vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding a collection account reported in the amount of {$3600.00} that violates my rights under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3955. I served on XXXX XXXX in the XXXX XXXX XXXXXXXX and separated on XX/XX/year>. Upon separation, I relocated in accordance with my XXXX transition, which qualifies as a XXXX XXXX XXXX under SCRA. Despite this, XXXX XXXX XXXX XXXXXXXX XXXX ( now operating as XXXX XXXX ) charged early termination fees and penalties that are prohibited under federal law. These charges were then placed into collections with National Credit Systems. I contacted the property manager via email and requested a full breakdown of the charges, validation of the debt, and confirmation of SCRA compliance. I provided a 10-business-day deadline, and my request was acknowledged, but the issue was not resolved. I also provided information regarding my eligibility under the Servicemembers Civil Relief Act ; however, I was informed that I did not qualify for SCRA protections, which is incorrect based on my XXXX XXXX status. Under SCRA, I am only responsible for prorated rent up to the termination date. I am not legally responsible for early termination fees or penalties. The amount being reported is inaccurate and includes unlawful charges, which has negatively impacted my credit. I am requesting : 1. Removal of all SCRA-prohibited charges 2. Correction or deletion of this account from my credit reports 3. A full breakdown of the charges 4. Proof that all charges comply with SCRA If this matter is not resolved, I am prepared to escalate this issue to the Department of Justice. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am reporting an unauthorized transaction on my PayPal account that PayPal has refused to refund. On XX/XX/year>, a {$2000.00} payment was sent from my PayPal balance to an individual ( XXXX XXXX ) using the Friends and Family option. I did not authorize this transaction, do not know this individual, and have never sent them money before. I reported this immediately to PayPal, but they determined the transaction was authorized and denied my claim without providing sufficient evidence. This transaction does not match my normal activity, and the timing ( XXXX AM XXXX ) is unusual. I believe my account may have been accessed without my permission. I am requesting a full account security investigation, including login IP, device, and location, and reimbursement of the {$2000.00} unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding improper handling of an auto loan, repossession, and unauthorized withdrawal of funds. The account was charged off in XX/XX/XXXX, and I was informed that the vehicle was not worth recovering. The vehicle remained at a mechanic for an extended period. Despite this, the vehicle was later repossessed in XX/XX/XXXX and sold at auction. I am requesting documentation showing how repossession was legally authorized after charge-off and prior statements indicating the vehicle would not be recovered. Additionally, funds have been repeatedly withdrawn from a bank account, including a joint account where I am not the primary account holder. These withdrawals include tax refund funds and are causing severe financial hardship. I am requesting : Full validation and accounting of the debt Proof of proper repossession and sale procedures Investigation into unauthorized withdrawals Immediate cessation of improper account debits This situation has left me in extreme financial distress, including homelessness, and I am seeking immediate resolution. I have now had to XXXX XXXXXXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of my auto loan account by Ally Financial across multiple credit bureaus. This account is being reported differently across XXXX XXXX XXXX XXXX Specifically, the number of late payments reported is inconsistent, with XXXX bureau reporting XXXX late payments while others report XXXX and XXXX late payments. Additionally, the high balance and other account details are not reported consistently across all XXXX credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report complete and accurate information. These discrepancies indicate that the account is not being reported accurately or consistently. Due to these inconsistencies, this account can not be considered reliable or verifiable. I am requesting that this account be removed from all credit bureaus immediately if Ally Financial can not demonstrate consistent and accurate reporting supported by complete documentation. This inaccurate and inconsistent reporting may constitute a violation of the FCRA.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am submitting this complaint regarding deceptive and misleading conduct by Pentagon Federal Credit Union ( PenFed ) in connection with my XXXX % cashback rewards credit card. Prior to making significant purchases on XX/XX/year>, I contacted PenFed via their official chat support to confirm that my account was active and eligible to earn the advertised XXXX % unlimited cashback. A PenFed representative explicitly confirmed in writing that my account was active and that I would receive XXXX % cashback on my purchases. Relying on this written confirmation, I proceeded to make {$1900.00} in purchases on the card. Subsequently, PenFed denied the cashback rewards associated with these purchases, stating that my XXXX % earning benefit had been XXXX. This directly contradicts the written confirmation I received from their representative prior to making the charges. PenFed has refused to correct this issue or make any exception, despite the fact that : I relied on their agents written statement in good faith The purchases were made only after receiving confirmation of eligibility The denial of rewards is inconsistent with the information provided by PenFed at the time of the transaction This constitutes a clear case of misrepresentation and bait-and-switch conduct, where I was induced to use the credit card based on false or inaccurate information provided by PenFed. Requested Resolution : 1. Immediate credit of all cashback rewards earned at the XXXX % rate for the {$1900.00} in purchases made in reliance on PenFeds confirmation XXXX. Written confirmation that my account terms and rewards eligibility are clearly defined and will not be misrepresented in the future 3. Review and correction of PenFeds internal practices to prevent customers from being misled by inaccurate information from their representatives I am prepared to provide documentation of the written chat confirming my eligibility if required. This matter involves clear consumer harm resulting from reliance on inaccurate information provided by the institution, and I request prompt 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 monetary relief
Consumer complaint received 2026-04-15 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am filing a complaint regarding how my credit card company handled my dispute for a {$6500.00} charge from XXXX. In early XX/XX/2026, I booked a hotel reservation through XXXX for XX/XX/2026 through XX/XX/2026. This reservation was for my XXXX. During the booking process, the room was presented as refundable, which influenced my decision to move forward with the purchase. Shortly after booking, and well in advance of the stay date, I attempted to cancel the reservation. I made multiple efforts to resolve this directly with the merchant, but XXXX directed me to the hotel, and the hotel directed me back to XXXX. I was unable to get any resolution despite acting in good faith. I then filed a dispute with my credit card company and provided documentation, including confirmation that the reservation has now been canceled and that no service will be provided. Despite this clear evidence, my credit card company denied the dispute and is holding me responsible for the full {$6500.00} charge. My concern is not only with the merchant, but with how my credit card company handled this dispute. I provided documentation showing that the reservation is canceled and that no service will be delivered, yet this was not properly considered. I was not given a clear or sufficient explanation as to how I can be charged for a service that will not be provided. Additionally, when I called to request further assistance and escalation, I was in the process of being transferred to a supervisor and the call was disconnected. This added to the frustration and prevented me from properly addressing the issue. I relied on my credit card company to fairly review this situation and protect me in a case where services were not delivered. Instead, the dispute was denied despite the evidence, leaving me responsible for a charge for something I will never receive. This has been extremely frustrating, especially given that this booking was for my honeymoon, and I made every effort to resolve the issue properly and in advance. I am requesting that my credit card company conduct a proper and thorough re-review of this dispute, taking into account the documentation provided and the fact that no service will be delivered. I am requesting a full reversal of the charge based on services not being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX, I applied for a mortgage for a XXXX condo with Rocket Mortgage. I originally applied for a loan with XXXX % down so that I could qualify for their XXXX first time homebuyers ' program and receive over XXXX XXXX dollars in lender credits. Over a month after conditional approval, on XX/XX/XXXX, they informed me that because of delinquent HOA dues at the condominium, they could not offer me financing unless I put XXXX % down. This increase in my down payment also disqualified me from the program. The loan officer did not send me an updated loan estimate for the new, completely different, loan. Only after asking for a loan estimate on XX/XX/XXXX I was sent an itemization of credits, but not an actual loan estimate document similar to the one I had initially reviewed and signed for the XXXX % down loan I originally applied for. Until I bluntly asked about it, it was not explained to me that I was no longer qualified for the program. The XXXX program was the only reason I had originally applied with Rocket Mortgage. Without this I had lost the single favorable factor that had enticed me to apply with Rocket, and I was frankly terrified by their lack of transparency and apparent incompetence. Rocket paused and then withdrew my loan. This is all leading up to my actual complaint : when I initially applied with Rocket, I had to pay a {$400.00} good faith deposit based on my initial estimate. I paid that deposit towards my original, XXXX % down loan with XXXX in lender credits -- not the new loan they offered me, which differed significantly and which I never agreed to move forward with. I understand why they can not finance the condo without XXXX % down, but since they were not able to provide the loan they offered me, I sincerely feel that I am entitled to my deposit back. When I asked about the deposit, my loan officer for Rocket responded that I could not get it back since it was my fault for not " liking '' the extreme changes to the loan and implied that I was at fault for " selecting a property where the HOA allows people to be late. '' I have informed them that I am pursuing this with the CFPB. Ive attached my original loan estimate, the redisclosure and itemization of credits I was sent for the new loan, and screenshots of my Rocket Mortgage portal showing that I was not sent an updated loan estimate. The document named " redisclosure package '' in the portal is literally the same exact document as the itemization of credits. I have also attached the email from my loan officer explaining why she believes I am not entitled to my deposit, and a screenshot of the loan summary from the Rocket Portal which has consistently shown different numbers than the documents they have sent me throughout the entire month I worked with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 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: TX

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I request that the CFPB investigate XXXX XXXX training adequacy for offshore personnel handling servicemember accounts ; require XXXX to establish and disclose a secure domestic-only electronic submission channel for XXXX documentation with written confirmation of access restrictions ; assess whether the three-month deferment processing delay constitutes a violation of 50 U.S.C. 3953, 12 C.F.R. 1024.38, and the California Military Families Relief Act ; and consider this complaint in the context of XXXX broader pattern of conduct documented across multiple prior regulatory filings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
There's XXXX companies that have collected on debt through my work that I did not owe money to due to identity fraud. I did not open nor allow any CC to be opened and was unaware it even happened until they started taking money from my paycheck through job. XXXX and XXXX through LVNV FUNDING LLC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I made a payment from my Wells Fargo account to XXXX XXXX, but the payment was not properly received or applied. The payment was made around early XXXX ( including a payment on or about XX/XX/XXXX ) in the amount of {$630.00}, and Wells Fargo confirmed that the funds were sent. Wells Fargo provided multiple trace numbers for the transaction ; however, XXXX XXXX has no record of receiving the payment. I contacted Wells Fargo several times and requested an investigation under ACH error resolution. Despite my repeated efforts and providing all requested information, my claim has been denied XXXX times without a clear explanation of where the funds went. As a result of this unresolved issue, I have been charged late fees and my credit has been negatively impacted. I have requested that Wells Fargo locate the funds, provide proof of payment, correct the error, stop late fees, and correct any negative credit reporting, but they have failed to resolve the issue. I am requesting a full investigation, recovery or proper application of the missing funds. I've been going back and forth since XX/XX/scrub>XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
There are serious issues with the ownership of the property at XXXX XXXX XXXX XXXX XXXXXXXX. The person who originally sold the property appears to have sold it to XXXX different buyers at different times, which creates confusion about who actually has rightful ownership. There are also problems with the financial side of the transaction. The recorded sale amounts do not match the mortgage amounts, and the numbers vary significantly. This raises concerns about whether the loan and purchase were handled correctly and transparently. Because of these issues, the ownership history of the property is unclear. Some parties who may still have an interest in the property may not have been properly accounted for, which adds to the uncertainty around who legally holds rights to the property. In addition, the property is currently going through a foreclosure process tied to Wells Fargo Acct. # XXXX. This means the lender is attempting to take and sell the property due to issues with the loan. However, given the existing problems with ownership and the loan details, moving forward with this process could create further complications. There are also concerns about how the foreclosure is being handled, including whether all proper steps are being followed and whether everyone involved has had a fair opportunity to respond. To make matters more complicated, there is an active federal case reviewing these issues, including the ownership history, the loan, and the foreclosure process. Moving forward while these concerns are still unresolved could create further risks for everyone involved. Overall, the situation raises significant questions about ownership, the loan, and the foreclosure, and it has not yet been fully sorted out.

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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
b'On XXXX XXXX XXXX I received text notification of potential fraud activity from Bank of America. I immediately responded to indicate this was fraud. I logged into the banking app which showed several charges processing to XXXX XXXX XXXX XXXX There were XXXX pending transactions made to XXXX different XXXX locations located in XXXX different cities prior to the fraud notification. All of these transactions indicated the payment source to be virtual card. It was discovered that my sons phone had XXXX XXXX active with my debit card as payment source. This was immediately deleted. No further charges were attempted that posted to my account. \n\nCharge Detail posted to my account on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThe temporary credits for these transactions posted to my account on XXXX XXXX. \n\nI provided a detailed statement. I also informed the fraud claim representative that I had contacted XXXX directly and was told that XXXX could not give me any information as they had no way to verify my identity. They could not even pull up the transactions as they were not made in my name. They tried using my debit card to inquire but it pulled nothing due to the transactions were made from a virtual card. \n\nI received notification XXXX XXXX XXXX that my claims are not approved. The notification states that the charge was made my me or my representative and offers copies of the documents used to make this decision. \n\nI called the number on the notification to receive the documentation and was told that this information does not exist. The representative I spoke with said that my claim was not approved because there are past transactions posted to my account from XXXX in the past. I have a XXXX consumer credit card, Payments to the credit card are made from this account and I do make purchases to XXXX using my debit card. I was also told that there are no documents. I was also told the back office personnel in the XXXX XXXX Bank of America Claims Department made the decision and there is no backup as indicated on the credit reversal notification.\n\nThe notification also states there was a review. There was no attempt made to contact XXXX. There was no verifiable action taken at all. \n\nI was told to file a police report and I intend to do so. Bank of America did nothing to resolve this fraud claim.'

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 monetary relief