vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: MortgagePros, LLC
State: KY

Complaint narrative:
I was in the process of an FHA fixed-rate refinance. I initially started working with XXXX XXXX but decided to switch to Mortgage Pros to complete the loan. To handle the transfer of the FHA appraisal, I gave Mortgage Pros my debit card information. Mortgage Pros took my card info and directly processed the {$720.00} payment to XXXX XXXX on my behalf to secure and transfer the appraisal into their system. Mortgage Pros successfully accepted the appraisal, processed my file, and officially scheduled a closing date to finalize my refinance. On the day of closing, Saturday XX/XX/year>, Mortgage Pros canceled the transaction. On Wednesday XX/XX/year> They stated they could not move forward or access any files because their internal computer network and system had completely crashed. Because of their internal operational and technical failure, they missed the closing deadline and failed to close my loan. Due to Mortgage Pros ' non-performance and system failure, the loan fell through and I have suffered a direct financial loss of {$720.00}. They were the ones who took my card information to handle the appraisal payment, and their system issues directly caused the transaction to fail. I am seeking a full reimbursement of my {$720.00} from Mortgage Pros.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing the accuracy and/or validity of this account. I have reviewed my credit report and believe that the information being reported is inaccurate and should be removed. Specifically, I am requesting verification and documentation supporting : The accuracy of the account information being reported. The ownership and authority of Portfolio Recovery Association to collect this debt. The balance, dates, and payment history being reported. Any documentation bearing my signature or demonstrating my legal obligation for this debt. If Portfolio Recovery Association can not provide sufficient documentation to verify the account and all reported information, I request that the account be removed from my credit reports and that any inaccurate information be corrected promptly. I am requesting a thorough investigation pursuant to applicable federal consumer protection laws and credit reporting requirements. Please provide me with the results of your investigation and copies of any documentation used to verify this account. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX my PayPal Debit Card began experiencing unauthorized transactions. The activity continued through the night and stopped around XX/XX/XXXX at approximately XXXXXXXX XXXX. The first unauthorized charge was {$50.00} at XXXXXXXX XXXX. Following that, there were multiple additional unauthorized transactions, including several high-value charges of up to {$250.00} each. The total amount of unauthorized transactions is {$1300.00}. These transactions were not authorized or initiated by me. During this time, some of the transactions were still pending. I contacted PayPal immediately and requested that the pending transactions be reversed or blocked to prevent further loss. However, I was informed that no action could be taken while the charges were pending and that I would need to wait to file a dispute after they completed. As a result, all of the unauthorized transactions were processed before my dispute could be fully addressed. I first became aware of the activity and formally reported it through PayPal around XXXXXXXX XXXX on XX/XX/XXXX, at which point I initiated disputes for all unauthorized transactions. All of the unauthorized activity appears to have originated from a compromised third-party account linked to XXXX, an application I am familiar with. I contacted the application directly regarding the issue, and my account with them was subsequently blocked. I also have supporting evidence, including emails and correspondence confirming this action. Despite reporting the issue promptly and attempting to prevent further loss while the transactions were still pending, my dispute was denied. I am requesting a full re-review of the unauthorized transactions, as I believe my PayPal Debit Card was compromised and the activity was not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CO

Complaint narrative:
I have been banking with Chime Financial since XXXX. I have had repeated unresolved customer service issues and the company moving funds without my permission, making withdrawals for security deposits and account merges without my consent or approval. When I call their customer service line, their customer service agents have terrible comprehension of English. No matter how many times I reach out for help or ask for a supervisor, I am continually transferred to another agent that doesnt speak English. Chime made a recent withdrawal from my checking account of {$100.00}. In the memo it was described as a security deposit. I made no such transaction. Not only were the agents blatantly ignoring my questions and not explaining the charge or issue but the agent cancelled my card, which I never asked for. He kept saying that he would dispute the charge as fraud even though I explained that the charge was made by Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I was XXXX from XX/XX/XXXX and was released on XX/XX/XXXX while in XXXX a lot of identity theft in my name was going on and now credit cards company is coming after me.i went to XXXX XXXX XXXX when i was XXXX XXXX on XX/XX/XXXX then was sentenced to XXXX in 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 2026-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
was an uninsured, self-pay patient at an XXXX I paid {$580.00} in cash upfront at the time of the visit. Lockhart , Morris & Montgomery has now placed a surprise {$930.00} collection on my credit report from an independent XXXX doctor, causing my credit score to drop XXXX points. This separate bill has no itemized breakdown and no CPT codes. Under the No Surprises Act, billing an uninsured patient $ XXXX over their expected cost without a Good Faith Estimate is a violation. Because the debt is unverified and violates federal medical billing protections, LMM is violating the FDCPA. I demand this collection be completely deleted from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am an XXXX XXXX member of the United States Military. Jefferson Capital Systems has a collection account on my credit report for {$1300.00} originally from XXXX Credit Card. I sent a debt validation letter via XXXX Certified Mail on XX/XX/year>2026 requesting validation of this debt. This collection is negatively impacting my credit report and my military security clearance process. I am working to resolve my financial obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding fees that Wells Fargo assessed on my business checking account without my knowledge or informed consent. When I opened this account in XXXX, I was advised that the minimum balance requirement was {$500.00}. I maintained my account based on that understanding. On XX/XX/XXXX, I noticed aXX/XX/XXXX monthly service fee. After reviewing my account history, I confirmed that my balance had never fallen below the original {$500.00} minimum requirement. Concerned, I contacted Wells Fargo customer service on XX/XX/XXXX. During that call, I was informed that Wells Fargo had increased the minimum balance requirement from {$500.00} to {$2000.00} and that the change allegedly took effect in XX/XX/XXXX. I was told that notice had been sent in XX/XX/XXXX. However, I never received any such notice and was completely unaware of this significant change. Upon further review, I discovered that Wells Fargo had already charged me the same {$15.00} fee in XX/XX/XXXX and XX/XX/XXXX, resulting in a total of {$45.00} in fees. Had I been properly notified, I would have either maintained the new minimum balance or explored alternative banking options. Increasing a minimum balance requirement by 300 % from {$500.00} to XX/XX/XXXXXXXXis a substantial change to the terms of an account. It is unreasonable to expect customers to discover such a material change only after fees have already been assessed. Financial institutions should take meaningful steps to ensure customers receive notice of major account changes before imposing penalties. Compounding the issue, I have been dealing with serious health complications throughout this year and have spent significant time in and out of hospitals. During this period, I relied on Wells Fargo to administer my account fairly and transparently. Instead, fees were charged based on a change I was never made aware of. I am requesting reimbursement of the {$45.00} in fees assessed as a result of this undisclosed change, as well as a review of Wells Fargo 's notification practices for material account modifications. Customers should be able to trust that they will receive clear and effective notice before being penalized for changes to account terms.

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 2026-05-31 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. they didn't follow the proper XXXXstep validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I'm a single mother doing everything I can to hold my life together, but lately it feels like I'm drowning. Everyday day is a struggle to make ends meet. I XXXX awake at worrying about bills, food and how I'm going to provide for my child. The stress is constant, and the weight of carrying everything on my own becoming harder to bear.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Transworld Systems Inc. ( TSI ) is attempting to collect a {$430.00} balance originally owed to XXXX XXXX. The underlying debt arose from XXXXXXXX XXXX XXXX XXXX failure to fulfill sales representations made by their authorized door-to-door representative, who promised XXXX XXXX XXXX would issue a gift card to cover my remaining XXXX balance upon switching wireless carriers. XXXX XXXX XXXX failed to honor that promise. On XX/XX/year>, an XXXXXXXX XXXX XXXX representative admitted on video recording that the original rep " didn't do the write-up '' for the program and " yeah he definitely screwed you over. '' I have preserved this recording. Arizona is a one-party consent state. I have not received proper validation of this debt under FDCPA Section 1692g. A formal written FDCPA validation demand is being sent to TSI via certified mail. The debt is in active dispute because it arose from documented deceptive sales practices, which are also the subject of complaints filed with the XXXX, FCC, and Arizona Attorney General Consumer Fraud Division against XXXX XXXX XXXX. XXXX has furnished a 30-day late, 60-day late, and " In Collections '' status on this disputed balance to multiple credit bureaus, causing a XXXX drop on my XXXX XXXX XXXX score and a XXXXpoint drop on my XXXX score. NOTE ON EVIDENCE : Video recording dated XX/XX/year>, showing an XXXX XXXX XXXX representative acknowledging the misrepresentation ( " He didn't do the write-up for you '' and " Yeah he definitely screwed you over '' ), is preserved and available upon request. The video file exceeds CFPB upload limits but can be provided directly to TSI, CFPB investigators, or any other reviewing party upon request via email to XXXX. TSI Reference : XXXX Original Creditor : XXXX XXXX Alleged Amount : {$430.00} Demand : ( 1 ) full validation of the debt, ( 2 ) cease collection per FDCPA Section 1692g ( b ), ( 3 ) retraction of all credit bureau furnishings until validation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
On XX/XX/year>, three shipments from merchant XXXX XXXX totaling {$180000.00} were falsely marked as delivered by XXXX at approximately XXXX XXXX. No packages were received. Security camera footage confirms no delivery occurred. The XXXX proof of delivery bears a forged signature that is not mine. All three shipments were designated Adult Signature Required, yet no ID verification was performed. I filed a police report with the XXXX Police Department the following morning ( XX/XX/year> ) documenting the theft and forged signature. I disputed all three charges with American Express. After investigating, American Express closed all three cases and rebilled {$180000.00} to my account, stating in writing that my dispute was " associated with a tort claim, which is specifically excluded from consumer credit law. '' This classification is incorrect. Non-delivery of goods is explicitly defined as a billing error under the Fair Credit Billing Act, 15 U.S.C. 1666 ( b ) ( 3 ). My dispute is not a tort claim. I sent a formal FCBA dispute letter to American Express via certified mail on XX/XX/year> citing the specific statute. Only after receiving that letter did American Express reopen the three cases. The disputes remain unresolved and {$180000.00} remains on my account. Additionally, the merchant has blocked access to XXXX XXXX delivery coordinates by marking the data confidential, preventing independent verification of the alleged delivery location.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I attempted to make a purchase with my debit card on XX/XX/year> and the purchase was declined. I attempted to log into my account and received a message there was a fraud alert. I contacted customer service, I went through the security verifications, and was told the fraud team was investigating my account. I have no access to my money and no way to resolve this immediately. I asked when this issue would be resolved and was not provided a time frame.

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 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NC

Complaint narrative:
Thank you for your correspondence regarding the closure of my XXXX XXXX Card account. I am writing to formally dispute the recent addition of this account to my XXXX credit report. This account was paid as agreed, and this entry was added approximately six months after the fact. This late and adverse reporting is inaccurate and appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the immediate removal of this entry from my XXXX credit report. Please be advised that I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) if this is not resolved promptly. Each violation of the FDCPA may carry statutory damages of up to {$1000.00} per violation, in addition to actual damages. I expect written confirmation of the removal within 30 days of this correspondence. Should this matter remain unresolved at that time, you will receive a formal certified letter initiating the statutory notice period prior to legal action. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On or around XX/XX/year>, Synchrony Bank closed my XXXX XXXX XXXX, PayPal Credit, and XXXX financing accounts. All closure letters cited activity on account ( XXXX ) with Synchrony Bank indicative of high risk of failure to pay. I have maintained a spotless payment history with no late payments, collections, charge-offs, or bankruptcies. My credit utilization is approximately 14 %, and my FICO scores remain in the mid-700s. The accounts were used responsibly and paid as agreed, including promotional balances paid within terms. I requested clarification regarding what activity caused Synchrony to determine I was a high risk of failure to pay, but no specific explanation was provided. I also contacted Synchrony Bank directly seeking clarification regarding these closures and the high risk of failure to pay determination. I was not provided a meaningful explanation or specific factors supporting the decision, and no advance warning was provided prior to the closure of the accounts. I also experienced a prior closure of a Synchrony XXXX XXXX account despite maintaining responsible payment history, which raises additional concerns regarding the consistency and accuracy of Synchronys internal risk determinations. I am requesting a detailed explanation of the factors used in this decision and review of any inaccurate internal risk characterization associated with my accounts.

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
The funds belong to me and originate from the closure of my Bank of America account. Bank of America issued a check that incorrectly includes my deceased grandmother as a payee. The bank requested an apostilled death certificate to correct the issue. I have repeatedly requested instructions on where to send the document, but the assigned specialist has not responded to emails or phone calls. I am concerned the check will expire due solely to Bank of America 's failure to communicate.

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 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
Mariner Finical, XXXX XXXX, XXXX, company was all include in XXXX XXXX bankrupt case XXXX years ago and should not showed up like i still owe since these case was XXXX in bankrupt court at that against the law do i need to pruse a attorney to look over this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
This debit card restriction has now been in effect for approximately three months. During this time, I have been unable to fully access the banking services that I depend on for my daily financial needs. My direct deposits are sent to this account, and many of my recurring bills are linked to my debit card. Because of the ongoing restriction, I have experienced significant financial hardship and have been placed at risk of late payments, service interruptions, and collection activity. Despite repeatedly contacting Navy Federal, explaining my circumstances, and providing supporting documentation, including police reports related to the fraud and theft I reported, the restriction remains in place. I have not been provided with a detailed explanation of the specific actions that Navy Federal believes constitute " Debit Card Abuse, '' especially when the disputes I filed were investigated and resolved in my favor. I respectfully request that Navy Federal provide a detailed explanation of the basis for this restriction, conduct a senior-level review of my account, and reconsider restoring my debit card privileges given the hardship this action has caused over the past three months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
PayPal let a {$1200.00} charge go thru my account from someone using my name but living XXXX miles away. WHOEVER ORDERED GOT IT. I reported it, which is almost impossible to talk to someone. I believe they did make a ticket but no word whatsoever what they are doing. I want my account closed and the {$1200.00} taken off my account. I am finished with these people. XXXX XXXX

Company response to consumer: Closed with monetary relief