vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
am submitting this complaint regarding late payments reported on my mortgage account. At the time the payments were reported late, I was serving on XXXX XXXX overseas. Due to my XXXX and the challenges associated with being stationed abroad, I experienced temporary difficulties managing my financial accounts and ensuring that payments were made on time. Once I was able to address the situation, I brought the account current and have continued making my payments. I contacted the mortgage servicer and explained that the late payments occurred while I was on XXXX XXXX overseas and requested a goodwill adjustment or review of the reporting. The company refused to make any adjustment to the reporting. These late payment marks are now significantly affecting my credit and financial opportunities. Given that the late payments occurred while I was XXXX overseas, I respectfully request that the company review my account and consider removing or adjusting the late payment reporting. Thank you for your assistance in helping resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
Following up on complaints XXXX and XXXX, which were closed in a dissatisfactory manner. I will then summarize my point in a single, easy to understand question, hoping that Newrez wont go around to answer me. What is the legal provision or internal published documentation supporting Newrez position to demand work unrelated to the insurance settlement to be completed prior to the release of the insurance settlement check?

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 2026-03-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Self Financial Inc.
State: AR

Complaint narrative:
Self - {$130.00} ( XXXX ) Self - has several closed accounts with the balance of XXXX just sitting there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
PayPal provided me with an XXXX wallet address associated with my PayPal account for the purpose of receiving cryptocurrency. The address provided was : XXXX I subsequently sent approximately {$1200.00} worth of cryptocurrency to this wallet address. The transaction was completed successfully on the XXXX blockchain and can be publicly verified. However, the funds never appeared in my PayPal cryptocurrency wallet. When I contacted PayPal customer support, I was informed that the funds were sent as XXXX ( USD Coin ) to the Ethereum address they provided. PayPal stated that their system does not support receiving XXXX at that address and therefore they can not recognize or credit the funds to my account.The funds remain visible on the public blockchain at the wallet address that PayPal provided to me, which indicates the assets were successfully delivered to a wallet under XXXX control. Despite this, PayPal has refused to assist with recovering or crediting the funds and has advised me to seek legal advice instead of providing a solution. Issue : PayPal generated and provided the wallet address used for this transaction. The funds were successfully delivered to that address. Since PayPal controls the wallet infrastructure associated with customer accounts, they should have the technical ability to access or recover tokens sent to addresses under their custody. Refusing to assist customers in recovering funds sent to an address they providedwhen the funds remain on-chaincreates an unfair situation where customer assets are effectively locked under PayPals control. Desired Resolution : I respectfully request that PayPal : Investigate the transaction associated with the wallet address they provided. Recover the XXXX tokens currently sitting at that address. Credit the equivalent amount to my PayPal account or return the cryptocurrency to a wallet address that I control. I am willing to provide the blockchain transaction hash and any additional documentation required to assist with resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding an auto loan reported by XXXX XXXX XXXX XXXX on my credit report. I was listed as a co-signer on the loan, and the primary borrower voluntarily returned the vehicle to the bank. The account is currently being reported as a charged-off debt with a balance of {$32000.00}. However, I have not received documentation showing how this remaining balance was calculated after the vehicle was surrendered. Under the Fair Credit Reporting Act and consumer protection laws, I am requesting that XXXX XXXX XXXX XXXX provide full documentation supporting the deficiency balance being reported. This includes : The voluntary surrender agreement Notice of sale of the vehicle The auction sale report showing the sale price The full calculation of the remaining deficiency balance A copy of the original signed loan agreement showing my obligation as co-signer If XXXX XXXX XXXX XXXX can not provide this documentation verifying the balance and proper notices related to the repossession and sale of the vehicle, I request that the account be corrected or removed from my credit report.

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 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I maintain homeowners insurance on my property through XXXX and I pay the annual premium directly. The current policy period is XX/XX/XXXX through XX/XX/XXXX and the full premium of {$870.00} was paid by me in advance. Previously my property was insured through XXXX, but that policy was cancelled and replaced with the XXXX policy. Rocket Mortgage was informed that the XXXX policy would not continue and that XXXX would be the active insurer. Beginning in XXXX I contacted Rocket Mortgage by phone to notify them that I had switched to XXXX and that I was paying the insurance directly. Despite these notifications, Rocket Mortgage continued to collect homeowners insurance funds through my escrow account. Throughout XXXX and early XXXX I called Rocket Mortgage multiple times requesting that the insurance record be corrected and that homeowners insurance be removed from escrow since I pay the premium directly. On XX/XX/XXXX I sent a written email notice requesting an investigation into the escrow insurance payments and asking for confirmation of the correct insurance policy on file. I also requested a full escrow audit and insurance disbursement history to determine where the collected insurance funds were sent. I have documentation showing proof of my active XXXX policy as well as proof of payment of the insurance premium through my credit card statement. These documents confirm that the insurance policy is fully paid directly by me. Despite providing this documentation, the issue remains unresolved and Rocket Mortgage continues to maintain incorrect insurance information. I am concerned that escrow funds may have been collected and potentially disbursed to an incorrect insurance vendor even though the XXXX policy was cancelled and XXXX is the active insurer. I am requesting that Rocket Mortgage : Correct the servicing error and update the insurance on file to my XXXX policy Remove homeowners insurance from escrow since I pay the premium directly Provide a full insurance disbursement history showing where escrow insurance payments were sent Refund or credit any insurance funds that were improperly collected or paid to the wrong vendor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Against Experian for Reporting Inaccurate Credit Information To the Consumer Financial Protection Bureau, I am submitting this complaint regarding inaccurate information being reported on my credit file by Experian. I recently obtained my credit report from Experian and noticed information that appears to be inaccurate and not reflective of the true status of my account ( s ). Despite the account ( s ) being paid in full and/or reflecting a XXXX balance, Experian continues to report these accounts in a manner that negatively affects my credit profile. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information reported on a consumers credit file is accurate, complete, and verifiable. The continued reporting of outdated or misleading account information violates these obligations. Specifically, the account ( s ) in question should reflect accurate status updates such as paid in full, closed, or otherwise corrected to reflect the current standing of the account. The presence of these accounts as negative or as items requiring attention is misleading and harmful to my credit standing. I respectfully request that the Consumer Financial Protection Bureau require Experian to : 1. Conduct a full and proper investigation into the disputed account ( s ). 2. Verify the accuracy of the information being reported. 3. Correct or remove any information that can not be properly verified. 4. Update my credit file to reflect the accurate status of the account ( s ). I have acted in good faith to ensure my financial obligations are met, and I expect the credit reporting agencies to uphold their legal responsibility to report accurate information. Thank you for your assistance in resolving this matter. Sincerely, 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 explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: MI

Complaint narrative:
On or about XX/XX/year> ; I researched bank promotions that encouraged opening a new account. Chime had the best opportunity ( {$350.00} in bonus dollars over 3 months and no requirement of maintaining an excessively high balance ), acceptable terms, plus Chime had been rated pretty well. I had a side gig that utilized direct deposit so I initiated opening an account with Chime. Strangely, I was denied an account. I figured that I did something wrong, so I tried again. Still denied. I enlisted the help of a Chime agent and he entered the information. Denied again. The agent was baffled and couldnt explain it. He put me on hold to confer with a supervisor and returned with no new information. It was then that I asked the agent if the reason that I was denied an account was because I had declined signing up for the Chime credit card. Each time I had attempted to get a new account with Chime, I had refused to check the optional box that would include a linked credit card to my account. The agent assured me that it wasnt the case. Then, because I wanted to take advantage of the {$350.00} bonus money for opening a new account, I applied again - and this time I checked the box that would give me the credit card. I was approved for a new account. This made me suspicious, but I figured that I didnt have to use the card and I wanted the {$350.00} bonus, so I would roll with it. Today, XX/XX/XXXX, I decided to call the company and see where I stood with the promotion. The virtual agent could not see that I was in line for the said promotion. It wasnt easy, but I escalated the issue to a live agent. The virtual agent assured me that a human would not be able to help me further. It was right. The agent told me that I was not enrolled in the promotion and could not be switched into it at this point. She did try and sell me on a different promotion that required me to drum up business for them through a referral process. I told her that it sounded like a bait and switch scheme : draw me in with a bogus promotion and give me something else instead. I escalated to her supervisor- whom I shared all this same information with. He told me that I didnt qualify and that Chime was under no obligation to rectify the situation. I told him that in addition to the bait and switch scheme, and the fraudulent promotion, you force clients to take credit cards in order to qualify for an account. None of this is acceptable. He thanked me for contacting them and I told him that I would be contacting you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I am reporting unauthorized credit card activity associated with my Wells Fargo account. I am a XXXX XXXX XXXX and the victim of identity theft involving this credit card account. In XX/XX/year>, the account showed a balance of approximately {$93.00}. Due to security concerns, the account was frozen. Despite this, an unauthorized credit card appears to have been issued and used without my knowledge or permission. Subsequently, multiple transactions occurred that rapidly increased the balance, eventually reaching approximately {$16000.00}, which is above the credit limit of {$12000.00}. I did not authorize any replacement card, additional card, or the transactions that created this balance. I have visited Wells Fargo branch locations several times and reported the issue to the bank. I also contacted the fraud department and explained that these charges were not made by me. However, the problem has not been resolved and the unauthorized balance still appears associated with my account. Because the account was frozen and I did not request or receive any replacement card, I believe that a fraudulent card was issued and used by an unauthorized person. This appears to be identity theft and unauthorized use of my credit 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 2026-03-07 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
A follow-up to a prior CFPB complaint regarding two unauthorized debit card transactions, one for {$890.00} and {$890.00} totaling {$1700.00} on my Navy Federal Credit Union account . I reported these transactions as unauthorized and stated that I did not authorize or participate in them. Navy Federal denied the claim and stated only that it determined you authorized and/or participated in the activity. No explanation or supporting evidence was provided. After filing my previous CFPB complaint, Navy Federal stated it conducted another review but again denied the claim without providing documentation supporting its determination. When I requested the documents relied upon in making this decision, the response I received stated that Navy Federal does not provide proprietary fraud detection methodologies. No actual evidence of authorization was provided. Under the Electronic Fund Transfer Act and Regulation E, financial institutions must conduct a reasonable investigation of unauthorized electronic fund transfer disputes and provide the consumer with the results of that investigation. Till now, they still have not explained how they concluded that I authorized these transactions, nor have they provided any documentation supporting their determination. I continue to dispute these transactions and request that Navy Federal provide the documentation relied upon in its investigation, including : The method of authorization for the transactions Any merchant verification obtained during the investigation Any device, IP address, or authentication data relied upon if the transactions were completed online Network authorization logs or other records supporting the conclusion that the transactions were authorized I respectfully request that this matter be reviewed again and that Navy Federal provide the evidence supporting its determination.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: MI

Complaint narrative:
I enrolled several cards in debt consolidation program, in XXXX of 2025 I was getting emails from XXXX XXXX XXXX card to settle myself for less than {$600.00}, around this time Americor sends me a settlement to pay off this card for around the same amount. I agree to the contract, I pay the settlement fees. In XXXX when I tried to close my account and just pay off the rest of the cards myself, I discover XXXX was never paid off, instead XXXX XXXX XXXX XXXX XXXX was paid off. I brought this to their attention and they have been researching this for the last 6 months with zero refund of fees/ misappropriated funds or resolution. Now the card has sold the account to law firm XXXX XXXX XXXX, and they have filed a law suit against me. Americor has not offered to help with this lawsuit, nor at this time are they willing to write a letter on my behalf to explain their mistake. On top of this they did not give me the correct payoff amount for my account when asked for it which resulted in an extra draft fee/ monthly maintenance fee which they have not refunded. In addition the guy who got me to sign up for the program, XXXX, used unethical practices to get me to sign up. I have paid thousands in fees for their professional services and the service I have received is anything except professional. I would also like reimbursed for the countless hours. Have spent on the phone trying to resolve this, as I have to retell my story to a new person every time I call, and most who say they will follow up do not follow up with me with calls back or responding to emails

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
On XX/XX/year>, an unauthorized XXXX XXXX account was created under my name without my consent. I do not know who created the account. On the same day, {$1300.00} was withdrawn from my Bank of America account and transferred to this fraudulent XXXX XXXX account. I immediately reported the transaction to Bank of America on XX/XX/year>. Bank of America stated that they would investigate and provisionally credited my account around XX/XX/year>. On XX/XX/year>, Bank of America reversed the credit, denied my claim, and passed the fees back to me. They provided no explanation, no documentation, no evidence, and no opportunity to review their findings. They also could not provide any information about the fraudulent XXXX XXXX account other than that it was created under my name, which confirms identity theft. Under the Electronic Fund Transfer Act ( Regulation E ), I am entitled to : a written explanation of why my claim was denied copies of documents used in the investigation evidence supporting their determination a good-faith investigation within required timelines Bank of America has not provided any of these. I am requesting the CFPBs assistance to : Require Bank of America to provide a written explanation of their investigation Provide evidence supporting their denial Reopen the claim and review under EFTA Reimburse the unauthorized transfer and fee reversals This was identity theft. I did not open a XXXX XXXX account and did not authorize this transfer. I am asking for the protections I am entitled to under EFTA. I have filed a police report with XXXX XXXX Police Department Case number is Case number is XXXX I have reached out to Cash App and they needed more information from me to pull up information on what cash app account the money was deposited to.

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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau Complaint Department Subject : Request for Review Fraudulent Transaction Denial by Chime To Whom It May Concern, My name is XXXX XXXX XXXX and I am writing to formally request a review of a fraud dispute involving my financial institution, Chime. I was the victim of a rental scam and lost {$1800.00} through a payment sent from my Chime account. On XX/XX/year>, I responded to what appeared to be a legitimate rental listing. I communicated with an individual identifying himself as XXXX XXXX regarding the property. During our communication, I was instructed to send a payment of {$1800.00} in order to secure the rental. I was directed to send the funds to a Chime account under the name XXXX XXXX. After the payment was sent, it became clear that the listing was fraudulent and that I had been deceived as part of a rental scam. I immediately contacted Chime and reported the transaction as fraud. However, my dispute was denied, and I was informed that because the payment was authorized, the bank could not reverse the transaction. This payment was made under false pretenses and as a direct result of fraudulent misrepresentation. I did not knowingly authorize payment to a legitimate landlord or verified property manager. I was misled by deceptive information provided by the individual posing as the property representative. Because the funds were sent to another Chime account holder, I believe there may still be an opportunity for Chime to investigate the recipient account and determine whether fraudulent activity occurred. I respectfully request that the Consumer Financial Protection Bureau review this matter and assist in ensuring that Chime conducts a full fraud investigation into this transaction. Thank you for your time and assistance in this matter. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation