vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: NEXA Mortgage, LLC
State: GA

Complaint narrative:
Complaint Against NEXA XXXX Regarding Closing Delays and Resulting Financial Harm Property : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This complaint concerns delays during the closing process caused by document errors and delayed correction of those errors by NEXA XXXX, which resulted in significant out-of-pocket expenses. This transaction involved a mail-away closing. During the closing process, the lender prepared documents containing errors that required correction and reprocessing. We were informed that the correction process took approximately five hours to complete. Because the errors were not corrected in a timely manner, the XXXX shipment deadline was missed and the documents did not go out until the following day. This delayed the funding timeline and postponed completion of the transaction. Although documents were signed earlier in the process, no funding occurred and we were unable to take possession of the new property until Wednesday, when funding was finally completed. We did not receive keys or access to the property prior to funding. The lender has attempted to characterize the matter as the seller declining an early closing. This is inaccurate. We did not decline early closing. A separate request was made for temporary occupancy through Monday afternoon, which was unrelated to the lenders obligation to timely prepare and process accurate closing documents. We also have written documentation regarding communications from XXXX XXXX of NEXA XXXX during the transaction, including statements suggesting that the loan documents could be redrawn and reprocessed, which would have further delayed the closing, following comments from the broker regarding NEXA XXXX covering expenses associated with the delays. Additionally, the communication reflects that the decision regarding whether documents would be redrawn and reprocessed was deferred to the buyers real estate agent rather than being handled solely within the lenders processing and closing functions. Copies of these communications are attached as supporting documentation. As a direct result of the lenders delay in correcting document errors and the resulting missed shipment and funding delays, we incurred the following out-of-pocket expenses : Builder extension/per diem fees : {$100.00} Storage expenses : {$210.00} Additional moving and storage-related labor : {$1500.00} XXXX XXXX expense : {$92.00} Total documented damages : {$1900.00} Receipts and supporting documentation are attached, along with communications related to the transaction timeline and delay. Despite multiple attempts to resolve this matter directly with NEXA XXXX, the lender denied responsibility and failed to address the documented processing delays and resulting financial harm. I am requesting review of the handling of this transaction and reimbursement for the documented expenses incurred as a direct result of these delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this formal complaint against Bank of America regarding an unauthorized and non-transparent interest charge of {$63.00} applied to my account on XX/XX/year>. Despite paying my previous statement balance in full before the due date, I was penalized with interest fees that were not clearly disclosed in my cardholder agreement. Timeline of Events : XX/XX/year> : I completed a payment of {$1300.00}, satisfying the full remaining statement balance. XX/XX/year> : My official statement due date. I had an autopay of {$49.00} which was also successfully processed. XX/XX/year> : Following the full payment of my statement, I made new purchases totaling {$2300.00}. XX/XX/year> : Bank of America assessed an interest charge of {$63.00}. Upon contacting customer service, I was informed that interest was charged because new purchases were made in the three-day window between my due date and my statement closing date. This practice contradicts the standard industry expectation of a " Grace Period ''. Per Bank of America 's own general terms, interest is typically not charged on purchases if the entire balance is paid by the due date. I believe the bank failed to provide clear and conspicuous disclosure that a " secondary '' interest trigger exists for purchases made immediately following a full balance payment but before the cycle close. I request a full refund of the {$63.00} fee and ask that the CFPB urge Bank of America to update their cardholder disclosures to prevent other consumers from being similarly misled.

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am reporting PayPal for an illegal delay and failure to resolve a refund dispute ( XXXX XXXX XXXX XXXX {$1700.00}. The return consisted of XXXX separate packages, both sent using prepaid return labels provided by the merchant ( XXXX ) Both packages were accepted by XXXX but were subsequently lost in transit by the carrier. Since I used the merchant 's own shipping labels, the legal liability for the loss lies with XXXX, not the customer. The merchant defaulted on their response deadline on XX/XX/XXXX Despite the merchant 's default, PayPal has delayed the resolution over XXXX times. Support agents ( XXXX, XXXX, XXXX, XXXX ) repeatedly provided false resolution dates ( XX/XX/XXXX, XXXX ). As of today, the system date has been pushed to XX/XX/XXXX. PayPal is using the carrier 's failure as a tactic to indefinitely withhold my funds, which is a violation of Regulation E. Additionally, support agents consistently ignore escalation requests I am providing the tracking numbers ( XXXX and XXXX ) for the prepaid return labels issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: AZ

Complaint narrative:
I am filing this complaint regarding excessive and unreasonable fees being charged on my credit card account, including annual fees and recurring monthly fees that I believe may constitute unfair, abusive, and deceptive practices under federal consumer protection laws. Despite already being charged extremely high interest rates, the creditor continues imposing excessive fees that create an unreasonable financial burden. I contacted the company directly in good faith and requested a waiver, reduction, or reasonable accommodation concerning these fees due to hardship and the disproportionate cost structure of the account. My request was denied without meaningful review or reasonable assistance. I believe the companys conduct may violate provisions of the Consumer Financial Protection Act prohibiting unfair, deceptive, or abusive acts or practices ( UDAAP ), including 12 U.S.C. 5531 and 5536. Additionally, the excessive and recurring nature of these fees may be inconsistent with the spirit and intent of the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), which was enacted to promote informed use of consumer credit and protect consumers from unfair credit billing practices. Further, I believe the companys actions may violate applicable state consumer protection statutes, including unfair or deceptive acts and practices laws, by imposing excessive fees while failing to reasonably accommodate consumers who attempt to resolve the matter directly. I respectfully request the following resolution : XXXX. Immediate waiver and refund of all excessive annual and monthly fees charged to the account ; XXXX. Removal or reduction of future recurring fees ; XXXX. A full investigation into the fairness and legality of the fee structure imposed on this account ; XXXX. Written documentation explaining why my request for assistance or hardship accommodation was denied ; and XXXX. Correction of any negative account impact resulting from these disputed fees. I attempted to resolve this matter directly with the creditor before filing this complaint, but no fair or reasonable resolution was offered. I am requesting the CFPBs assistance in ensuring compliance with federal consumer protection laws and obtaining an equitable resolution.

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 2026-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
I am filing a complaint regarding continued collection activity on a medical debt that has already been paid in full. The account associated with XXXX XXXX XXXX XXXX XXXX XXXX. The account was previously placed with XXXX XXXX, and I was later informed via mail that it had been recalled. The account has now been reassigned to Consumer Adjustment Company , Inc. ( XXXX ), which is continuing collection efforts despite the balance already having been paid. I confirmed with XXXX XXXX that the payment was issued and processed for this balance. I was provided the following payment details : Payment Issued : XX/XX/year> Payment Cashed : XX/XX/year> Ref ID : XXXX Check Number : XXXX Despite confirmed payment, the account continues to be treated as an outstand debt and remains in collections. I have attempted to contact the provider and obtain clarification, but have been unable to reach anyone to resolve the matter. I believe continued attempts to collect a debt that has been paid are improper and require immediate investigation. If you require more documentation, I am able to provide via email- I was having issues uploading more than one attachment. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened the Best Buy credit card to purchase appliances approximately four years ago because I was told at the store that I would have no interest for 24 months. Based on that explanation, I understood that I would simply need to make my payments over the two-year period without being charged interest. At no point was it clearly explained to me that if the full promotional balance was not completely paid off by the end of the 24 months, I would be charged retroactive interest on the entire original balance going back to day one. If I had been clearly informed of that, I would never have opened the account or agreed to those terms. After the promotional period ended, I was hit with extremely high interest charges that caused my balance to increase significantly. Instead of being close to paying off the account, the deferred interest and additional fees pushed the balance over the credit limit. I feel this was misleading and unfair because the financing terms were not properly explained to me at the time of purchase. I am requesting a full review of the account, a detailed explanation of all deferred interest charges, and consideration for removing or significantly reducing these charges due to the misleading way the financing was presented. I entered this agreement in good faith based on what I was told in the store, and I would like a fair resolution.

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 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Asset Recovery Solutions, LLC
State: CA

Complaint narrative:
On XX/XX/year> XXXX and XX/XX/year> asset recovery solutions keeps calling me and leaving voicemails but in the voicemails they do not identify what company they are or what they are trying to to do they only state there name and to give them a call back with a number no company name. The only reason I know its them by doing a reverse number look up

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: American First Finance, Inc.
State: IL

Complaint narrative:
To : XX/XX/176 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Accounts ending in XXXX & XXXX Dear Representative : This letter serves as a formal demand that you immediately cease and desist from the following conduct : Re : harassment, unwanted contact 15USC 1692-c Your actions have caused and continue to cause harm, including : Damages. Emotiona- I have ask for no communication, but I still get emails and Text from this company. You are hereby instructed to : Immediately stop all such conduct ; Refrain from contacting me by phone, text, email, social media, or through third parties ; Remove/delete any offending materials or statements, if applicable ; Preserve any records, communications, or evidence related to this matter. If this conduct continues after receipt of this letter, I reserve the right to pursue all available legal remedies under the laws of the State of Illinois, including seeking monetary damages, injunctive relief, attorneys fees, and any other remedies permitted by law. This letter is written without waiver of any rights or claims, all of which are expressly reserved. Govern yourself accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I received a letter from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX. Email : XXXX The letter says : You had an accounty from Comenity Bank with account number XXXX, now owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX As of XX/XX/year> you owed XXXX You paid or were credited this amount toward the debt : XXXX The amount of the debt now : XXXX I have never had an account with a bank called XXXX and I do not owe any money and it does not appear on my credit statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Last year when I was at XXXX XXXX in XXXX I took a XXXXXXXX and the driver gave me a number to send him a XXXX for the " ride '' this number still on my phone until XX/XX/XXXX when I made a mistake by trying to send a XXXX ( {$230.00} ) to my wife XXXX XXXX for paying the bill... I called the receiver " XXXX " and she said she is going to check later she didn't answer my call anymore... I opened a claim with Wells Fargo my bank and until today when I called them about the claim XXXX : XXXX at their phone number : XXXX XXXX. They informed me that the claim was declined because of the receiver bank and they stated that it's not wells fargo responsibility since I did a mistake...

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: IN

Complaint narrative:
" I am disputing a total of {$1200.00} in transactions made between XX/XX/year> and XX/XX/year>. I am a resident of Indiana, and these transactions were made to an unlicensed, offshore gambling merchant ( XXXX XXXX XXXX ) based in XXXX. The merchant appears to have used incorrect Merchant Category Codes ( MCC ) to disguise gambling transactions as 'digital goods ' or 'social gaming. ' If these were not coded as XXXX XXXX ( the code for betting/casino gambling ), the merchant engaged in transaction laundering. The bank failed to identify this deceptive practice, which allowed thousands of dollars to be sent to an unlicensed offshore entity in violation of state and federal banking standards. Timeline and Actions : XX/XX/year> XX/XX/year> : Transactions were processed under multiple deceptive names, including XXXX, ' 'XXXX XXXX, ' and " XXXX Llc XXXX XXXX. ' This is a form of transaction laundering used to bypass bank fraud filters. XX/XX/year> : Indiana House Bill 1052 was signed into law, formally prohibiting this 'sweepstakes ' casino model in my state. The merchant is unlicensed by the XXXX XXXX XXXX. XX/XX/year> : I contacted the company to report this merchant fraud and unlicensed activity. XX/XX/year> : I filed FTC Report # XXXX regarding this merchant. Response : The company summarily denied my claim via email, stating 'no error occurred ' without conducting a reasonable investigation or acknowledging the merchant 's illegal status in Indiana XXXX They have failed to provide the documents they relied on for this denial, which is a violation of my Regulation E rights.I am exercising my rights under 12 C.F.R. 1005.11 to dispute these errors based on merchant misrepresentation and unlawful activity. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: AL

Complaint narrative:
Huntington Bank is purchasing XXXX XXXX. On XX/XX/XXXX the joint credit card my husband and I opened in XX/XX/2006 will be converted to a sole-owned card ( we can choose which person to remain open ). This card is the oldest item on both of our credit reports by almost a decade - either person we chose the other will have irreparable, devasting negative impact to their score by the card being removed from their available credit. We have spoken with Huntington Bank twice and requested alternatives : specifically, keeping the card open for both of us and splitting the card itself. We were told no.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.C. System, Inc.
State: IL

Complaint narrative:
So XXXX days ago, I was checking my credit score with XXXX XXXX and out of nowhere. I get a update that I have a derogatory remark on my credit report. And when I clicked on it, it said it was for IC systems in the amount of {$67.00}, I have never in my XXXX years of living here heard of this company or have ever done any business with them and that is why I am reporting this because I do not know what this company is and I am very XXXX about paying all of my debts off on time or beforehand and I am writing this statement to clarify that these are false statement on my credit report and if they do not delete it off my account, I will be taking them to court and pursuing legal goal action even though it is only {$67.00}. I do not agree with the principle of them being able to mess with my credit score when I have never in my life done a transaction or business with them.

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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a letter from California state controller stating " Block Inc '' had unclaimed funds. Under Property ID # XXXX. I contacted the California state controller and they gave me Property ID numbers for the funds. I sent emails to the address on the latter to Block Inc. On XX/XX/year>. I was told that I needed to contact Cashapp because it was a Cashapp issue. I contacted Cashapp and spoke to 3 diffrent reps and I was told that my Cashapp was closed due to violation of terms. I explained to the Cashapp rep that I didn't make any violation and was probably my ex wife. I was told to send a reason for violation and purpose of use of service of Cashapp. I sent the info on XX/XX/year> and I was told wait 10 days. I told them I don't need to use Cashapp I just want my funds returned. It's been 10 days and they will not give me any info. All they say is I have to wait for a appeal to get approved to reopen a closed cashapp account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AK

Complaint narrative:
Now after a week or so they sent the same response as they say in the phone calls. I'm not saying there's a problem with the loans themselves. The problem is auto pay taking whatever is in cash app balance. That .. is. bull. I was sent money by someone who needs to use my cash app to transfer. So now guess what, I lost someone else 's money because you think it's fine not to even ask before taking at least XXXX dollars???? It was XXXX XXXX. We couldn't pay for gas because we thought cash app could work. We got the cash app card and we couldn't use it. I understand I has over due payments. But do I now?????? Nope. Because I have a job with regular pay schedules that XXXX. I think it's not fair at all for them to take it for those auto pay loans that get paid. You don't have to take everything in the balance literally didn't even see it before they took it. It was gone before I got the notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation