vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: IL

Complaint narrative:
I have a new moprtgage servicer that stated I need to send in documents. I emailed the documents but I haven't received a confirmation. I have called repeatedly but have a hard time getting someone on the line. I would call and get a message stating that someone would call back the same day and I wouldn't receive a call. I finally spoke to a rep XXXX weeks ago that promised that I would receive an email with the requested info within XXXX business days. I still don't have the info. The rep also wasn't able to confirm the payment amount. They also haven't responded to my emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: OH

Complaint narrative:
I am filing a complaint against Credit Karma Money ( issued by XXXX Bank ) regarding denied fraud disputes for unauthorized debit card transactions. On XXXX XXXX, 2026, XXXX unauthorized transactions totaling {$1000.00} ( {$490.00}, {$510.00}, and {$12.00} ) were charged to my account as XXXX balance additions. I did not authorize these transactions, did not benefit from them, and reported them promptly on XX/XX/year>2026. Despite reporting the fraud within XXXX day, my disputes for the XXXX transactions were denied. I believe this decision is incorrect and not consistent with my rights under Regulation XXXX, which protects consumers from unauthorized electronic fund transfers when reported promptly. These transactions appear to be consistent with known fraud patterns involving XXXX balance funding. Additionally, my account was flagged and restricted by XXXX following the dispute, further indicating suspicious activity. I am requesting : XXXX. A full re-investigation of the denied disputes XXXX. Documentation and evidence used to determine that the transactions were authorized XXXX. Reimbursement of the unauthorized transactions totaling {$1000.00} I have acted in good faith and reported the fraud immediately. I did not authorize these transactions and should not be held liable. Please resolve this matter promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Paid off my mortgage with Huntington Bank at the end of XXXX this year. I had an overpayment of XXXX for property taxes that was sent back to Huntington Bank in XXXX. After seven phone calls and a few emails, I still have not received my refund. I have been told on more than one occasion that a check has been sent out or a direct deposit will be made. This has been going on since the end of XXXX with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am filing a complaint regarding an unresolved fraud dispute on my Apple Card ( issued by Goldman Sachs ). On XX/XX/year>, my Apple Card was charged {$9.00} by XXXX. I did not authorize this transaction and I do not have an XXXX account. I immediately disputed the charge. On XX/XX/year>, a temporary credit was applied to my account while the investigation was pending. On XX/XX/year>, I was notified that the dispute was denied. The reason given was that the transaction was authorized and that a refund had already been issued. The temporary credit was then reversed and I was charged again. This determination is incorrect for the following reasons : I do not have an XXXX account and have never authorized any XXXX transactions. I did not receive any refund to my Apple Card. The company has not provided proof that the transaction was authorized by me. The company has not provided proof that any refund was returned to my Apple Card ( including transaction ID or matching card details ). I requested that the company provide documentation supporting their decision and proof of where the alleged refund was sent, but this has not been provided. I disputed the charge again on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
An individual contacted me claiming to be calling from Wells Fargo. He stated that he is increasing my XXXX limit from {$500.00} to {$1000.00}. During this process, he transferred {$500.00} via XXXX and {$1000.00} through my XXXX account.

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 2026-03-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I purchased a supplier sourcing service for approximately {$1700.00} which was split into XXXX transactions. Capital One already refunded the XXXX payment because the service was not delivered. The XXXX charge of {$690.00} is for the exact same service that was never fulfilled. The seller refused to provide supplier contact or proof of fulfillment. My dispute was closed due to a timing issue, but the charge is part of the same transaction Capital One already partially refunded. I am requesting a review of the remaining charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Order # XXXX ( XXXX ) I. On XX/XX/XXXX, at approximately XXXX XXXX, I followed the merchants mandated " Happy Returns '' protocol by surrendering three items at an authorized XXXX XXXX location. I witnessed the agent scan the items into the merchants system using XXXX XXXX XXXX. Per the merchants " paperless '' return policy, no physical receipt was provided at the point of surrender. II. On XX/XX/XXXX, XXXXover 30 days after the return was perfectedthe merchant sent an automated notice claiming the return had " expired. '' By the time this notice was issued, the merchant had already purged the digital record of the XXXX scan from their consumer-facing portal, effectively destroying the only evidence of my compliance with their return policy. I attempted to contact XXXX multiple times to confirm my refund, waiting over an hour in chat queues with no human response. So, on XX/XX/XXXX I initiated the American Express dispute. III. American Express reinstated the charge of {$98.00} on XX/XX/XXXX. The " proof '' submitted by XXXX to defeat the disputeand accepted by American Expressexpressly listed the order status as " NOT SHIPPED. '' American Express accepted " Not Shipped '' status as valid proof of a delivered and billable purchase, ignoring the fundamental contradiction in the merchants own records. IV. I appealed the reinstatement on XX/XX/XXXX and it was reinstated on XX/XX/XXXX. I tried multiple times to resolve this with the merchant, but for almost a month I was stonewalled. On XX/XX/XXXX, I initiated another formal appeal with XXXX XXXX uploaded extensive supporting documentation to the American Express portal. On XX/XX/XXXX, an American Express agent admitted via chat that uploaded documents require 48 hours to " reflect '' on an account. Nevertheless, American Express summarily closed my appeal in less than 24 hours. This rapid closure, occurring before the documents were even viewable by an adjuster, constitutes a failure to conduct a " reasonable investigation '' under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and a deceptive act under New York General Business Law 349.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year>, my purse was stolen in the city of XXXXXXXX XXXX XXXX. The very moment I realized that my car door had been opened, I attempted to call the banks associated with the cards I carried. However, one of these cards belonged to my company, and that is the one causing me problems ; they refuse to accept my claim because they assert that, based on my transaction history, I have personally benefited from the funds in question. It is as if they are implying that I staged the theft myself. I had used that card only twice during the entire time I possessed itspecifically to purchase materials for my companyyet they continue to make these accusations against me. I have a police report, which I presented to them, but they refused to accept it. Furthermore, whenever they sent me a letter, I would call them, only to receive an absurd responsesuch as claims that I had accepted the charges or that I had closed the case myselfneither of which I had ever done or said. I even visited one of their offices in person ; a representative there called them on my behalf, but they offered me only two options : either I pay the balance, or they report me to the credit bureaus. This strikes me as completely unfair, given that I was the victim of a theft ; I even had to spend my own money to replace my stolen personal documents, and now they expect me to repay the very funds that were stolen.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PACIFIC PREMIER BANCORP, INC.
State: MI

Complaint narrative:
This debt collector has not provided me proper debt validation for this allege debt. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. XXXX ( a ), you must complete this reinvestigation within XX/XX/XXXX days of receipt of this letter.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was charged a fee which I believe should not have been charged. I asked the bank to produce a written fee schedule and Huntington Bank refused to provide a written fee schedule.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 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: MD

Complaint narrative:
I had a fraudulent deposit into my account forcefully. Then the funds were forcefully removed from my account. When I submitted my claims the reps wrote information that I did NOT say and things untrue which I believe may have affected my claims outcome. 2 separate claims when I read the submitted information I realized what was entered was NOT exactly what was discussed.

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 2026-03-26 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, I scheduled a rent payment of {$1500.00} through Bilt Rewards and cancelled it before it was processed. Despite the cancellation, the funds were debited from my checking account. Bilt initially stated the payment was cancelled, but their system also showed it as completed. No corresponding payment was received by my landlord, and no transaction was recorded in my XXXX account tied to this payment. On XX/XX/year>, Bilt confirmed that the payment was reversed under Payment ID XXXX and advised that the funds would be returned within 4 to 7 business days. As of XX/XX/year>, the funds have not been returned to my account. I am requesting confirmation of the location of the funds and the immediate return of {$1500.00} to my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Any account in dispute must be resolved in accordance with applicable legal timelines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Issue : Account closed without notice ; failure to honor advertised checking account bonus after requirements were met. Details : I opened a BMO Harris Bank checking account ending in XXXX on XX/XX/XXXX under a promotional offer. The offer stated that if I received {$4000.00} in qualifying direct deposits within XXXX days of account opening, I would receive a {$400.00} welcome bonus. I met the direct deposit requirement within XXXX days of opening the account. Since the account had no monthly maintenance fee, I moved the remaining balance to another bank for investment purposes, expecting the bonus to be paid by XX/XX/XXXX ( XXXX days after completing the requirements ). On XX/XX/XXXX, when I logged into my online banking, I discovered that my account had been closed without my consent or any prior notification. I immediately contacted customer service and was told that BMO Harris had terminated my account on XX/XX/XXXX. I was never informed that the account would be closed due to a XXXX balance. My last activity on the account was on XX/XX/XXXX, and the bank closed the account more than a month later, despite the fact that I had fully met the bonus requirements. As a result : - I lost access to the account without warning - I did not receive the {$400.00} bonus that I earned under the terms of the promotion- I was not given any explanation or opportunity to keep the account open This is unfair and inconsistent with the advertised terms of the promotion. I am requesting that BMO Harris Bank honor the {$400.00} bonus as originally promised. Requested Resolution : I request that BMO Harris Bank reimburse the {$400.00} promotional bonus that I qualified for and should have received.

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 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
A derogatory mark was placed on my credit reports for {$760.00} from Rental Recovery Solutions, I contacted them and they informed me that they do not own the debt. They only service the debt, and the property owns it and utilizes them to recover the debt. The property is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX owned and operated by XXXX XXXX. I have a final account statement and recordings of the Account Manager, XXXX XXXX, confirming that the debt is invalid. The debt servicer confirmed that this could simply be resolved in XXXX ways, snail mail or the property account manager contacts them to remove the blemish. I've informed XXXX and no action has taken place. The back story was that the unit below mine was deemed uninhabitable due to an extreme amount of black mold and the fire department informed me that my family and I should not be residing above that unit. A few weeks prior, I signed a new lease agreement and immediately informed the property manager, XXXX XXXX, that I'd like to be let out of my lease as this would be the second apartment I have inhabited with them in my XXXX XXXX stay that has been made uninhabitable due to mold. She released me from my lease without any recourse, and the property issued me a refund of my security and prepayment for the month I paid ahead. I can provide the final account summary and email but if you'd like the recordings and images throughout this issue. I can provide them separately.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC, XXXX. I am writing to formally dispute a collection account reported under my name by XXXX XXXX Investment, account number XXXX, for the amount of {$2100.00}. I do not recognize this debt, nor have I entered into any agreement or transaction that would result in this obligation. On reviewing my credit reports from XXXX XXXX XXXX XXXX I noticed this erroneous collection account, which has severely impacted my credit scoresXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Not only is this debt not mine, but it also violates my rights under the Fair Credit Reporting Act ( FCRA ), which ensures that all information reported is accurate and verifiable. I have attempted to resolve this issue by contacting XXXX XXXX XXXX directly, requesting validation of the debt, and providing evidence that this account does not belong to me. To date, I have not received any documentation proving I owe this debt, nor any acknowledgement of my dispute. The presence of this account on my credit report is causing significant harm, affecting my ability to obtain credit and secure favorable financial terms. It is crucial for my financial well-being and future opportunities that this matter is resolved promptly. I respectfully request the complete removal of this account from all three major credit bureausXXXX XXXX XXXX XXXX. This action is necessary to rectify the inaccuracies in my credit reports and to restore my credit scores to their rightful standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Our checking account was compromised due to unauthorized access, and the bank closed the account and issued a replacement account on XX/XX/year>. After the new account was opened, we identified XXXX unauthorized transactions labeled Miscellaneous Debit : {$1300.00} on XX/XX/year> {$7.00} on XX/XX/year> These transactions were not authorized by us. We promptly contacted the bank to report the issue and initiate a dispute. Despite multiple follow-ups over more than 10 days, the bank has failed to properly address or resolve these unauthorized charges. Each time we contact customer service, we are told there is no record of the issue and are instructed to restart the dispute process. This has now occurred multiple times, causing significant delay and frustration. We have spent more than XXXX hours on the phone attempting to resolve this matter, without any resolution or meaningful progress. We are requesting an immediate investigation, confirmation that the dispute is properly documented, and full reimbursement of the unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have notified Capital One Bank of a fraudulent checking account opened in my name and supplied them with multiple identity theft reports from numerous agencies. Also supplied them with documentation from companies notifying me of my personal information being compromised due to data breach/leaks. I have sent several emails and made several phone calls to clear my name of the fraudulent account however Capital One Bank has been uncooperative.

Company response to consumer: Closed with explanation