vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
I am a licensed real estate agent listing agent acting as an authorized point of contact for the property owner XXXX XXXX of XXXXXXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX in connection with the failed residential real estate transaction. On XX/XX/year> the property was under a ratified contract with a qualified buyer ; however, the transaction was unable to close due to the issues related to a solar loan held or serviced by GoodLeap LLC. Specifically, the loan could not be satisfied, transferred, or assumed, which prevented the seller from conveying a clear and marketable title. The issue resulted in the loss of a valid home sale and caused financial harm to the seller. Additionally, as the listing agent, I experienced financial damages in the form of lost commission after fully performing my contractual duties. I am requesting that GoodLeap : -Provide a clear and actionable pathway to resolve, transfer or satisfy the loan -Clarify all restrictions related to payoff and transferability - Work towards a resolution that allows the property to be sold We have submitted a joint complaint to Goodleap for a resolution to this issue with no response for the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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 was paying my other property taxes, and I saw the property taxes on my new home was not paid. We reached out to Rocket Mortgage on XX/XX/XXXX to see what was going on. They said they would update us on XXXX. We let a few days go by and nothing got resolved. I have called a couple of times, and they told me it would take XXXX hrs to update the account. I called again on XX/XX/XXXX around XXXX : am and again they said they would take XX/XX/XXXX hours. I paid {$3700.00} at closing costs for cushion for taxes. On my documents it says {$470.00} will go to taxes each month. I see they don't have any urgencies to pay the taxes and its not fair since they are obligated to pay. I sent an email on XX/XX/XXXX to them asking for an update and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
On XX/XX/XXXX or XXXX I contacted Transworld Systems Inc. XXXX had informed me that they had a debt collection under my name. I asked for proof that the debt was legitimately mine. They told me that they will be requesting proof from XXXX but id have to wait XXXX to XXXX business days. Today XX/XX/year> I recieve the letter Via email. The email states my name the address where the XXXX was held and the amount owed. I expressed that this letter doesn't show proof that the debt is mine and it is attached to me. The agent then tells me that if I dont pay this will be forwarded to the credit XXXX and it will ruin my credit history. I asked again for proof that this bill is mine because I couldn't recall that address being mine. He went ahead and said " Okay will then ill claim it as fraud. '' I said why would I pay a bill thst might not be mine their can be XXXX of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Ace Customer Services, LLC
State: OK

Complaint narrative:
I am filing a complaint regarding unauthorized recurring debit card charges from a company identifying itself as Signature Servicing out of XXXX, XXXX. Transaction details : - Merchant description : SIGNATURE / XXXX XXXXXXXX - Amount : {$750.00} per month - Initial charge date : XX/XX/year> - Ongoing recurring charges despite cancellation attempts I initially enrolled in a credit card payoff assistance program with this company. However, I have made multiple attempts to cancel the service via email and phone with no success. Despite clearly revoking authorization, the company continues to charge my debit card monthly. The merchant name appears masked through a payment processor, making it difficult to identify or stop through normal banking controls. I have formally revoked authorization and notified my financial institution. Concerns : - Continued billing after cancellation requests- Failure to provide a clear cancellation process - Misleading or unclear transaction descriptors- Possible deceptive business practices Actions taken : - Multiple cancellation attempts directly with the company - Formal revocation of authorization - Requested my credit union block all future transactions - Initiated dispute for unauthorized charges Resolution requested : - Immediate cancellation confirmation from the company - Full refund of all charges after cancellation was requested - Permanent block of future transactions from this merchant or related processors - Investigation into business practices of this company This matter is urgent due to ongoing unauthorized withdrawals of {$750.00} per month. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I am filing this formal complaint against XXXX Bank for failing to conduct a good-faith investigation into unauthorized charges on my account, totaling {$850.00}, and for their subsequent denial of my dispute despite clear evidence of fraud. Timeline of Events : XX/XX/year> : I discovered my credit card was missing and immediately locked the card via the TD Bank mobile app. Upon doing so, I identified several unauthorized transactions already pending. Shortly after locking the card, I received a fraud alert from TD Bank regarding a new attempt. I responded " FRAUD, '' and the transaction was declined. I attempted to call TD Bank immediately. An automated message informed me that charges could not be reversed until they posted. Based on this instruction, I waited for the charges to transition from " pending '' to " posted '' before initiating a formal dispute. My initial dispute was denied. The bank 's reasoning '' Card was not utilized after you notified to close the card '' is logically flawed. The fraud occurred before the card was locked, which is the very nature of a lost/stolen card claim. I visited a local branch to request the " Summary Report '' or supporting documentation for the investigation. Branch staff confirmed there were no notes or evidence of any investigative steps taken by the claims team. I reopened the dispute and provided a police report and geodata/receipts proving I was not at the location of the fraudulent charges. On XX/XX/year>, TD Bank denied the claim again. Core Grievances : XXXX. Violation of Regulation XXXX : TD Bank has failed to provide a logical explanation for their denial. Their stated reason ( that no charges occurred after the report ) ignores the unauthorized charges that occurred immediately prior to the report. XXXX. Failure to Review Evidence : During a phone call on XX/XX/year>, a TD Bank representative explicitly stated that the bank " does not look at any supporting documents provided by the cardholder unless they specifically request it. '' XXXX. Inadequate Investigation : By their own admission, the bank refuses to consider evidence provided by the consumer ( police reports, location data ), which constitutes a failure to perform a " reasonable '' investigation as required by the Fair Credit Billing Act. XXXX. Bank failed to exercise reasonable care by ignoring red flags such as charges falling outside of my typical spending habits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My original mortgage was bought by Newrez in XXXX of XXXX. In XXXX of XXXX, my AC broke and a mold condition developed. The mold was remediated and an insurance claim was submitted. In XXXX of XXXX a premeditation settlement was made, and I received a payment that required the lienholder 's endorsement. I called Newrez and was told to forward the check with the adjustor 's report which I did in XXXX. After several weeks with no response, I phoned and was told that the check would be returned in a week or so. By the end of XXXX, I called again and was told the check had been mailed and for the first time I was told that a revised adjustor ' report was necessary. The Insurance company stated that there wasn't any and the XXXX XXXX they issued was the final report. After a 3-way call with the insurance company, Newrez and myself, Newrez agreed to accept and to return the newly issued check from the Insurance company via XXXX since the original check hadn't been received via regular mail. I received a new check and forwarded that to Newrez on XX/XX/XXXX. On XX/XX/XXXX, I received the original check from Newrez with a list of XXXX documents they wanted. Although that check was the original that was delayed, the list of requirements probably would have applied to the newly submitted check. Finally, despite stating that hey would XXXX overnight the endorsed check, the last I heard the check was sent regular mail

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 2026-04-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I have been attempting to resolve an issue with MOHELA since XX/XX/XXXX regarding XXXX payments that were not properly credited to my account in a way that reflects accurate interest calculations. I made XXXX payments of {$1000.00} each : XX/XX/XXXX XX/XX/XXXX I provided bank statements confirming both payments were successfully withdrawn from my account. However, MOHELA has not clearly demonstrated that my loan balance and accrued interest were properly adjusted. After nearly a year of follow-up, MOHELA issued a response dated XX/XX/XXXX, stating that these payments were applied as borrower cancellation payments, meaning they were applied retroactively to earlier dates tied to loan disbursement. However, I was never notified that this response was available. I did not receive any email, letter, or other communication directing me to review this message in my MOHELA account. As a result, I only became aware of this response on XX/XX/XXXX, approximately XXXX months later. This lack of notification significantly delayed my ability to respond or escalate the issue. Additionally, MOHELAs explanation still does not address my primary concern : They have not confirmed that my loan balance is accurate. They have not confirmed that interest was recalculated correctly after applying these payments. I am concerned I may have been charged interest on an incorrect balance. I have repeatedly received vague responses and extended timelines ( 3090 days ) without resolution. What I am requesting I am requesting that MOHELA : 1. Conduct a full review of my account and confirm that my loan balance is accurate. 2. Recalculate all accrued interest to ensure I was not charged interest on any portion of the loan that should have been reduced by my payments. 3. Correct any errors and apply appropriate adjustments, including refunding any excess interest charged. 4. Provide a detailed account history showing : Loan disbursement dates Payment dates and how each payment was applied Interest calculations before and after adjustments This issue has caused significant frustration and concern regarding the accuracy of my loan balance and whether I have been overcharged interest. The lack of notification regarding MOHELAs response further delayed resolution and prolonged this issue unnecessarily.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following accounts are being reported by XXXX XXXX XXXX and XXXX XXXX XXXX. These accounts appear to be related to a debt that was previously reported by another company and later removed from my credit report. Despite prior deletion, similar accounts with the same amounts are now being reported under different company names. This raises concerns regarding accuracy, duplication, and compliance with Fair Credit Reporting Act. I do not recognize these accounts and have not been provided with sufficient verification that these debts are accurate or legally enforceable. Under FCRA, you are required to ensure maximum possible accuracy of all information reported. I am requesting a full investigation of these accounts. If these accounts can not be properly verified, they must be deleted from my 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 explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year>, I requested a cash refund of my credit balance on my credit card account. On XX/XX/year>, the credit balance refund of {$570.00} was processed XXXX removed from my account. On XX/XX/year>, I was informed that a paper check had been mailed XXXX my address on file. By XX/XX/year>, I had not received the check XXXX contacted the company for the XXXX time regarding the missing refund. I was told XXXX allow XXXX business days for delivery. After more than XXXX business days passed without receiving the check, I contacted the company again on XX/XX/XXXX XXXX XX/XX/XXXX, formally requesting confirmation that the original check had not been cashed, a stop payment on the original check, XXXX reissuance of the refund. On XX/XX/year>, I was informed that my case had been forwarded to another department and that I would receive a response within XXXX business days. As of today, XX/XX/year>, I have not received any follow-up or resolution. It has now been nearly XXXX months since my refund was processed XXXX removed from my account, XXXX I have still not received the funds. The company has failed XXXX confirm whether the original check has been cashed, failed XXXX confirm that a stop payment has been placed, XXXX has not reissued the refund. I am requesting that the company immediately confirm the status of the original check, place a stop payment if necessary, XXXX promptly reissue my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Hanwha QCells USA Corp
State: MO

Complaint narrative:
I entered into a solar loan with EnFin that was sold to me by the installers salesperson as having a fixed monthly payment of approximately {$270.00} for the life of the loan. At no point during the sales process was I clearly informed that this payment was temporary, conditional, or subject to a target balance requirement that could increase my payment by over {$100.00} per month. In early 2026, my monthly payment increased from {$270.00} to approximately {$390.00}. This increase was a shock and directly contradicted how the loan was presented to me at the time of sale. I contacted EnFin to ask for an explanation and requested a reamortization of the loan based on the original payment expectation, citing sales misrepresentation and system performance issues. My solar system experienced inverter failures and nonproducing panels, and I continued making payments during periods when the system was not fully operational, which reduced my ability to realize expected savings. During my call, the representative stated there was nothing they could do and that the request could not be escalated to a supervisor or review team. I was told no alternatives were available other than temporary plans that would increase my longterm cost. My request for reamortization was effectively denied without meaningful review. I am requesting that the loan be reviewed due to misleading sales representations and lack of clear disclosure about the payment increase, and that a reasonable longterm resolution be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/year> I initiated a balance transfer of XXXX from my Citibank XXXX cart to XXXX XXXX XXXX. Despite my clear instructions, those funds were transferred to XXXXXXXX XXXX XXXX- an institution with which I have no relationship and to which I never authorized payment. Here are the transaction details Payment Amount {$2900.00} Payment Date : XX/XX/year> Customer ID : XXXX Trace ID : XXXX Funds Sent to XXXX XXXX XXXX ( INCORRECT ) I began calling Citibank customer service, billing and even the fraud dept immediately and many tickets and cases have been opened. I have been calling every Monday ( which is my day off ) since this happened. In each instance I have been provided only with a XXXX ID confirming the misdirected transfer and not a resolution. This response is unacceptable. Citibank originated this error. The funds were sent to the wrong financial institution through no fault of my own. The passage of time does not extinguish Citibank 's responsibility to recover and correctly route funds that were misdirected by your institution. I remain with {$2900.00} that I am rightfully owed.

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 2026-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am submitting this complaint regarding a delayed sign-up bonus ( SUB ) associated with my XXXX XXXX credit card, which I believe involves misleading promotional terms and unfair delay practices. On XX/XX/year>, I met the required spending threshold to qualify for the advertised sign-up bonus. My credit card billing cycle closes on the XXXX of each month, meaning I reached the requirement XXXX days after the XX/XX/XXXX closing date. On XX/XX/XXXX, my online account reflected that I had successfully met the spending requirement and indicated that the bonus would be awarded in the next billing cycle, which I reasonably understood to be XX/XX/year>. However, as of XX/XX/year>, the bonus has not been credited to my account. Upon contacting customer service, I was informed that the bonus will instead be issued after the following billing cycle, on XX/XX/year>. I have retained screenshots and records of both the account messaging and my communication with the company supporting this timeline discrepancy. I believe this situation reflects misleading or unclear promotional practices. Based on the information provided to me, I had a reasonable expectation that the bonus would be posted after the first billing cycle following completion of the spending requirement. Instead, the company is imposing an additional billing cycle delay that was not clearly disclosed at the time of the offer or during my account updates. This delay has caused tangible harm. I had planned to use these miles to book an international flight, and the failure to provide the earned bonus within the expected timeframe has prevented me from doing so, resulting in financial inconvenience and significant stress. I respectfully request that this matter be reviewed for potential violations of fair marketing and consumer protection standards. I am seeking : Immediate issuance of the earned sign-up bonus Review of the companys promotional disclosures and practices Any additional remedies deemed appropriate for the inconvenience and impact caused I am prepared to provide supporting documentation, including screenshots and communication records, upon request. Thank you for your time and consideration. 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 non-monetary relief
Consumer complaint received 2026-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NH

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent ana address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution prove was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress. for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian regarding their failure to properly investigate a disputed account. After submitting my dispute, Experian responded by indicating potential fraud and stated that they could not process the complaint through this channel. However, this does not resolve the dispute nor fulfill their obligation under the FCRA to conduct a reasonable investigation. This response appears to be a way to avoid addressing the actual dispute. Experian is required by law to investigate disputed information and ensure its accuracy. Redirecting or refusing to process the dispute does not meet this requirement.

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