vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I am filing a complaint regarding my auto loan account with Bridgecrest and the handling of my payments and account status. I have maintained an almost 5 year history of on time payments ( XX/XX/XXXX- XX/XX/XXXX ) prior to experiencing a temporary hardship due to losing my federal job. During that time, I was approved for a payment deferral. I understand that I am currently ineligible for another deferral due to a 6-month policy. Despite this, I have made significant efforts to bring my account current. Over the past month, I have paid approximately {$1200.00} in good faith. However, I was informed that these payments were applied primarily to accrued interest from a prior late payment rather than toward my current payment due, making it extremely difficult to catch up. Additionally, I made a payment one day before my most recent due date, but it was not applied. As a result, my account is at risk of being marked past due despite my attempt to pay on time. I believe this reflects a processing and application issue that unfairly penalizes me. I have contacted customer service multiple times but have not been provided with a workable solution or any meaningful assistance. Given my long history of on time payments and my continued efforts to resolve this, I am requesting the following : * A review of how my recent payments were applied * Consideration for a one-time adjustment, grace period, or correction so my account is not marked past due due to payment timing * Any available options to help bring my account current, such as fee waivers, a payment arrangement, or account re-aging I am not attempting to avoid my financial obligations. I am actively trying to remain current and resolve this situation in good faith, but I need assistance and flexibility to do so. I request that this matter be reviewed by a higher-level team and that a fair resolution be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Paramount GR Holdings, LLC
State: GA

Complaint narrative:
XX/XX/year> received letter from XXXX stating the loan was paid in full. Check for {$52000.00} was mailed, payoff was {$51000.00}. XXXX wants an addition {$160.00}. I refuse to pay on a loan with a XXXX balance sent from XXXX. XXXX address is XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX refuses to honor the paid in full letter they sent and are threatening to hurt my credit report and turn me over to collections. This company refused to give me to corporate office. I have spoken with staff at this company, several supervisors who assured me they would look into this. Only thing I receive is a past due bill. This company also lost a check in XXXX and could not locate the check. Send a second check certified with the post office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Majority USA, LLC
State: MD

Complaint narrative:
On XX/XX/year>, I was the victim of a fraud scheme involving a rental property. I initially attempted to send money through XXXX to the individual, and XXXX XXXX transaction was successfully completed as part of this interaction. After this, I was instructed to complete the remaining payment using a barcode at a retail location. I made a cash payment of {$400.00} using the barcode provided to me. The barcode used for this transaction was associated with XXXX, meaning the transaction was processed within their system and is fully traceable. After receiving the funds, the individual refused to show the property and demanded additional money for identity verification. They also stated that the only way to recover my money was to send more funds, which confirmed this was a scam. I did not send any additional money. I reported the fraud to XXXX the same day and submitted all supporting evidence, including the receipt and barcode. However, I have not received a case number, confirmation of investigation, or any meaningful update. Communication has been inconsistent, and I was never connected to a fraud specialist despite being told I would be. This is an active fraud case involving traceable funds processed through your system. I am requesting immediate escalation to the fraud department, a formal investigation, written confirmation that my case is open, and my official case number. I also request that the transaction be traced and all recovery options be pursued without delay.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Paypal Holdings, Inc
State: ND

Complaint narrative:
Date of Transaction : XX/XX/year> Amount of Money in Dispute : {$440.00} The nature of this dispute is Venmo froze my personal Venmo account with no warning after I had tried to get my phone number on the account changed. I currently have {$440.00} in my account thats non transferable to anywhere. Even if I was having too many personal transactions, why couldnt Venmo email me and tell me that I would have to switch to Venmo Business account if so? I contacted Venmo over this issue and all of the customer service representatives say that there is nothing they can do, the money will be frozen for 180 days. The real issue is that I have already paid for a personal trip on my credit card and was having friends Venmo me their halves for the trip and now XXXX cant access that money to put towards my card payment. I am hoping the CFPB can resolves this issue with Venmo and have my funds unfrozen & accessible to me way before 180 days. There has been multiple disputes Ive seen online where people never even get their money back after 180 days and I dont want this to happen to me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Summary of issue : I have original CD certificates and supporting documentation, but I have been unable to redeem the CD or obtain a clear answer about its current status. Bank of America indicates it has no record of the CD and states it can not investigate further without a claim number from XX/XX/XXXX ; XX/XX/XXXX indicates there is no claim number, and that Bank of America must provide information on whether/when it escheated the CD to the State. Contact Log ( chronological ) Tuesday, XX/XX/year> : I contacted Bank of America to ask how to redeem my CD. The representative stated they had no record of the CD and referred me to the XX/XX/XXXXXXXX XXXX website. Tuesday, XX/XX/year> ( continued ) : I checked the XX/XX/XXXXXXXX XXXX website and did not find a claim. I then called XX/XX/XXXXXXXX XXXX and spoke with XXXX, who could not locate any records but agreed to conduct additional research. Thursday, XX/XX/year> : I received a call back from XXXX ( XX/XX/XXXXXXXX XXXX ). She advised that they were unable to locate any information and referred me to a local Bank of America branch to request a legacy deposit research request. Monday, XX/XX/year> : I met with XXXX and XXXX at our local Bank of America ( XXXX XXXX XXXX, XXXX, MI ). During the meeting, they contacted Bank of Americas Unclaimed Property division and were told they needed a claim number from the State of Michigan XX/XX/XXXX to do further research. Monday, XX/XX/year> ( continued ) : I contacted XX/XX/XXXXXXXX XXXX again to request a claim number. I was told there is no claim number and that it is up to Bank of America to provide when and how it escheated the CD to the State. Monday, XX/XX/year> ( continued ) : I called the local Bank of America branch back and relayed the above. I was told they would not do further research until I had a claim number from the State of Michigan. XXXX suggested I call Bank of Americas Unclaimed Property division myself. Monday, XX/XX/year> ( continued ) : I contacted Bank of Americas Unclaimed Property division and spoke with a supervisor named XXXX. She confirmed they do not have a record of the CD and stated they are unable to do further investigation without information from the State.

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 2026-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I opened an account with Synchrony Bank, XXXX, CT. I opened a savings and multiple CD 's. For no apparent reason they restricted my access to my account and told me it was under review. An email from them stated the were reviewing my and suspending my external bank. I made multiple calls and was told the same thing every time. I was told to call back in 2-3 business days and when I did I was told told call back a decision has not been made. Just today, I was told that the suspension could last 30-60 days. I have finally reached a manager and I am awaiting the outcome of my phone call.

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 2026-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
Hospital sent money owed to collection with ARSI. Long story short, we paid the balance but between the hospital, their 3rd party and ARSI, we all of a sudden still have a balance. Amount owed feels made up because they havent provided dates of service or anything itemised. When we paid ARSI off, we turned around and paid the hospital what we owed them as well to avoid having to deal with ARSI. When we paid the settlement, they told us we no longer needed to go to court however, we called the Friday before court to make sure it was dismissed but it wasnt. So ARSI showed up. It felt like they were trying to win by default. The money makes no sense and theres too many hands in the basket between XXXX XXXX health systems and ARSI and their 3rd party because after ARSI was cleared, we were told by XXXX XXXX that they were also paid in full. They need to be looked into because in our court session, we witnessed 4 other individuals being sued from the same place and dealing with the same debt collector with the same story. They need investigated. This doesnt feel legal and I cant even dispute it. I feel like Im just being used over and over again. Weve paid every part of our debt and are still being pursued for unknown charges

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
The account was charged off in XX/XX/XXXX. Since that time, I have been on a structured repayment plan and have made consistent monthly payments of approximately {$600.00} {$650.00} for nearly two years. As a result, the balance has been steadily decreasing. For example, my recent statement shows a balance reduction from approximately {$16000.00} to {$15000.00} following a payment of about {$620.00} in XX/XX/XXXX. However, the information being reported to XXXX does not appear to reflect my most recent balance and does not indicate that the account is actively being repaid. The account continues to be reported as a charge-off with a balance that may not be current and without any indication of ongoing payments under a repayment arrangement. This reporting is incomplete and potentially misleading because it does not accurately reflect my current repayment behavior or the fact that the balance is being reduced on a consistent basis. I previously contacted American Express directly to request that the reporting be updated to reflect my current payment activity or repayment arrangement, but they declined to make any changes. I am requesting that the company review this matter and : Update the reported balance to reflect the most current amount Ensure that future reporting reflects accurate, up-to-date balances following payments Review whether the reporting can reflect that the account is being paid under an active repayment arrangement I will provide supporting documentation, including recent account statements, showing payment activity and current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I received a Credit Monitoring alert from XXXX XXXX from Upgrade Inc . The charge is for XXXX on XX/XX/year> for an account opened XX/XX/year>. I have know knowledge of this account. I believe this to be erroneous and has negatively impacted my credit. After contesting with XXXX, they advised me to submit complaint with FTC/CFPB. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Creditly Corp.
State: TX

Complaint narrative:
I am filing a complaint against Credit Genie for initiating an unauthorized ACH debit from my bank account after I had already revoked authorization. In XXXX, I contacted Credit Genie and formally revoked authorization for any electronic debits. My request was confirmed, and my account was permanently blocked. I have not used their service or accessed my account in approximately six months. On XX/XX/XXXX, Credit Genie initiated a transaction in the amount of {$160.00} against a bank account that I no longer use. I did not authorize this transaction. I have made multiple attempts to contact the company regarding this matter and have received no response, despite their stated response time of 2448 hours. This debit attempt is unauthorized and violates my prior revocation of authorization. I am also concerned about how the company retained and used my banking information after my account was blocked and inactive for several months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
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: NC

Complaint narrative:
On XX/XX/year> I made a purchase at XXXX department store in XXXX, NC for {$130.00}. I used my XXXX credit card to make the purchase, which is also known as XXXX XXXX. I asked the cashier at the register if I could please pay the amount of {$130.00} directly towards my XXXX XXXX XXXX we attempted to process this transaction twice and at the register I was handed two receipts that said transaction canceled. However, I pulled up my Wells Fargo bank account and checked in my checking account and told the cashier that the funds had been immediately withdrawn out of my account even though it sent pending. I went home cause I was not going to pay it a third time. I did not have enough money in my checking account to cover it three times the same bill. I called Wells fargo the next morning and I put the charges into dispute they put a temporary reversal on my account. They asked me to send documentation which I did. I emailed that directly to the email link they said card claim at wellsfargo.com and just recently I got a letter in the mail saying they had no information on my case and my case would not be further investigated unless I provided them information. Wells fargo is not doing their job on my behalf. This is not a XXXX XXXX issue because I have paid the bill now online directly towards my XXXX XXXX XXXX the money is somehow stuck in an ACH mystery and Wells fargo is not helping me at all. They do not have my best interest and they do not have the documents that Ive provided to them from email. I dont know what else to do. I need this investigated. I would like to have the two transactions reversed and I would like to have my money back.

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 2026-04-27 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: MS

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
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: MI

Complaint narrative:
Subject : Formal Complaint Against SoFi Bank Inconsistent Dispute Investigation & Denial of Unauthorized Transaction Dear Consumer Financial Protection Bureau, I am filing a formal complaint against SoFi Bank regarding their handling of my dispute for an unauthorized transaction in the amount of {$1900.00}. Transaction Details : - Merchant : XXXX XXXX XXXX XXXX - Transaction Date : XX/XX/year> - Amount : {$1900.00} I reported this transaction as unauthorized. SoFi initially denied my dispute, stating that the transaction was valid and referencing a subsequent transaction as part of their reasoning. However, after further review, SoFi investigated that later transaction ( which occurred after the {$1900.00} charge ) and determined that it was in fact unauthorized, issuing me a refund for that separate charge. This creates a clear contradiction in their investigation findings. If the later transaction was determined to be unauthorized, it confirms that I was not in possession of my card at the time these transactions occurred. Despite this, SoFi continues to deny my claim for the earlier {$1900.00} transaction, even though both transactions are directly related and occurred within the same timeframe. Additionally, I have serious concerns regarding the integrity of SoFis investigation process. Their final determination on my {$1900.00} dispute appears to have been made within an extremely short period, raising doubts as to whether a thorough and fair investigation was actually conducted. Key Issues : - SoFi denied my {$1900.00} dispute while approving a later related unauthorized transaction - Their own findings support that I was not in possession of my card- They are applying inconsistent standards to transactions within the same timeframe - The investigation appears rushed and incomplete I am requesting that the CFPB : - Require SoFi to reopen and properly investigate this dispute - Require SoFi to provide all documentation used in their decision - Ensure that I am refunded for the unauthorized {$1900.00} transaction This situation has caused me financial harm and unnecessary stress, and I am seeking a fair resolution based on the facts. Thank you for your time and assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
The first issue is, my mortgage lender, Fifth Third Bank, keeps saying they have 'new systems ' and cant provide statements and transaction history. They said they can't provide a statement for XX/XX/year>. This has happened many times with no resolve. The largest issue I've had with Fifth Third Mortgage is the lender telling me I have missed payments. They have called me three in the past 2 years and had me make up 'missed payments ', but they couldn't explain when the paymetns were missed. I made them so my mortgage wouldn't be behind and thougt maybe it was because my taxes and insurance rates increased. However I realized I didn't miss any payments, in fact I overpaid. But I still have unapplied credits, late fees and all.kinds of charges I shouldn't have received. I went to the Fifth Third branch on XXXX XXXX to meet with their head mortgage rep 2 weeks ago. After sitting with her for an hour trying to find out where Ive missed a payment, she said I cant find ANY missed payments but a lot of unapplied credits. She said your morgage is a 'mess ' and handed me 3 different types of transaction statements she printed covering the past 24 months. She said make a spreadsheet comparing these and have your mortgage audited. I contacted the collections and loss mitigation department last week to have them audit my account or tell me the process. They informed me they found multiple unapplied credits equal to or higher than my 'missed payments ' and many late charges I shouldn't have received. I was told a supervisor would call me within 24 hours to let me know what they found and what needs to happen moving forward. No one has contacted me. I've tried calling 3 times to be told they don't know who I spoke to and wait for a callback. This is fraud. Not only do they randomly refuse to provide monthly statements, they don't correctly apply simple monthly payments and accuse me of not paying while they label the money unapplied credit.

Company response to consumer: Closed with non-monetary relief