vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> I did a XXXX transaction, its a customer to customer transaction with the XXXX XXXX platform and they sent me the information to whom to send the money. The amount was 230,000 and I followed all the instructions correctly, but it happened that the receiving bank froze the merchants account, the merchant is the person receiving the money. The platform allocated the deposit from the merchant to my account, but they dont let me withdraw funds from my account, my communication has been with the platform, but in the past weeks they dont answer to my questions, the last time I communicated with them they told me they were working with the bank on a recall, but my bank hasnt received anything

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 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
They are filing it under closed charged off without providing me with a XXXX which is tax fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
In XX/XX/year>, I entered into a {$49000.00} solar financing agreement through GoodLeap in connection with a solar installation arranged by XXXX XXXX. I relied on sales and financing representations that the system would be affordable and provide savings. The loan included a low initial promotional payment of approximately {$120.00} per month for the first 36 months. I did not clearly understand that this payment was temporary or that my monthly payment could significantly increase later if a large principal payment was not made. I also did not clearly understand that the loan structure depended on receiving and applying a federal solar tax credit or other lump-sum payment. I did not receive those funds and was not adequately informed about qualification requirements, how to claim the credit, or that failure to apply such funds could result in a much higher payment. After the promotional period, my monthly payment increased substantially to approximately {$300.00} per month. I also continue paying significant electric utility bills in addition to the solar loan, which is contrary to the savings expectations created during the sales process. I requested information and clarification regarding my loan documents, disclosures, and payment increase. I am requesting a full review of this transaction, copies of all related documents, and available options for relief or resolution. I am requesting review of this transaction and appropriate relief, including cancellation of the agreement if warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: AmWest Funding Corp.
State: CA

Complaint narrative:
I am a co-borrower on a mortgage loan serviced by AmWest Funding Corp. and remain fully legally liable for the loan. I am attempting to submit a court-issued Final Judgment ( divorce decree ) for inclusion in the loan file. However, the servicer has made this impossible because they only allow submissions through a registered email address or by phone. I do not have access to the registered email, and phone communication does not provide a method to securely submit or ensure retention of documentation. I have informed the servicer multiple times of this limitation and requested an alternative submission method as a co-borrower. However, I continue to receive the same repeated response without any workable alternative being provided. In addition, my former spouse previously contacted the servicer regarding the same divorce-related documentation and was informed that once the final court judgment is issued, it could be reviewed for inclusion in the loan file. Despite this, I have been unable to submit the same court-issued document through any available channel. As a result, I remain fully responsible for the loan but have no accessible or verifiable way to ensure that a relevant court order is properly recorded in the loan file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing a complaint regarding a billing dispute with Capital One related to a {$300.00} charge from XXXX on XX/XX/year>. I submitted a dispute with supporting documentation demonstrating that the service provided did not match what was agreed to at the time of purchase. Specifically, I was presented with flight details for travel on XX/XX/year>, and agreed to the purchase based on those dates. However, the ticket that was actually issued reflects a different travel date ( XX/XX/year> ), which was not what I agreed to purchase. I provided Capital One with documentation showing : - The originally presented flight details ( XX/XX/XXXX ) - The ticket actually issued ( XX/XX/XXXX ) - My immediate request for a refund due to the discrepancy - The merchants acknowledgment that my case was being reviewed without resolution Despite this, Capital One denied my dispute, stating that they did not have sufficient information to validate my claim. However, the documentation clearly demonstrates a discrepancy between the agreed-upon service and the service delivered. The issue is not a cancellation, but that the product provided did not match what was purchased. I am requesting that Capital One explain specifically what information was lacking and how the provided documentation was insufficient to validate a clear mismatch in service. I am also requesting that this dispute be re-evaluated, as the evidence provided demonstrates that the service delivered was not as agreed at the time of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
Description of Issue : I am reporting First Citizens Bank for multiple RESPA/Regulation X violations regarding Mortgage Loan ending in XXXX. XXXX. Failure to Acknowledge/Respond to Notice of Error ( 12 CFR 1024.35 ) : On XX/XX/year>, I sent a formal Notice of Error ( NOE ) and Request for Information via certified mail ( Received XX/XX/year> ). The bank failed to provide written acknowledgment within the required XXXX business days. Despite my delivering a digital copy to a Loss Mitigation XXXX on XX/XX/XXXX, the bank has ignored the request and remained silent. I have sent multiple follow-up emails to the XXXX to request a status update, including a final inquiry on XX/XX/XXXX, but the bank has remained completely silent and failed to respond. XXXX. Bad Faith Deadlines and Misleading Information : The bank issued a modification approval on XX/XX/year>, requiring title clearance within XXXX days. Due to mail delays, I did not receive the letter until XX/XX/XXXX, effectively cutting my window to XXXX days. When I called to seek clarity, I was met with conflicting and stressful deadlines from various agents ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), preventing me from making informed decisions. On XX/XX/year>, I submitted a complete second loss mitigation application ( via XXXX ) including a " Statement of Administrative Necessity '' and an active MLS listing ( # XXXX ) for a private sale. As of XX/XX/XXXX, the bank has failed to acknowledge this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Massachusetts Housing Finance Agency (MassHousing)
State: MA

Complaint narrative:
I am writing regarding my mortgage loan ( Account # XXXX ) for the property located at XXXX XXXX XXXX, XXXX, MA XXXX. After reviewing my loan details, I have determined that my loan reached 78 % loan-to-value ( LTV ) based on the original amortization schedule approximately between XXXX and XX/XX/XXXX. Under federal law ( Homeowners Protection Act ), private mortgage insurance ( PMI ) is required to be automatically terminated once the loan reaches 78 % of the original value, provided the loan is current. However, based on my review, it is unclear whether PMI was properly terminated at that time. Additionally, I am currently unable to access any mortgage statements, payment history, or account activity prior to XX/XX/XXXX through your online system. This lack of access prevents me from verifying payment application, escrow activity, and PMI-related charges over a significant portion of my loan history. Given these issues, I am formally requesting the following : 1. The exact date my loan reached 78 % XXXX based on the original amortization schedule 2. The date PMI was terminated ( if applicable ), or an explanation as to why it was not 3. A full payment history from loan origination ( XX/XX/XXXX ) to present 4. A complete record of all PMI charges assessed and collected over the life of the loan 5. Immediate restoration of access to all historical statements and account records prior to XX/XX/XXXX If PMI was not terminated in accordance with federal requirements, I request a full review and reimbursement of any improperly collected PMI payments. Please treat this as a formal request for information and error resolution under applicable federal servicing and credit reporting laws. I look forward to your prompt response. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Company : Navy Federal Credit Union Product : Auto Loan Issue : Loan servicing / documentation requirements/ potential credit impact Complaint : I am filing a complaint regarding Navy Federal Credit Unions handling of documentation related to my auto loan and their threat of potential negative account impact due to circumstances outside of my control. Navy Federal has required that I provide a lien-recorded title as proof of ownership and lien status . In response, I provided my official California DMV registration, which clearly identifies Navy Federal Credit Union as the lienholder. This registration is generated directly from the DMVs title record system and reflects the current lien status on file. Vehicle Information : - Year/Make/Model : 2021 XXXX - XXXX : XXXX Despite this, Navy Federal has refused to accept the registration and continues to require a lien-recorded title document. The title for my vehicle is held electronically through the DMV, and any delay in producing a lien-recorded title is dependent on state processing and not something I can directly control or expedite. I have made multiple good-faith efforts to comply with their requests and have provided all documentation reasonably available to me. However, Navy Federal has indicated that failure to provide this specific document may result in negative consequences, including potential changes to my loan terms or adverse credit reporting. I believe this is unreasonable given : - The DMV registration already confirms lienholder status - The requested document is subject to external processing delays- I have acted promptly and in good faith throughout

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: FL

Complaint narrative:
The disputed accounts appearing on my report include : XXXX XXXX XXXX XXXX opened XX/XX/XXXX with charged-off balance approximately {$1700.00} XXXX Card opened XX/XX/XXXX with charged-off balance approximately {$9200.00} XXXX Card/ XXXX XXXX opened XX/XX/XXXX with charged-off balance approximately {$470.00} XXXX / XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX XXXX collection account approximately {$1900.00} allegedly tied to a disputed XXXX account Portfolio Recovery Associates collection account approximately {$1600.00} allegedly tied to a disputed XXXX account These items appeared on my XXXX credit report dated XX/XX/XXXX. I also noticed multiple name variations and numerous addresses on the report, some already marked under dispute, which raises concern regarding inaccurate personal identifiers, mixed-file reporting, or unauthorized account activity. After discovering these issues, I began disputing the accounts and requesting investigations. These disputed items are causing immediate financial harm because they have delayed my ability to start employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: RENASANT CORPORATION
State: GA

Complaint narrative:
I am filled a complaint with Renasant XXXX who merged with XXXX Bank XXXX XXXX XXXX regarding status of my CD at branch XXXX in XXXX GA. I talked with the branch manager XXXX XXXX XXXX regarding my CD ( XXXX ) XXXX. XXXX responded to my complaint # XXXX with false information regarding I did not submit a change of address, and/or my wife may have closed the account. Additionally, I provided documentation that I did in fact submit an address change in the form of a letter from XXXX Bank XXXX XXXX XXXX dated XXXX XX/XX/XXXX, which clearly depicts my current address. Lastly, I provided an update document from XXXX Bank XXXX XXXX XXXX, dated XX/XX/XXXX that depicted my CD balance of {$2100.00}. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: WI

Complaint narrative:
I am the account holder of a XXXX credit card ( account ending XXXX ) serviced by OneMain Financial and issued by XXXX. On XX/XX/year>, I sent a written request to OneMain Financial / XXXX requesting that this account be reissued with a new account number, not merely a replacement card on the existing account number, as a protective measure against a documented merchant fraud pattern. The merchant at issue, XXXX XXXX, has demonstrated across multiple of my accounts a pattern of cycling through stored payment credentials to process unauthorized charges, including charging locked cards, initiating new transactions after a formal cease and desist notice, and retrying charges with corrected expiration dates. Active regulatory matters on the underlying Sezzle pattern include CFPB Complaint XXXX XXXX, XXXX, and XXXX, and FDIC Case XXXX. XXXX and XXXX, all involving XXXX unauthorized XXXX transactions with a net disputed amount of approximately {$2800.00}. When I called OneMain 's customer service line to request a protective reissue with a new account number on the XXXX card, the OneMain representative refused, stating that the card would not be reissued absent a transaction to dispute. OneMain did not escalate the request, did not acknowledge the documented cross-institutional pattern, and did not distinguish between OneMain 's servicing authority and XXXX 's issuer authority. No written policy was provided. As the servicer and the entity with direct consumer interaction on this account, OneMain is the only party the consumer can reach. OneMain 's refusal, without documentation of the policy basis or escalation path, forecloses the consumer 's only practical avenue for protective credential rotation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
" I reached the XXXX threshold for IDR discharge in XX/XX/XXXX. My NSLDS file ( Page 44 ) proves my repayment began on XX/XX/XXXX. My servicer, Nelnet ( Account XXXX ), misclassified my request as a credit dispute on XX/XX/XXXX and disconnected my call when I tried to fix it today. I have an open FSA Case # XXXX. I need an immediate Administrative Forbearance to stop my {$1200.00} payment due on XX/XX/XXXX while my discharge is finalized. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I have finished my XXXX at XXXX and i am currently overseas. Wells Fargo would not enable closing this account from their online banking.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: CA

Complaint narrative:
Company reported inaccurate account activity attributable to me regarding a joint account. Contacting the institution is impossible. The published phone number for Consumer Bureau Dispute Handling lands at the lowest level of customer service. Agents from there forwarded my calls to a half dozen different destinations over a dozen call attempts. Finally, a representative from the Fraud and Dispute team provided a mailing address and fax number to contact the Consumer Bureau Dispute Handling group. The fax number has been unreachable for 2 months even after I reported this back to the institution. I mailed the dispute request 4 weeks ago and have received no response. Institutions that report to the bureaus must provide avenues for dispute but this institution has completely failed in this regard.

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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Netspend Corporation
State: CA

Complaint narrative:
* * Complaint Against Netspend Unauthorized Forced Debit Transaction * * I am filing a complaint regarding an unauthorized transaction and lack of access to my paycheck funds. I receive my pay through my Netspend account. On XX/XX/XXXX, I went to a check-cashing location in XXXX, XXXX where XXXX normally withdraw money. The merchant attempted to run my debit card, and I was told the transaction was declined. Despite this, the merchant forced the transaction. I did not receive any cash, goods, or services. However, the transaction later posted to my account for {$1700.00}. This caused my account to become negative ( approximately - {$1800.00} ). I never authorized an overdraft, and I did not receive any funds from the merchant. I contacted Netspend immediately and have called multiple times. Each time I was told that an investigation is pending and that I must wait. I explained that this is my paycheck and that I have bills due, and requested a provisional credit during the investigation, but no temporary credit has been provided. This situation is causing financial hardship. This appears to be a forced offline debit processed by the merchant after the card declined. Because I received no cash and did not authorize the transaction, I believe this is an unauthorized transaction or merchant error. I am requesting that Netspend : 1. Provide an immediate provisional credit for the disputed amount 2. Reverse the unauthorized transaction 3. Remove any negative balance or fees 4. Provide documentation showing how the transaction was processed 5. Expedite the investigation due to financial hardship Transaction date : XX/XX/XXXX Location : Check cashing business in XXXX, XXXX Transaction amount : {$1700.00} Resulting balance : approximately - {$1800.00} Issue : Forced debit after decline, no cash received This is my paycheck, and I need access to these funds for essential bills. I am requesting urgent assistance and a provisional credit while the investigation is pending.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX i got a notification that I got a hard inquiry on my credit report. I recently applied for a new job that was going to be doing a full credit report/background check. So I assumed it was from that company. And then 2 days ago I recieved a Capital One credit card i didn't apply for. Capital one was also the name who did the hard inquiry. About 4 days ago I recieved something from XXXX Bank saying they denied an application because they thought it was fraudulent. Capital one was unable to close the account due to an investigation but did but a hold or freeze on the card so no charges can happen. And I was unable to get anyone on the phone for XXXX Bank. I plan on going into a XXXX Bank to speak to a live person

Company response to consumer: Closed with non-monetary relief