vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
I purchase a XX/XX/XXXX year CD with Citizens Access which had a maturity date of XX/XX/year>. On XX/XX/year> I received an email saying my CD was renewed which I never agreed to. New interest rate is much lower, and I absolutely do not want it. I want my money back as the CD I purchased has matured. However, I was told over the phone today on XX/XX/year> that I missed the XX/XX/XXXXday grace period window ( byXX/XX/XXXX days ) and that they would not give me my money back unless I paid XX/XX/XXXXmonths interest as a penalty. This is a disgusting, unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
CFPB CONSUMER COMPLAINT : IDENTITY FRAUD & PROFESSIONAL DEFAMATION COMPANY : Wells Fargo Bank , N.A . ISSUE : Struggling to pay mortgage / Improper servicing Task SUBJECT : Willful Identity Contempt and Professional Libel Per Se I. DESCRIBE WHAT HAPPENED : I am filing this complaint to report a coordinated campaign of Identity Fraud and Professional Defamation by Wells Fargo Bank , N.A . On XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX issued a Final Decree ( Case # XXXX ) legally changing my name to XXXX XXXX XXXX Wells Fargo was provided with an official copy of this Decree on that same date. Despite having actual notice for over XXXX consecutive days, Wells Fargo has willfully refused to update the " Record Title '' on my mortgage account. The Malicious Impact : Professional Defamation : I am a Master's-prepared Registered Nurse and a COVID-19 frontline responder. By willfully publishing a defunct, legally non-existent identity ( " XXXX XXXX '' ) in the XXXX XXXX XXXX for XXXX consecutive weeks, Wells Fargo has committed Libel Per XXXX, damaging my professional standing and personal reputation. Administrative Obstruction : The bank has used this " Identity Gap '' to create a technical barrier, refusing to process my requests for a Payment Deferral because my legal identity does not match their fraudulent internal " System of Record. '' Regulatory Defiance : On XX/XX/XXXX, a representative from the investor ( Fannie Mae ) explicitly stated, " We are not laws, only guidelines, '' confirming that the bank believes its internal policies override a XXXX 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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
debt is owed as a result of identity theft. The amount is XXXX was opened on XX/XX/year>. I believe that my identity has been compromised. the attachments below are the supporting documents to support my 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 explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I deposited a {$230000.00} cashiers check into my law firm trust account. Bank of America put a XXXX business day hold on the check- then notified me it was a XXXX business day hold because they have reason to believe the check may be returned. This happens every single time I have deposited funds into this account. Every time. Im an attorney and I need the funds for a closing this week. I spoke with the branch manager and she escalated it but told me I would have better luck calling the business line. I called the business line and escalated the call to a manager who told me that it was purely speculative why the bank put a hold on the funds and they can not tell me why. I told her that I read Regulation CC and asked for a more specific reason because I believe the hold is improper ( I have a pattern of depositing large checks ), or asked that she put me in touch with someone who could help because my client will be greatly hurt if we cant close for another week- and it puts the deal in jeopardy. She said there is no one higher than her and no one else I can speak with, and its my clients fault because they gave me a cashiers check and not a wire. She also said for additional information, I should read their website for information about check holds. I advised that I needed additional information so I can delay the closing ( and not get sued for malpractice ) but she couldnt give me additional information. Considering this is a systemic pattern, I believe Bank of America is using this hold to float the money. Either they need to release the funds sooner than XXXX business days, or give me a specific reason why there is a hold on this specific deposit.

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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
b'I financed a vehicle with credit acceptance in XX/XX/XXXXthe account was closed as of XX/XX/XXXX. It has since been reported consistently as (closed) with a balance of $14,400 to all three credit bureaus for the years. \nAlthough the account was reported to the credit bureaus as closed, I was receiving documentation claiming the account was open with a substantially higher balance ($21,000)\n\nI disputed this account with the credit bureaus, and which told my dispute was denied because credit acceptance confirmed that the information they were reporting was accurate. \nThey are reporting a balance of $14,400\nThe attorney they hired to collect the debt is reporting $15,560, the documentation I have from the same attorney that they hired is claiming the balance is $20,050 with $5670 worth of interest since the account has been closed. \nAfter credit acceptance in repossessed the vehicle, they sold it at auction and did not disclose the amount of money they received for the vehicle, nor does the sale of the vehicle reflect the remaining balance owed.\nFor the last XX/XX/XXXXyears, they have reported this account as closed and as of todays date, it is being reported on my credit as open derogatory collection.\nIt should also be known that my Trans Union Equifax and Experian credit report inform me of any discrepancies on my credit report and there are XX/XX/XXXX) discrepancies reported on my credit specifically pertaining to this credit acceptance account. \nThese discrepancies can easily be proven through documentation or my credit report and they range from inaccurate reporting of payment, payment dates, reported balances and status of account.\nDo to the consistent in accuracy in their reporting, the conflicting balances and the contradicting statuses of this account being reported, I am requesting it be removed from my credit report completely as it is negatively affecting my life and my ability to move forward with providing for my family.'

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Unions continued denial of banking services and membership privileges based on an alleged prior debt that was included in a XXXX XXXX bankruptcy filed in XXXX. The account in question dates back to approximately XXXX and was subsequently charged off and sold to a third-party debt buyer ( XXXX XXXX ). This debt was later included in my bankruptcy filing and should be considered legally discharged. Despite this, Navy Federal Credit Union continues to internally flag my profile and deny me access to standard financial services. When I contacted Navy Federal, I was informed that they could not assist me and that I would need to resolve the matter with the third-party debt buyer. However, this creates a conflicting and unfair situation, as the debt has already been discharged through bankruptcy and should no longer be used as a basis to deny services. Additionally : * Navy Federal has not provided any written explanation of their internal decision or policy. * They have not provided a clear or actionable path to reinstate my membership. * They continue to rely on outdated and legally discharged information to deny access. This practice appears to be unfair and potentially in violation of consumer protection standards, as it effectively penalizes me for a debt that has already been resolved through the legal bankruptcy process. I am requesting the following : XXXX. A full review of my account and internal status. XXXX. Written clarification of the specific reason for denial of membership/services. XXXX. Confirmation that discharged debts are not being improperly used to deny access. XXXX. A clear and actionable path to restore my membership and access to financial services. I am attempting to resolve this matter in good faith and would prefer to continue a relationship with Navy Federal Credit Union, but I need transparency and fair treatment under applicable consumer protection laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Waypoint Resource Group, LLC
State: MN

Complaint narrative:
" On XX/XX/XXXX, I was promised a 'Pay for Delete'/debt recall in exchange for payment. I paid in full, but XXXX has not recalled the debt from Waypoint Resource Group. This is a billing and service agreement violation. XXXX charged me a fee for equipment I never received after I canceled my service with XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, recently someone stole my social security information and they made a very big withdrawal from my account of {$6000.00} ). The bank ( Chase ) refusing to give me my money back even after i opened a claim with them. I honestly dont know what to do as Im loosing my mind over this. Chase supposed to be a serious bank but apparently is not! Do not trust your money to them ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit score is not changing and they have inaccurate account balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My credit score is not changing and they have inaccurate account balances.

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 non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) - 15 U.S.C. 1681i ( a ) ( 6 ) - 15 U.S.C. 1681e ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. This is formal notice of intent to sue for failure to properly investigate and verify disputed accounts. You have XXXX days to delete all inaccurate accounts or I will proceed with complaints and legal action. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint as a follow-up to a prior CFPB complaint regarding American Express XXXX which remains unresolved. Despite my previous complaint and the companys response, American Express continues to report my account as delinquent, even though my inability to make payments was directly caused by their own system failures, payment processing errors, and account restrictions. This is not a case of simple non-payment. From XXXX through XX/XX/year>, I made repeated and documented attempts to make timely payments. However, due to multiple system issues, including : * incorrect bank account handling, * AutoPay failures, * account holds, * invalid or blocked payment methods, * and inconsistent system responses, I was effectively prevented from completing payments. At the same time, American Express continued to apply fees, interest, and negative reporting. The company has provided multiple inconsistent explanations for the same events, including : * use of a closed account, * AutoPay not properly set, * cancellations on the bank attached to AutoPay, * Check Truncation Return, * State law prohibits PPD. These explanations are contradictory and indicate a failure to properly investigate and resolve the issue. Despite acknowledging some issues by issuing partial credits, American Express has refused to : * correct or remove negative credit reporting, * refund related interest charges, * or provide a clear and verifiable technical explanation. Reporting my account as delinquent under these circumstances is inaccurate and unfair, as the inability to pay was directly caused by the companys own system failures and restrictions. Additionally, after the CFPB complaint process, the company failed to provide a meaningful resolution or engage in a reasonable settlement process. As a good-faith effort to resolve this matter, I have offered to settle the account based on the balance of {$680.00} ( prior to the system failures ), by paying 20 % of that amount as a full and final settlement, conditioned upon correction of credit reporting and account closure. This offer has not been properly addressed. I am requesting : * immediate correction or removal of any negative credit reporting related to this account, * a full investigation of the system failures and payment processing errors, * refund of all interest and improper charges, * and proper resolution of this matter based on the documented evidence. This complaint is being submitted due to the companys failure to resolve the issue after the prior CFPB complaint and continued inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Description of complaint : I saw on my credit report that I had a collections account in XXXX when Experian notified me on XX/XX/XXXX. I paid off the account on XX/XX/XXXX. The account was only in collection for a week. I was told by the collection agency Harris and Harris and by XXXX that this would be deleted from my credit report. I called today and XXXX told me that they will not delete it. When I called last week, the representative said that she would put a ticket in with the collection company Harris and Harris to delete it. i paid the bill off through my XXXX Account. I was in the hospital and had XXXX twice between XXXX and XXXX. I also moved in XXXX. I would not have allowed this to go in collection but I had a lot going on and had to see a XXXX for 3 months XXXX times a week. Also I attached the alert that I received from XXXX on XX/XX/XXXX showing where the collection account was added to my credit report. Harris and Harris said that the account was open in XXXX. This is not accurate. They also never sent to me written notice in the mail about this collection account. I just recieved the alert and saw it on my credit repor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint regarding the closure of multiple credit card accounts by Synchrony Bank. All of my accounts were in good standing, with 100 % on-time payment history and XXXX balances at the time of closure. I have never missed a payment, and my accounts were managed responsibly at all times. Despite this, Synchrony Bank closed all of my accounts ( XXXX accounts closed simultaneously : PayPal Mastercard, PayPal credit, XXXX, Guitar Center, Care Credit, XXXX, XXXX & XXXX, XXXX XXXX XXXX ) without providing a clear or sufficient explanation. This action has negatively impacted my credit profile by significantly reducing my available credit and increasing my credit utilization ratio, which has resulted in a drop in my credit score. I respectfully request : 1. A detailed explanation for the closure of my accounts 2. Consideration for reinstatement of the accounts or restoration of my credit lines 3. That Synchrony Bank ensure accurate reporting to all credit bureaus, reflecting that the accounts were closed in good standing I believe this situation is unfair given my excellent payment history and responsible use of credit. I appreciate your assistance in resolving this matter, attached are all the 8 letters that I received from Synchrony Bank.

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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Viking Client Services
State: MN

Complaint narrative:
I am filing a complaint regarding a debt being collected on behalf of XXXX XXXX XXXX following a rental car incident. After the incident, my insurance company ( XXXX ) reviewed XXXX claim and paid {$14000.00} toward the vehicle damage. XXXX agreed to accept this payment after the claim was reduced. The remaining amount now being pursued consists of additional fees, including loss of use, administrative fees, and diminished value. These are the exact charges my insurance company reviewed and declined to pay because they were not supported or considered valid. Despite this, XXXX and the collection agency are attempting to collect these same charges from me. I disputed the debt in writing and requested validation. In response, the collection agency simply sent the same demand materials from XXXX without explaining the additional charges or how the remaining balance was calculated. The only portion of the claim that has been substantiated is the vehicle damage, which has already been paid. The remaining charges are unsupported and appear to be standard add-on fees rather than actual losses. Additionally, the amount being collected does not reflect the adjusted claim amount accepted by XXXX and has not been properly reconciled. Despite my dispute, collection efforts have continued without meaningful validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: TX

Complaint narrative:
Im filing this complaint because there are collection accounts showing up on my credit report that are not mine. I keep a close eye on my credit, and these accounts suddenly appeared without my knowledge or permission. I never approved or had anything to do with them, and its frustrating and unacceptable to see wrong information reported under my name. This needs to be investigated and fixed right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
XXXX XXXX transfer mortgage to PHH without notice from either company. Website shutdown. Found i formation by web search and found news article. I made XX/XX/XXXX payment to XXXX XXXX XX/XX/XXXX, XXXX XXXX removed funds from the bank XX/XX/XXXX which was unusual. Called PHH twice a month from XX/XX/XXXX to XX/XX/XXXX with company response " You Are not in the system, we can not take payments for an account that doesn't exist. XXXX is was in their system and still refused to take my payment. XXXX i received Foreclosure notice. Called, tried ro make arrangements to fix any issues, sent in forms, payment receipts, bank statements, and income verification letters. PHH sent my mortgage to collection, which made me ineligible for assistance. Also made me ineligible to take out bank loans to pay off past due balance. VA assistance funding for XXXX and VA Home Loan overview was expired and unavailable due to XXXX oversite. VA gave me a list of veterans assistance like Tunnel to Towers but PHH mortgage deline was to close for their interventions. I now have 9 days till foreclosure- i am legally XXXX, PPMS, lost of waste control due to toxic exposure in the XXXX XXXX XXXX I need help or someone to hear me, I have none. I have all documents to upload if anyone can help.

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