vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Submitted a lawsuit against me through a third party that I didnt consent my information with. XXXX XXXX {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Truist Bank regarding misleading disclosures during their mobile deposit process and the placement of an undisclosed administrative hold on my deposit after submission. Please note that this complaint is also being submitted to the Office of the Comptroller of the Currency ( OCC ). On XX/XX/year>, I deposited a payroll check totaling {$1900.00} using the Truist mobile banking application. The check was issued to my husband through XXXX and signed over to me after his direct deposit failed due to an employer account entry error. Because he had not been paid for nearly three weeks, these funds were urgently needed to pay our mortgage, which is already past due. During the mobile deposit process, the application required images of both the front and back of the check. The image of the front was verified and approved I was shown multiple screens clearly stating that standard availability applied, indicating funds would be available the next business day for deposits submitted before XXXX XXXX EST The final confirmation screen indicated a successful deposit and again referenced standard next-day availability At no point during this process was I informed that a hold would be placed on the funds. Immediately after submission, I received a push notification and email indicating that : The full deposit of {$1900.00} was placed on hold Funds would not be available until XX/XX/year> The reason cited was prior overdraft activity within the last six months Why This Is Misleading and Unfair? While Truists account agreement allows the bank to place holds under certain circumstances, those policies do not justify misleading or incomplete disclosures. In this case, Truists system had sufficient information to determine and apply the hold immediately after submission ; However, it failed to disclose that hold during the deposit process. Instead, it repeatedly represented that standard next-day availability would apply This created a false and misleading expectation, and I relied on that information in making the deposit decision. Consumers must be provided accurate funds availability information before finalizing a transaction, not after it is completed and irrevocable. I contacted Truist immediately. Representatives initially stated they could not see a hold. I was later told the hold was placed automatically and could not have been known beforehand This explanation is inconsistent and not credible, given that the hold was applied immediately upon submission. This issue has caused significant financial harm. I was unable to access funds needed to pay my already-late mortgage. I may incur additional late fees or penalties. I relied on Truists representations regarding availability when making the deposit

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 2026-05-21 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: VA

Complaint narrative:
I continue to receive periodic mortgage statements from NewRez for a former client I represented. I have contacted NewRez several times to send all statements and documentation to my former client but they continue sending them to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: DE

Complaint narrative:
Constant texts during daytime hours after reporting it as spam

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I was issued an XXXX check from PNC via a company I worked for ( XXXX Mortgage ). The check was issued on XX/XX/XXXX - and never cashed or direct deposit by me. Due to several life changes beyond my control, I had not cashed the check. On XX/XX/XXXX, I contacted PNC and spoke with an agent who on the recorded line advised the check had in fact had NOT been cashed ; this same agent walked me through how to update my mailing information on their website so that the check could be reissued and mailed to my updated mailing address. Since I had not heard back from PNC and or received the reissued check - I contacted PNC on XX/XX/XXXX ; the first agent that answered stated that PNC had images that the check was cashed, I then asked to speak with a supervisor. I explained my pervious call on XX/XX/XXXX and asked that the call is pulled as it will validate my stance. XXXX XXXX ( supervisor ), " pulling the call would not matter, as their system shows the check cashed '' ; the call was never pulled. I then asked XXXX to provide me proof of the cashed check via email and ( to-date ) that has not happened. On XX/XX/XXXX ; after I had not heard back from XXXX - XXXX called again and spoke with another supervisor by the name of Al. Al also advised the check had been cashed but could not provide proof, I advised Al that I was still in physical possession of the check. He asked that I allow PNC until the end of the month as they were backlogged in their imagining department at that time, but they will produce the " cashed check image ''. On XX/XX/XXXX ; I have a voice message from Al asking for me to contact him back as he had an update on the status of the escalation. I immediately called back ; however, Al was unavailable- but the agent that answered read me his notes and it explained that PNC 's system does not go back past 5 years and that they did not have the image of the cashed check. I then inquired with the agent that I was speaking with, what happens in this situation and if Al could give me a call back ; to-date I have NOT received a call from Al regarding this matter. I then conducted my own researched regarding the matter and issued a complaint letter sent via certified mail/confirmed signature on XX/XX/XXXX - with a deadline of XX/XX/XXXX, to PNC. On XX/XX/XXXX ; I started to receive emails from PNC - first from XXXX who provide the same exact copy of the check I had previously provided PNC ; only this time the check somehow has a JPMC stamp on the back of the check. I responded back to XXXX ( all of my evidence is attached ). On XX/XX/XXXX ; I received an email from XXXX XXXX stating the check was cashed and posted on XX/XX/XXXX - I also responded to XXXX XXXX. Lastly, I received an email from XXXX XXXX to whom I did not respond as they were unable to show me actual proof of the cashed check ; this same check that is still in my possession as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I noticed a random charge on my BestBuy Citibank statement. One was the interest which is fine but another charge was XXXX ( XXXX Protection ). I have no idea what this is. I looked on BestBuys site to see purchases to see if I bought something by that name. Found nothing. So I started looking at every statement that was available for me and saw that Ive been charged around {$40.00} a month for this thing I had no idea I was paying for. The first time I saw the charge was XX/XX/XXXX. Thats a total of {$830.00} in fees for something I wasnt even aware I was signed up for. I called BestBuy and Citibank BestBuy and they told me this was enrolled the day I opened my card ( XX/XX/XXXX ). So there is a chance Ive paid a lot more than {$830.00} since my account has been opened. I had them cancel my debt protection as of XX/XX/XXXX and they said they will submit my request for review and itll take up to XXXX to determine if they will refund me all the money I paid or if they decide to reject it.

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 2026-05-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
My concern is that Huntington bank ATM machines ARE ALWAYS OUT OF ORDER. It is frustrating to say the least. It is an ongoing problem that they don't seem to care about at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: LA

Complaint narrative:
I am submitting this complaint regarding a medical collection account that is being reported on my credit report. I dispute the accuracy and validity of this account and request that it be fully investigated and removed from all credit reporting agencies if the company can not provide proper verification. I was not properly notified of this debt before it was placed into collections, and I do not believe the account has been reported fairly or accurately under the Fair Credit Reporting Act ( FCRA ). This negative item has caused damage to my credit profile and ability to obtain fair credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I was experiencing hardship and fell behind on my payments. I went through continuing to pay as long as I could. I fell behind and sent in paperwork for hardship assistance. They never acknowledged my application and continued with a foreclosure process. I filled out and sent in another hardship application although they had already started foreclosure process. I spoke to them letting them know I was going to catch up payments. I never received anything from attorneys nor was I served anything. I did what I said I would do as far as catching up payments but they continuously added attorney fees that I do not feel I should be charged with. I feel this is predatory and they also will not grant hardship application to try to help me during this hardship Ive experienced. Ive paid all missed payments exactly like I said I would. The fees and late payment fees and attorney fees have increased and they have done nothing to try to help me. I know they want to take my home it is worth 3xs what I owe. They wish to make a profit and to benefit from my situation instead of trying to help me or to understand my problems and current situation. The only thing owed is the predatory attorney fees and late charges. If they had processed and granted my hardship application instead of starting a foreclosure there would not be any attorney fees. By them ignoring my first hardship application has resulted in this situation. When I filled out another hardship application I sent it in 10 times to various different people within Pnc by email, mail, and fax and online. I have never had any contact with my assigned case person. She has never returned my calls or reached out to me. My calls would not go through. They also changed my online banking to where I could not make payments the way I had previously. I had to send the payments I had missed and currents payments directly through my XXXX XXXX XXXX account instead of via my PNC account. This interfered with payments being directly received. I also have found a lower home owners insurance policy that will lower my escrow to better help me financially as well. I do not feel XXXX XXXX protections have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: GA

Complaint narrative:
I initially completed my PSLF application in XX/XX/XXXXXXXX ; however, my records were not updated until XX/XX/XXXX. During that time, I made numerous attempts to contact MOHELA customer service from XXXX through XXXX, but I was repeatedly unable to get through to a representative. When I finally reached customer service in XX/XX/XXXX, we reviewed my account and discovered that the timeline associated with my application was incorrect. Unfortunately, MOHELA representatives could not clearly explain what had happened or why my records had not been properly updated. Over the following weeks and months, I continued contacting MOHELA regarding additional issues with my payment history and account records. My payments appeared to be misaligned, despite my long-term employment with the same qualifying employer and my employment status being certified as eligible. I repeatedly sought clarification regarding these discrepancies, but I was unable to receive a satisfactory explanation. Throughout this process, MOHELA frequently referred me to Federal Student Aid for answers. However, because MOHELA services my loans, Federal Student Aid was unable to address several of my account-specific concerns, leaving me without clear guidance or resolution. This entire process has been extremely frustrating, confusing, and overwhelming. I have spent a significant amount of time attempting to correct errors and obtain accurate information regarding my PSLF status, yet I continue to experience issues with communication, record accuracy, and accountability.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
I have looked on my credit report and have been alerted from a collections agency called BOUNCE AI INC. This seems to be an AI company trying to get money from me and making my credit score go down. Can you please look into this and wipe it from my account as I do not own this debt. I owned debit with another agency that got wiped. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I am submitting a complaint regarding inaccurate and misleading information being reported on my consumer credit file. After reviewing my credit reports and the attached dispute letters, I identified multiple accounts reporting late payments, collections, and/or charge-offs that appear inaccurate, incomplete, misleading, or unverifiable. Pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of all information reported. Additionally, under 15 U.S.C. 1681i, disputed information must be properly investigated and corrected or deleted if it can not be verified with complete accuracy. These inaccuracies may be connected to compromised consumer information and recent data breach activity affecting financial institutions, furnishers, and consumer reporting systems. Because of these concerns, I am requesting a lawful reinvestigation of all disputed accounts referenced in my attached correspondence. The late payment reporting appearing on certain accounts does not accurately reflect my records and is unfairly damaging my credit standing. Additionally, the collections and charge-off accounts being reported appear inaccurate, misleading, duplicated, incomplete, and/or unverifiable. The continued reporting of this derogatory information is causing significant financial harm.

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 2026-05-21 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am filing this complaint regarding Chases refusal to honor a promotional offer tied to XXXX transactions, despite my meeting the stated requirements and providing evidence of compliance. Earlier this year, I enrolled in a Chase/XXXX promotional offer on two separate Chase cards. The offer terms stated that after enrollment, I would receive a {$5.00} enrollment credit and an additional {$50.00} statement credit after completing XXXX qualifying XXXX transactions totaling {$100.00} or more. I completed the required qualifying transactions through XXXX using XXXX checkout on both cards. The XXXX order confirmation and checkout page clearly indicated that the transactions were processed through XXXX. However, only XXXX of my cards received the initial {$5.00} enrollment credit, and neither card received the promised {$50.00} promotional credit after the qualifying transactions were completed. I contacted Chase customer service, and a case was opened under reference number XXXX. Over the course of more than XXXX months, I spent significant time following up through phone calls and secure messages as instructed by Chase representatives. Eventually, Chase responded by stating they could not determine whether I used XXXX for the transactions and therefore concluded that the terms and conditions were not met. This explanation is unacceptable because : The transactions were completed through the XXXX checkout flow. The merchant checkout confirmation explicitly showed XXXX as the payment method. Chase took over XXXX months to investigate and still failed to properly review the evidence. Chase provided inconsistent handling, since one card received the enrollment credit while the other did not, despite both being enrolled and used similarly. I believe Chase failed to properly track or process eligible XXXX transactions and is unfairly denying the promotional credits despite my compliance with the offer requirements. I am requesting that Chase : Honor the promotional terms and issue the promised {$50.00} statement credit ( s ) for the eligible card ( s ) ; Correct any enrollment tracking errors related to the Paze offer ; Provide a clear explanation of how Chase determines whether a transaction qualifies as a XXXX transaction ; Improve its dispute handling process, as this matter required more than XXXX months of follow-up with no meaningful resolution. I can provide supporting documentation including : Screenshots of the promotional offer terms ; Newegg checkout/order confirmations showing XXXX usage ; Secure message correspondence ; Reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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