vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
I am the current legal owner of the property located at XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX, having acquired it via a foreclosure auction. The property is currently encumbered by a UCC-1 fixture filing ( solar system lien ) ( Loan ID : XXXX ) held by GoodLeap, LLC, which was signed by the previous owner. On XX/XX/year>, I submitted a formal settlement offer to GoodLeap, LLC to resolve this debt and clear the cloud on the title. Since that date, I have made multiple attempts to follow up. While the company has acknowledged receipt of the offer, they have remained completely non-responsive regarding an acceptance, rejection, or counter-offer. They have provided no timeline for a resolution despite nearly three months of waiting. This lack of responsiveness is professionally negligent and is causing significant financial hardship. Because the title is not clear, I am legally and financially unable to sell or rent the property. I am requesting that GoodLeap, LLC assigns a responsive representative to this file immediately to provide a formal payoff statement or a decision on the pending settlement offer so that this matter can be closed. Please note that I am open to a reasonable cash settlement to clear the title ; however, if GoodLeap prefers to bypass a settlement, I am also willing to allow the company to exercise its right to remove the solar panels and associated equipment from the property. I simply require a timely response and a clear path to removing this cloud on the title. I demand a formal decision or a coordinated timeline for equipment removal within 5 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CA

Complaint narrative:
I am filing a complaint against Chime regarding their failure to properly investigate and resolve unauthorized recurring charges on my account. I was charged {$39.00} on XX/XX/XXXX and again on XX/XX/XXXX by a merchant listed as XXXX *. I did not authorize these charges, do not have an account with this merchant, and have no subscription through XXXX XXXX or any other platform. After the first charge, I replaced my debit card. Despite this, the same merchant was able to charge my new card again. This indicates the use of stored payment credentials or automatic card updater services, which I did not authorize. I reported these charges to Chime as fraud and requested a chargeback. My claim ( ID : XXXX ) was denied twice without any proof that I authorized these transactions. Since then, I have : - Replaced my card multiple times- Had the merchant blocked- Opted out of Visa Account Updater services- Formally revoked authorization for this merchant Despite taking all appropriate steps, Chime continues to deny my claim and has not provided any documentation showing that I authorized these charges. I am requesting : - A full refund of the unauthorized charges totaling {$79.00} - Documentation proving how these transactions were determined to be authorized - A proper fraud investigation in accordance with unauthorized recurring transaction protections This situation has caused financial hardship and stress, and I am seeking immediate resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Reach Financial LLC
State: CA

Complaint narrative:
I went through the process of paying off credit cards with XXXX XXXX XXXX. Eventually they recommended Reach to " graduate '' and exit the program and pay off the debt faster. In XXXX of 2024 I was rear ended at a high speed. It left me with severe injuries, including multiple XXXX XXXX, that prevented me from working. The loan was put into forbearance, which I was grateful for. Since the loan came out of forbearance, my payments have only been applied to the interest on the loan. Not the principal. I was told that the entire loan and interest would be " put on hold ''. So for nearly a year I've been making payments and the nothing has been going towards the principal. Due to severe side effects of the treatment I received for my injuries, I missed sometimes weeks at a time of work. So there were two points where I did miss payments. I asked for help. A payment plan. I have not received an email, text, or phone call. They are incorrectly reporting to credit agencies that I have more late payments than I have, and they are even reporting me as late despite the fact that I have been making payments, including the regularly scheduled payment just a few days ago. So in short, they're not applying my payments to the principal balance, they are reporting incorrect information to credit agencies, and they don't respond to hardship inquiries. I want to pay them back and I do not want to have to file bankruptcy but they are pushing me towards that path.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Transform Credit Inc.
State: TX

Complaint narrative:
As of XX/XX/year> my loan with together loan that is up to date and my pay off total is XXXX dollars to pay off. Now everyday I check my together loan portal fraudulent charges is being added every day to my pay off total which XXXX pay off Total, now today XXXX XXXX a new total on my account is XXXX dollars. I have email together loans why is this company keep adding fraudulent charges everyday on my pay off total, I XXXX XXXX have no received no response from Together loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SOFI TECHNOLOGIES, INC.
State: MO

Complaint narrative:
In XX/XX/XXXX, SoFi began charging a $ XXXX monthly fee on my SoFi credit card account without adequate notice. I was charged {$10.00} on XX/XX/XXXX and again on XX/XX/XXXX. I contacted SoFi to dispute both charges, believing them to be fraudulent. I was informed they represent a new recurring monthly fee for holding the SoFi credit card with no opt-out available. As a direct result of these undisclosed fees, I closed my account over the phone. The sole notification SoFi provided was a single email, which was delivered to my spam folder and never seen. More critically, SoFi 's app is structured in a way that actively obscures this fee from standard account views. When viewing the home screen activity feed, the monthly fee does not appear under either the " Recent '' or " Recurring '' tabs. The two locations where any reasonable consumer would expect to find all charges. The fee is only discoverable by navigating directly to the card and locating a separate fee detail screen. This is not an oversight. This structure appears deliberately designed to minimize consumer awareness of the charge, and would affect all SoFi cardholders equally. Compounding this, the charges themselves are listed in a way that provides no clear identification. Both the XX/XX/XXXX and XX/XX/XXXX charges appear in transaction history as " MONTHLY FEE XX/XX/XXXX XXXX '' and " MONTHLY FEE XX/XX/XXXX XXXX '' respectively and with no indication that the charge originates from SoFi. They are categorized only under a generic " Fees '' category. A consumer reviewing their statement would have no reasonable way to connect this transaction description to a SoFi credit card fee without additional research. This is precisely why I initially flagged both charges as fraudulent. The description is indistinguishable from an unauthorized charge. SoFi introduced a recurring fee, failed to provide conspicuous notice, built an interface that systematically hides the fee from normal transaction views, and labeled the charge in a way that obscures its origin entirely. Taken together, these constitute a deceptive practice under the Consumer Financial Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I have no knowledge of these fraudulent accounts and inquires stopping me from opening a bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: CO

Complaint narrative:
I am formally disputing this loan. I was not provided with clear written terms, including APR and repayment obligations, prior to the funds being disbursed. I also requested to cancel the loan on XXXX XXXX, and was instructed to wait until after deposit, which prevented informed consent. On XXXX XXXX once finds were deposited, I called to discuss terms and cancellation and was told at this time I didnt qualify. Given the lack of proper disclosures and the excessive interest rate, I dispute the enforceability of this loan under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am filing this complaint because Pennymac Loan Services provided contradictory instructions that have caused significant damage to my credit profile. As a co-owner and part of a mortgage loan modification process, I was explicitly instructed by a Pennymac representative to make partial payments as a mandatory requirement to trigger the modification and that it would appear as a remark in my credit but not a delinquent payment. I followed these instructions in good faith. Despite this being a lender directed action, Pennymac reported this month as delinquent to the credit bureaus. I have attempted to resolve this through the standard dispute process with XXXX and XXXX which results were verified as Accurate, but Pennymac continues to certify the late mark as correct. This is a deceptive practice penalizing a consumer for following the lender 's own specific requirements for a loss mitigation program. On XX/XX/XXXX as seen in my XXXX XXXX account, Pennymac removed the account in forbearance remark from my report but left the delinquency standing alone, causing a further drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, I was defrauded of {$3300.00} through XXXX XXXX transfers after being manipulated by a fraudulent online seller on XXXX as a verified store. The seller directed me to pay via XXXX instead of a secure payment platform, using fabricated fees each time to extract more money. Transfer XXXX : XX/XX/year> {$800.00} sent to XXXX XXXX XXXX XXXX XXXX Transfer XXXX : XX/XX/year> {$1300.00} sent to XXXX XXXX Transfer XXXX : XX/XX/year> {$1200.00} sent to XXXX XXXX XXXX lost : {$3300.00} No product was ever delivered. The seller also provided a fake tracking number through a fraudulent shipping website ( XXXX ) to delay me from reporting the fraud. I reported the fraud to my bank ( Bank of America ) immediately. On XX/XX/year>, Bank of America denied my claim ( Claim Number : XXXX ), stating only that the transfers posted according to instructions and that they were unable to recover the funds. The bank provided no meaningful investigation findings and no confirmation that the recipient accounts were flagged. I believe Bank of America 's denial is unjust because : 1. I was deceived through fraud into authorizing these payments this was not a voluntary or informed transfer. 2. Three separate unrelated personal accounts were used to collect payments, a clear indicator of money mule activity that the bank 's fraud systems should have detected. 3. The bank provided no evidence of contacting the receiving banks to freeze or recover funds. 4. Under Regulation E and CFPB guidance on fraudulently induced transfers, I am entitled to a proper investigation and reimbursement. I have filed complaints with the FBI IC3 and the FTC. I am requesting that Bank of America fully reimburse {$3300.00}, reverse claim denial XXXX, and confirm that all three recipient accounts were reported to XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ).

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 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit report is showing XXXX student loan tradelines as DEPT OF ED XXXX marked currently late with XXXX missed payment. These negative remarks are the result of a servicing or status processing issue, not a true delinquency. At the time the late status was reported, the loans should have been in an eligible non delinquent status such as XXXX XXXX deferment or forbearance or were impacted by servicer processing during a transition. The reporting does not reflect the correct account status and is being reported as past due when it should not be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I tried to login and it wouldnt let I guess my account is on hold but i have personal funds in my checking account. Is there anyway I can get it out?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a victim of identity theft. When I attempted to open a bank account with XXXX XXXX ( formerly XXXX XXXX XXXX ) in XXXX, Florida, I was informed that I have been flagged due to a record with Citibank. I have never opened an account with Citibank, nor have I ever authorized any banking relationship with them. I have also never received any account statements, debit cards, or mail from Citibank. This issue does not appear on my credit reports, but I was told there is still a banking flag or record preventing me from opening an account. I previously experienced identity theft during a scam involving impersonation, during which my personal information may have been compromised. It is possible that my identity was used to attempt to open or access a Citibank account without my consent. I only became aware of this issue after being denied a bank account. I am currently unable to access basic banking services due to this restriction. I have filed a police report regarding identity theft and request a full investigation into any internal records, applications, or accounts associated with my identity at Citibank.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was a victim of a money transfer scam and after disputing charges with my bank and filing a police report, I was instructed to file a dispute with Chime 's fraud department and they immediately denied me. After an hour long call with Chime " support '', where I was transferred back and forth to the same departments ( that were not the fraud dept ) and then finally being told I would get a resolution after I submitted multiple screenshots of the communication with the other party, ( who is a member of Chime bank ) and a copy of the police report and they only replied by automated email that I was not getting a refund. They did close my account though- I was also notified by email on that. The full amount I lost was {$500.00} in 2 separate transactions. ( {$360.00} + {$140.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy and validity of a collection account being reported on my credit file by LVNV Funding LLC. I am requesting a full investigation and validation of this alleged debt, including complete documentation verifying its accuracy, ownership, and legal authority to collect. Specifically, I request the following : Proof of Legal Authority to Collect Documentation showing LVNV Funding LLC has the legal right to collect this debt. Chain of Ownership Complete records showing the original creditor and every transfer, sale, or assignment of this debt. Clear documentation proving LVNV Funding LLC currently owns or has been legally assigned this debt. Original Account Details Name of the original creditor Full account history related to the alleged debt Accuracy of Reported Information Itemized breakdown of the balance being reported Explanation of how the amount was calculated, including fees, interest, or adjustments Payment History & Last Payment Date Exact date of last payment made on this account Full payment history used to report this balance Statute of Limitations Date of first delinquency and determination of whether this debt is within the legal statute of limitations for collection Personal Information Verification Documentation verifying that all personal identifying information ( name, address, and account identifiers ) matches my records and was correctl y linked to me Legal Notice This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation of disputed information and delete or correct any information that can not be verified within the required investigation period. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector is required to provide validation of a debt upon request and must cease collection activity if the debt can not be properly validated. If LVNV Funding LLC can not provide complete and verifiable documentation supporting all of the above, I request that this account be immediately corrected or removed from my credit reports as it can not be accurately substantiated. I also request written confirmation of the results of this investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: OH

Complaint narrative:
I dont claim to owe the original creditor or collection agency anything. The paperwork they sent has different reasons listed all to match one number but none of the documentation makes sense and some paperwork is not filled out completely. They have been trying to collect a debt that I do not owe and when asked to tell me what sent me proof that the number was made up and they simply entered in different reasons to come up with this specify number. Some documents claim I had security deposit some documents claim I didnt some documents have different rent amounts which again was not stated how they came up with this number in the first place but yet all documents total the same end balance. Thats fraudulent to make up fees and cost when I never owed them in the first place.

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 2026-04-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Regarding account number for XXXX XXXX XXXXXXXX, I am unaware of this debt and did not have the opportunity to dispute it. If you believe you sent proper notification, please provide certified mail with a receipt displaying my signature. If not, please delete account number # XXXX from my report as soon as possible ; otherwise, I will take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am writing in response to your communication regarding an alleged debt that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this debt. Please provide the following information : The name and address of the original creditor The original account number associated with the alleged debt The amount of the alleged debt, including an itemized breakdown of fees, interest, and charges Documentation showing I am legally obligated to pay this debt Proof that your company is licensed and authorized to collect this debt in my state A copy of the original signed agreement or contract bearing my signature Until this information is provided and verified, I request that all collection activity on this account be immediately suspended, including reporting to credit bureaus. If you are unable to provide proper validation, I request that you permanently cease all collection efforts and remove any negative reporting associated with this account. This is not a refusal to pay, but a formal request for validation as provided by federal 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
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: TX

Complaint narrative:
US. Bank XXXX XXXX XXXXXXXX I do not recognize this inquires

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