vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I inherited this mortgage after the original borrower passed away in XX/XX/scrub> 2022 and repeatedly notified the servicer and provided the death certificate. Despite this, the account was not properly handled and I experienced ongoing servicing issues. While the loan balance was near payoff ( approximately {$17000.00} ), I made multiple attempts to make payments by phone, which were not accepted. I was not provided a clear or consistent explanation for why payments were being refused. At the same time, I repeatedly requested payoff statements and a full accounting of the loan, including principal, escrow, and fees. These requests were not properly fulfilled in a timely manner. Instead of providing payoff information, I was repeatedly directed to sign assumption or modification documents. The proposed payment under these documents was approximately {$3700.00} per month, which did not make sense given the low remaining balance. I asked for explanations multiple times and did not receive clear answers. I was pressured to sign documents without adequate disclosure or understanding of how the payment was calculated. Because my payments were not accepted and payoff information was not provided, the account became delinquent. This resulted in negative credit reporting, including lenders later citing a delinquent real estate loan when denying me credit. Due to this situation, I was prevented from refinancing or paying off the loan when the balance was low. As a direct result, I was forced into a high-interest hard money loan with significantly worse financial terms, increasing my monthly obligation to thousands of dollars and causing substantial financial harm. I believe the servicers actionsincluding refusal to accept payments, failure to provide payoff information, lack of transparency, and pressure to sign agreementsconstitute serious servicing errors. I am requesting : A full accounting of the loan, including all payments, fees, and escrow charges Documentation explaining why payments were refused All payoff statements requested or generated Correction of any inaccurate credit reporting A resolution addressing the financial harm caused

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My girlfriend gave me the road I got a check you put it in my bank account at Chase bank and then they close the account for restrictions on the sand that I need to verification but me and my girlfriend went into Chase Bank and we did do the verification as well as her parents that wrote the check said that they got the verification from the receipt they got that they had took the money out the bank account because the check clear they closed my account and now they're trying not to give me my money trying to sell me that I need a phone in the third party 's name it was for XXXX the last four digits of the bank account of Chase Bank was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: MI

Complaint narrative:
Opened In my name. Not me that opened it. Now have been reporting and collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: M&T BANK CORPORATION
State: MD

Complaint narrative:
I called M & T bank multiple times ( specifically, spoke to representative XXXX XXXX ), and my credit card charge dispute was dismissed. I purchased flight tickets with XXXX XXXX which recently went bankruptcy. I did not receive my refund, and have never flown using the above tickets. Representative XXXX XXXX refused to file my credit card charge dispute, stating that because a plane ticket was issued the dispute is invalid. When asked about relevant bank policies, she refused and stated that she wil not give out additional information. When asked to escalate, she said she is already a supervisor. However, after escalating again, she then provided XXXX names of her supervisors. I am filing a complaint against XXXX XXXX and M & T bank given that under the Fair Credit Billing Act, I have the rights to dispute charges on services not delivered. In this case, the flights were never delivered. XX/XX/XXXX, the U.S. Department of Transportation stated that passengers are entitled to a refund on cancelled flight ( which I did not receive ). XX/XX/XXXX, major news outlets including XXXX, XX/XX/XXXX XXXX, Guardian have advised to speak to your bank for dispute and counseling regarding XXXX flight cancelation. I was completely dismissed and was not provided necessary information on my customer rights.

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 2026-05-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: WA

Complaint narrative:
Cash App has not changed anything since the law suit against them. I believe they deny disputes without even investigating. I have had XXXX disputes & both have been denied. The first was XX/XX/XXXX for {$130.00}. I disputed it & tried to dispute it with XXXX XXXX themselves, they said I didn't have an account with them & to dispute it with XXXX or cash app. I disputed with both. Cash app denied it. XXXX said they refunded it but didn't. If I ordered it, it was by accident because I never knowingly ordered it, never had an account & never used it. The second dispute was XX/XX/XXXX for {$160.00}. I got scammed my first time in XXXX. My wife took a picture of me with showgirls on the street. They asked for a tip of {$20.00}, {$10.00} each. I gave them my card, they swiped it on their phone. It didn't go through so I unlocked my card at the same time my wife gave them {$20.00} cash. My wife looked at my cash app & saw that they had taken {$160.00}. The girls said they couldn't give the money back to call their boss, they didn't answer. We called the police immediately. My wife even got attacked by XXXX of the girls. I contacted cash app through the texting thing & tried to dispute it that night it said I had to wait until the transaction went through. I disputed as soon as it did. They said it would take up to XXXX days yet denied it the very next day. I have screen shots of all of this through cash app if you need. I had to have a friend send me money to even get to the airport to get home. It was a horrible experience. They obviously didn't learn anything from the lawsuits because it seems they haven't changed anything. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: AK

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union regarding an account restriction that has not been resolved in a reasonable timeframe. My account was restricted for identity verification. I complied with all requests and submitted the required written verification form and identification documents. I was later informed by a representative that my documents were acceptable and that the restriction would be resolved within XXXX business days. It has now been over XXXX business days, its been XXXX weeks since the restriction began and beyond the promised timeframe, yet my account remains restricted. I have not received any updates, communication, or explanation for the delay. This issue is preventing me from accessing my funds and managing my account. I am requesting immediate review and resolution of my account status, along with clear communication regarding any remaining issues, if applicable. I would like this matter resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: SC

Complaint narrative:
Fraudulent account set up in my name, using an old address and my social security number. Kraken, Payward Company. XXXX. Received an XXXX for tax year XXXX in the mail in XX/XX/XXXX. Form was sent to an old address from XXXX. XXXX. Form XXXX lists my name, partial social security number, and an address that I briefly used in XXXX. XXXX. XXXX shows an apparent open account with Kraken. Form listed Kraken phone number to contact. XXXX. I called the Kraken phone number on the form received in the mail this month. Kraken no longer services that phone number. XXXX. On Kraken web site, customer service is only available to customers. I do not have any information on the actual email or password or other information used to set up this account. XXXX. The online form for general complaints has no option for fraudulent accounts. It only has options for problems with real customer accounts who have been scammed. XXXX. I attempted to contact Kraken via online form but could not provide information I don't have on an account that I did not open and can not access.

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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I have had a checking account with PNC for twenty years. I set up a a system that allowed me to use my computer to check balances, credit card transactions the reward balance on my cards. I had used the log in name and password for many years. On or around XXXX of XXXX PNC started using a different company to provide this service. I have attempted several times to go into my account # using my user name and password. I always received the same message to reset the pass word I called PNC and talked to their service representatives. On the phone we would work to try get me into the system but if ultimately failed. I was told to go to the bank personally and get it reset. This again failed and was told to call the IT number which I did and the system did not let me in by using my computer. I told PNC that I would be getting an account with a new bank. By not being able to log into my account I have missed credit card due dates, the bank now stated that I have no cash rewards with them when earlier there was close to XXXX $ in there. I was to be able to have PNC make me whole, allow me access my account by computer, to clear up any missed payment I have had and were reported to a credit bureau. PNC apparently no longer maintains their computer system and is unable to resolve a simple problem of getting me into my account. It has caused me finacial problems and unable to control my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
Sofi Bank was advised of my payment issues based on breach of contract and other abuses at the XXXX XXXXXXXX XXXX XXXX XXXX affecting my income as student, and the failure of a timely government borrower defense investigation. I have been making payments ranging from XXXX without realizing that my account was frozen and that they will not allow me to reapply for credit. I think that this is against XXXX law and desire fair and equitable closure of my account and have my account documented as closed in good standing. I was misled to believe that my account was current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: Chime Financial Inc
State: CA

Complaint narrative:
I want to clarify this is a fraud case, not a normal purchase dispute. I purchased an item on XXXX XXXX for {$290.00} from a seller claiming to be a real auto parts business. After payment, the seller instructed me to contact a courier on XXXX and demanded an additional {$220.00} for shipping insurance. I refused because that is not legitimate. The seller then refused to ship the item or provide a refund. I later verified that the real business was being impersonated. The phone number and email used were not associated with the actual company. The courier is fake, and the tracking number is not recognized by any legitimate carrier. This shows the seller never intended to deliver goods. I am requesting this be handled as fraud and that you attempt recovery or chargeback. More information about the scammer : XXXXXX/XX/XXXX XXXX XXXX names : XXXXXX/XX/XXXXAddress : XXXX XXXX XXXX XXXX, XXXX, NV XXXX, XXXX Phone : ( XXXX ) XXXX XXXX I already reported to XXXX about this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I am filing this complaint against Wells Fargo regarding my debit card dispute ( Claim # XXXX ) for a {$230.00} transaction at XXXX XXXX XXXX on XX/XX/year>. Wells Fargo unjustly reversed my provisional credit despite overwhelming evidence of a 'Bait-and-Switch ' by the merchant. I paid a premium price ( $ XXXX ) for XXXX XXXX, but was served dead, disintegrated, and mushy seafood that was inedible. Most importantly, the merchant publicly admitted in their response to my XXXX XXXX that the seafood had the exact defective textures I reported. They attempted to blame the to-go packaging, but as a culinary fact, overcooked seafood becomes tough/rubbery, while mushy/falling-apart meat is a clear sign of XXXX breakdown from dead XXXX. Wells Fargo 's level 1 agents ignored this written admission from the merchant and failed to protect my funds under the 'Goods Not As Described ' consumer protection standards. I request an immediate, permanent credit of {$230.00} to resolve this matter.

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 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am currently in an active arbitration dispute with Wells Fargo regarding my Wells Fargo XXXX XXXX Card ( Account ending in XXXX XXXXXXXX ). On XX/XX/XXXX, I attempted to access my monthly periodic statements for the years XXXX and XXXX via the Wells Fargo mobile application and online portal. The Wells Fargo interface explicitly states : " Credit card statements are available online for up to 2 years. '' However, my XXXX folder is completely empty, and nearly all of my XXXX statements have been removed or made inaccessible. These documents are significantly less than 24 months old and are subject to a mandatory retention period under federal law. Specifically : 1. Regulation Z Violation : Under 12 CFR 1026.25, creditors are required to retain evidence of compliance ( periodic statements ) for at least two years. By removing these records from my digital access within that 24-month window, the bank is failing its regulatory duties. 2. Duty to Preserve Evidence : Because these records are the subject of a pending arbitration, Wells Fargo is under a legal obligation to preserve them. The removal of this data during a legal dispute suggests spoliation of evidence or an attempt to obstruct discovery. I have screenshots documenting the banks " 2-year '' promise alongside the empty folders for XXXX and 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 2026-05-03 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: Klarna AB
State: CA

Complaint narrative:
On or about XX/XX/year>, I was notified of a Klarna transaction in the amount of {$120.00} for a purchase associated with XXXX. I did not authorize or make this purchase. The order confirmation indicated that the tickets were sent to an email address that does not belong to me, which confirms that this was a fraudulent transaction. On XX/XX/year> I contacted Klarna to report the transaction as unauthorized and requested that the payment be stopped and investigated. Klarna responded that they had already paid the merchant and could not pause the payment, and advised that the balance would still be due. I also attempted to contact XXXX to report the fraud and request cancellation of the order, but I have not been able to resolve the issue through their customer support. I have taken steps to secure my account, including updating my login information and reviewing my payment methods. I have also contacted my financial institution to report the unauthorized transaction. I am disputing this charge as fraud and am requesting that the transaction be canceled, that I not be held financially responsible, and that no negative reporting or collections activity occur while this matter is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: M&T BANK CORPORATION
State: NJ

Complaint narrative:
Please review documents enclosed.Please delete and Block M & T bank XX/XX/XXXXXXXX from all credit reports as well as unauthorized and inaccurate inquiries such as XXXX XXXX ( XXXXXX/XX/XX/XX/XXXX, XXXX Bank ( XX/XX/year> ) XXXX XXXX XXXX ( XXXX ), XXXXXX/XX/XXXX ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XXXX Bank XXXX XXXX ( XX/XX/year> )

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 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: VA

Complaint narrative:
Im writing to file a complaint against JEFFERSON CAPITAL LLC for violating my consumer rights under XXXX XXXX XXXX and 15 USC XXXX ( XXXX ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in XXXXXX/XX/XXXXXXXX ( b ) ( XXXX ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under XXXXXX/XX/XXXXXXXX ( c ) ( XXXX ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-03 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX To Whom It May Concern, I am writing in response to your attempt to collect an alleged debt in the amount of {$1000.00}, which you claim is owed to XXXX XXXX XXXX . I dispute the validity of this debt, specifically the amount being reported and collected. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this alleged debt. Please provide the following : 1. The name and address of the original creditor 2. A complete breakdown of the alleged amount, including principal, interest, fees, and any other charges 3. Documentation bearing my signature showing that I agreed to this debt 4. A complete payment history, including how the amount of {$1000.00} was calculated 5. Proof that LVNV Funding LLC has legal authority to collect on this debt 6. Verification that this debt is within the applicable statute of limitations Additionally, due to discrepancies in the amount you are attempting to collect, I request documentation proving the accuracy and legitimacy of the balance. Until you provide proper validation, you must cease all collection activities. If you have reported this account to any credit reporting agencies, you are required to report it as disputed. If you can not provide the requested validation, I demand that this account be removed from my credit report and that all collection efforts cease immediately. I request that all future communications regarding this matter be conducted in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
IRS Washington DC is Required to Investigate Identity Theft Immediately by Criminal Activity in Unauthorized Mortgage Indemnity Wells Fargo Bank NA XXXX XXXX is Involved in Criminal Tax Indemnity FRAUD XXXX IRS Refund Payment FRAUD {$3000.00} Victim of Character ASSIlNATION XXXX XXXX XXXX FBI Washington DC is Required to Investigate With Impunity

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