/XXXX to XXXX, Resurgent, and LVNV 30-day deadline : XX/XX/XXXX None of them responded to the account number discrepancy Extended notices sent XX/XX/XXXX to all three ( deadline XX/XX/XXXX ) All received via certified mail with return receipts LVNV has NEVER responded to show proof of ownership As of today ( XX/XX/XXXX ), no response 3. FCRA Violations ( XXXX XXXX XXXX  ) XXXX reported collection account to XXXX  without proof of ownership I disputed with XXXX  on XX/XX/XXXX XXXX  reported " verified by LVNV '' on XX/XX/XXXX without requiring chain of title proof LVNV accessed my credit report without permissible purpose 4. Chain of Title Broken ( Multiple Account Numbers ) XXXX claims account # XXXX Resurgent claims account # XXXX XXXX XXXX just sent letter ( XX/XX/XXXX ) claiming same debt XXXX different collectors with DIFFERENT account numbers proves broken chain 5. FDCPA 1692e ( 2 ) ( A ) False Representation Each collector claims to represent LVNV but none can prove LVNV owns the debt Conflicting account numbers = fraud or gross incompetence I have sent over XXXX notices to all three entities. LVNV has never responded. Resurgent could not verify which account number ( XXXX or Resurgent ). Resurgent kept sending the same information. 
I have enclosed documentation including : Certified mail green cards proving receipt by all entities XXXX letters from XXXX collectors XXXX credit report with fraudulent collection entry XX/XX/XXXX Demand for Proof of Ownership, Chain of Title, and Immediate Credit Report Removal Included in XX/XX/XXXX correspondence : text messages and email from XXXX All other disputes and notices are available for proof of evidence, upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
We don't remember the exact date but the vehicle was charged off. Currently looking for information on how to obtain title to be able to dispose vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NV

Complaint narrative:
I am submitting this complaint regarding an incorrect late payment reported on my auto loan account, despite my payment being set up through automatic withdrawal from my bank account. 
It's reflected on the credit report for XX/XX/scrub>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 monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I submitted a fraud dispute to target XXXX credit card it was received by XXXX XX/XX/XXXX of XXXX. I still have not received a resolution. I submitted substantial proof that the charges were fraud. They still have not removed the charges or completed their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TomoCredit Inc.
State: FL

Complaint narrative:
Do a trial with TOMO Credit but cancel before the trial end. However, AFFIRM already pay them, even after I cancel before the end of trial. And XXXX keep paying when I already submit a cancelation. Now, this is showing as late payment and cause my credit score to go down.Never received the card or a line of credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
I have been actively trying to retrieve my federal Social Security funds that were deposited into my BMO account. The check is a legitimate XXXX Treasury Social Security check and was verified by the bank at the time of deposit. Despite this verification, my account was placed back under review and the funds have been held. I have contacted the bank multiple times, visited the branch, and provided all requested verification. I have not been given a clear or consistent explanation for the extended hold or a definite release date. These funds are essential for my living expenses, and I am seeking immediate access to my Social Security money or written confirmation of when and how it will be released.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2026, I emailed XXXX XXXX XXXX reasons why I did not want to move forward with their offer. At the very end I typed, " Please do not attempt to run my card again..... '' Well, today is XX/XX/2026, and my ledger reflects they charged {$53.00}. 

Personally, I do not think XXXX did this because an email confirmation was never sent to me. I really think my account was removed from level XXXX, and I was manually robbed {$53.00}. However, since I can't prove that, I must blame XXXX because that's what my ledger reflects. 

So, in conclusion, XXXX charged my card AFTER my email. Therefore, I want my account credited {$53.00} To make matters worse, I do not have the service. I do not drive an XXXX  and there's NO Wifi. Nothing. View all 14 images attached. The XXXX  was stolen by XXXX and 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 monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My federal student loan serviced by Nelnet was subject to military-related forbearance under the Servicemembers Civil Relief Act ( SCRA ) due to my active-duty military service, which began in XX/XX/XXXX. I notified Nelnet of my active-duty status, and the account was placed into forbearance. 

Despite the account being covered by forbearance, Nelnet reported late payments for XX/XX/XXXX and XX/XX/XXXX to the credit bureaus. These late payments should never have been reported while the account was protected under XXXX. 

After discovering the inaccurate reporting, I contacted Nelnet multiple times to request correction. Nelnet acknowledged that the account was in forbearance but failed to correct the inaccurate late payment reporting in a timely manner. I have contacted Nelnet XXXX separate times, including escalations to individuals described as higher-level representatives, and was repeatedly told that no one had the authority to immediately correct the issue. 

On XX/XX/XXXX, I was told the issue had been sent to the XXXX XXXX department. On XX/XX/XXXX, I spoke with a representative named XXXX, who stated they were the highest-level person I could speak with. XXXX informed me that the correction would likely be denied because the forbearance dates had not been updated to cover the period when the late payments began, and that a request to update the forbearance dates would be submitted that day. 

I was told this forbearance date update would be completed on XX/XX/XXXX, allowing the late payments to be corrected before Nelnets end-of-month credit reporting cycle. However, when I called again on XX/XX/XXXX, I was informed that no forbearance date change had actually been entered. At that time, another representative submitted the forbearance date update and initiated another credit verification request, which I was told could take up to XXXX XXXX. 

Nelnet reports to the credit bureaus once per month at the end of the reporting cycle and had more than a week to correct its known error before the reporting cutoff, but failed to do so. I am now being told that I must wait more than a month for the next reporting cycle for the correction to appear, even though the late payments are legally required to be removed under federal law. 

This delay is not required under XXXX and is causing ongoing harm. Because of XXXX failure to timely correct its error, I am unable to qualify for a mortgage and am at risk of losing the opportunity to purchase a home that will sell quickly. The financial harm I am experiencing is due solely to Nelnets continued furnishing of inaccurate information after being notified of the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am Bank of America XXXX XXXX client disputing the bank 's failure to conduct a " reasonable investigation '' under Regulation E ( 12 CFR 1005.11 ) regarding an erroneous ACH debit of {$1200.00}. Despite providing evidence from the merchants own ledger proving that no debt was owed, Bank of America has twice denied my claim with no clarification in reasoning.

Timeline and Facts : Late XXXX : Following the sale of a condo, I ensured my account with the XXXX XXXX XXXX was settled. 

The Ledger Evidence ( Attached ) : As shown in the attached official ledger from the XXXX, a payment from a third party was successfully processed before the automated systems triggered my dispute amount. This ledger confirms that at the time of the subsequent ACH withdrawal, my account balance was {$0.00}. 

XX/XX/XXXX : Despite the XXXX balance, the XXXX system erroneously initiated a duplicate XXXX debit of {$1200.00}. 

Good Faith Resolution ( XX/XX/XXXX XX/XX/XXXX ) : I spent a year attempting to resolve this directly with the XXXX and through XXXX XXXX XXXX. During this time, the XXXX effectively admitted to the error in writing, stating they had " forwarded my payment as a credit to the new owners '' essentially acknowledging they took my funds to pay a debt I did not owe. 

XX/XX/XXXX : I opened Claim ID XXXX with Bank of America, specifically requesting a XXXX XXXX Return ( Entry Not in Accordance with Terms ). 

As of XX/XX/XXXX, Bank of America has denied my claim for the second time with the same statement that the charge was " authorized ''. This is a fundamental misunderstanding of the nature of the claim. An authorization to withdraw funds via autopay is strictly limited to the scope of the debt owed. If a customer owes {$0.00}, a withdrawal of {$1200.00} is inherently unauthorized and " not in accordance with terms. '' Bank of America is effectively arguing that a merchant has a blanket license to withdraw any amount from a customer 's account at any time, which is a direct contradiction of consumer protection standards. 

Investigation Failures : Bank of America has ignored the merchants written admission and the official ledger _from_the_merchant_ showing a {$0.00} balance. By failing to acknowledge these documents and the specific R11 return code, the bank has failed to meet the " reasonable investigation '' standard required by federal law. 

I have all documents/communications with all parties involved in my claim. I am prepared to attest to any of the occurrences of my claim. Should you need anything else to investigate this, please _do_not_hesitate_ to ask.

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 2026-01-28 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am disputing a partial amount ( {$4500.00} ) for items not delivered by a merchant. This was part of a large window purchase, and the merchant never delivered the window screens in XXXX of XXXX. 
The merchant has not been able to resolve this issue. I have contacted them multiple times saying it wasn't delivered. They usually tell me someone else needs to call me back and they never do. 
Apple Card has resolved this case 3 times in the merchant 's favor, however they have never provided me with any supporting evidence from the merchant. I am not able to contact someone in the Apple Card disputes department to determine what they need to resolve the case in my favor, even though I'm the only want providing evidence that the window screens have not been delivered.

Company response to consumer: Closed with explanation