vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp
State: OK

Complaint narrative:
Request to Validate Medical Debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX Amount of debt : XXXX Date of Service : XX/XX/year> Provider of Service : XXXX XXXX XXXX XXXX XXXX XXXX Dear collection agent, I received a bill from you on XXXX and as allowed under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from [ name of hospital/doctor ], but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . * Please provide breakdown of fees including any collection costs and medical charges. * Provide a copy of my signature with the provider of service to release my medical information to you. * Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which 1 am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: OK

Complaint narrative:
I am filing this complaint against Westlake Financial due to deceptive timelines, employee misconduct, and an refusal to adjust my payment due date to reflect the actual date of vehicle delivery and loan funding. On XX/XX/XXXX, I digitally signed auto loan paperwork with a Westlake loan agent. I paid my down payment to the dealership under the explicit written and verbal pretense that funding would be issued immediately and I would take possession of the vehicle that day. Following my payment, the Westlake loan agent engaged in a hostile verbal argument with the dealership 's sales manager, resulting in both parties hanging up on each other. Due to this Westlake was unable to meet its promise. And I was unable to pick up the vehicle u til almost XXXX weeks later. The dealership still wanted to receive the money and their insurance doesnt allow them to release the vehicle without any payment or notice of payment being sent. The loan agent changed his mind after the fact and decided I should pick the car up first before he send the check to the dealership. That didnt make any sense. He also tried to convince me to get a different vehicle from a different car lot. I had to convince the car lot to let me take the car and still go through with the deal. But why would the loan agent be trying to get me to get a different car if the paperwork I signed on the XXXX was already in effect and I was already held to be paying for a car that Westlake never sent the money for and that I still hadnt picked up from the car lot? So if I hadnt picked the car up XXXX weeks later when the deal finally went through -when Westlake decided to hold up their end of the bargain, thats means Id be paying {$360.00} every month on the XXXX for a car that I never picked up and that Westlake never paid for??? It doesnt make sense. The payments should start on the XXXX of every month. Or even the XXXX because even after getting the car Westlake still didnt remember to send the loan u til we called them a few days later to check and they said sorry oops. Now they say I owe them on the fourth but they didnt even hold up their end of the bargain and why would I pay them on the fourth when nothing even happened until the XXXX? No money was sent no car was picked up. And it was because of the agent accusing the car dealership of being shady or shifty. I have the car now. Its all good now. But I shouldnt have to pay Westlake on the XXXX correct? They didnt fulfill their end of the contract tbh at was signed on the XXXX. Also why would they be trying to get me to buy a different car if that was already contracted?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: FL

Complaint narrative:
Firstly, I called AMEX on XX/XX/XXXX explaining I didnt receive my card on the mail, I realized it was being used when I got letters from AMEX in the mail with many bills of these transactions made in several retail stores. AMEX sent an email confirming the cancellation would be effective on XX/XX/XXXX. Later I started receiving emails from AMEX charging the transaction I didnt make. I saw today ( XX/XX/XXXX ) they dropped my credit score so I decided to called again just for them to tell me that the account was sent to a collection account. AMEX gave me the phone number and the lady I spoke to said that theres an existing complaint and theyre working on it. She basically asked for patience to solve the problem and they might contact me later to request more information. This situation overall is very contradictory from AMEX end and I thought they were actually working on it and I could disregard these emails charging me the amount of XXXX USD because I thought they were automated emails form the account and then theyd solve that balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On or about XX/XX/year> several of my bank, credit card, and XXXX accounts were compromised. I contacted Bank of America first as I was first notified of authorized payments being cancelled. I learned that someone accessed my account approximately XXXX ( while I was asleep ) and was able to send {$7200.00} via XXXX to various recipients they added. I did not authorize these additions, nor did I approve the money being sent. They sent 4 different transactions. Bank of America took a few days and responded to say they were denying my claim because previously approved login was used her. Well guess what? If someone steals your login information, they will have previously used login information. At any rate, I have subsequently filed a report with my local Sherriff 's office, the FBI, and will now be forced to contact BOAs corporate office. Eventually filing a lawsuit if needed.

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 2026-06-02 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: TX

Complaint narrative:
I am filing this complaint against American Express XXXX regarding a total failure of service for a round-trip international itinerary to XXXX ( Confirmation : XXXX ). On XX/XX/year>, an XXXX XXXX ( XX/XX/XXXX) agent error caused my entire itinerary to be improperly canceled. Despite being checked in at the gate at XXXX, I was Involuntarily Denied Boarding ( IDB ) because my seat had been given away due to this cancellation. I have spent months attempting to resolve this with American Express. While they opened a XX/XX/XXXXComplaint ( XXXX ), American Express XXXX corporate representatives explicitly stated via a recorded phone call that they will take no further action, claiming the dispute is strictly between the airlines ( XXXX and XXXX XXXX ) . My Position : As the merchant of record and the agency that processed my payment, American Express is responsible for the delivery of the travel services purchased. Their failure to enforce the contract with their partners or provide a refund for a service that was never rendered is a violation of consumer financial protection standards. I have already filed a formal complaint with the U.S. Department of Transportation ( XXXX Case : XXXX ). Desired Resolution : I demand that American Express, as the seller of this travel package, provide a full refund of the airfare and reimbursement for all non-refundable consequential damages ( including missed cruise, hotel, and incidental travel costs ) caused by their failure to protect my itinerary. I also seek the mandatory {$2100.00} Denied Boarding Compensation as required by 14 CFR Part 250. I have a full audio recording of American Express refusing to assist, which can be provided to investigators upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NEW YORK COMMUNITY BANCORP INC
State: NV

Complaint narrative:
I am writing regarding the systemic mishandling of my hazard insurance proceeds escrow account following a house fire at my property in XXXX. For the past XXXX months, XXXX XXXX has repeatedly refused to provide verification of account disbursements. I am formally requesting a complete accounting and proof of payment for all disbursements made from my insurance proceeds/loss draft escrow account to any contractors. Specifically, qued 's construction. They keep requesting information repeatedly that they have already been given, such as my father ( owner ) death certificate. Holding up my case.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: MI

Complaint narrative:
] # # Consumer and account information - Consumer/secured party : XXXX XXXX XXXX XXXX XXXX XXXX Financial institution : PNC Bank XXXX Account ending : XXXX - Product category : Checking or savings account. [ 1 ] [ 2 ] - Issue category : Deposit hold or funds availability delay related to a check deposit. XXXX XXXX XXXX XXXX XXXX XXXX # # Complaint narrative A check in the amount of {$680.00} was deposited into the PNC Bank account ending in XXXX. After the deposit, only {$0.00} was made available, and the bank stated that the remaining funds would be held until XX/XX/year>. PNC representatives gave pushback when asked to explain the hold and did not provide a clear, satisfactory explanation of the specific exception being used to delay access to the funds. Under general funds-availability rules, deposited check funds are ordinarily made available on a set schedule, and an exception hold must be based on a specific permitted reason with notice to the customer. XXXX XXXX XXXX This complaint concerns whether PNC Bank properly applied its funds-availability policy and whether it provided an adequate explanation and notice for holding this deposit until XX/XX/year>. XXXX XXXX XXXX XXXX XXXX XXXX The consumer requests a formal review of the hold, confirmation of the exact reason for the delay, and prompt release of the funds if the hold was not properly applied. The consumer also requests that PNC provide any hold notice, the date the notice was issued, the exception relied upon, and the precise date on which the remaining deposited funds will become available. XXXX XXXX XXXX XXXX XXXX XXXX # # Fair resolution requested A fair resolution would include : - Immediate review of the deposit hold by PNC Bank. - Written confirmation of the exact policy or Regulation CC exception used to delay funds availability. [ 3 ] - Release of the remaining deposited funds as soon as permitted, or immediately if the hold was placed in error. - A written explanation showing the date of deposit, the amount deposited, the amount made available, the amount withheld, and the date the remaining funds will be released. - Correction of any internal error if the deposit was misclassified or handled inconsistently with PNC 's disclosed funds-availability policy. [ 5 ] - Assurance that no fees, overdraft charges, or negative consequences will result from the delayed availability if the hold was improper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I have been completely unable to log into my Robinhood account. Every login attempt fails with the error message : " Your login couldn't be completed at this time. Please try again shortly. '' I have taken the following steps to resolve this : Contacted Robinhood support multiple times via email and phone with no accurate response Reached out via XXXX ( XXXX XXXX ) and was told to contact support via email Tried logging in on different devices, networks, and browsers Uninstalled and reinstalled the app Despite these efforts, my account remains inaccessible. I can not view my holdings, access my funds, or perform urgent transactions. This means I have been locked out of my own investment account and funds with no explanation and no resolution from Robinhood. Robinhood has failed to respond to support requests in a timely manner and has provided no explanation for why my account access has been blocked. I am requesting that CFPB intervene to require Robinhood to restore my account access immediately and provide a clear explanation for why my account was locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: SC

Complaint narrative:
So when I first got this vehicle from a dealership, I was telling them about this noise. I was hearing on this vehicle. Also, I was paying extra money for a warranty every time I brought it to their attention and this noise Ive been hearing since day one they act as though they wasnt hear anything and anything I brought to their attention like the sunroof was stopped working. They kept saying that my warranty that I was paying extra money for with my car payment on time that it didnt cover anything. I let someone look at the vehicle when I moved out of town and they told me exactly what was wrong, which was very dangerous for me and my kids to be in this vehicle when I brought it to the dealerships attention they avoided, helping me with the situation. Let me remind you Ive been bringing this up to them since the first day I got this vehicle and I saw that in the system. So I told them instead of me making my payments on time Im not making any more payments until they help me resolve this issue that they sold me a mental vehicle for so much money and then ignored me which put me in my kids in danger. So I let them come get it because why would I keep making payments or something that I can not drive without feeling nervous and scared that me and my kids was going to be in an accident. That was not OK at all. At the time they came to get the vehicle it was 3 XXXX in the morning. When I found out where it was that I asked can I get my kids belongings which consisted of a dirtbike I just bought them things to get a oil change in cool packs for truck and they told the place that had the vehicle that I could not get anything out of there. Which left me and my kids upset, especially due to everything that Ive been through with the vehicle in the first place, so as far as them putting repossession on my credit to hinder me for moving on with My Life with with the company put me through. They should put that I let them come get it, which I told the dealership that that they could come get it. It doesnt make sense. I need this removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I officially deny any involvement with the creation or approval of the listed accounts. Kindly review and remove them after verification. Supporting materials are enclosed. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: FULTON FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am formally disputing an escrow shortage of {$1000.00} and the resulting monthly payment increase. My mortgage servicer ( Fulton Mortgage Company ) claims this shortage is due to an 'underestimated tax assessment on a newly constructed home. ' However, official assessment records from XXXX XXXX confirm that the property 's taxable assessment value has remained stable at {$540000.00} from XXXX to XXXX. Therefore, the servicers justification for this shortage is factually incorrect and contradicts public record. Furthermore, my 'Account History ' shows that I paid {$5300.00} into the escrow account over the past year, while the servicer only disbursed {$5100.00} for taxes and insurance. Despite having collected a surplus, the servicer is claiming an escrow shortage, which indicates an internal accounting or projection error rather than an actual tax or insurance event. The servicer has refused to correct this, stating they have 'provided all the information they can, ' despite providing documentation that confirms my assessment has not changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding Carrington Mortgage Services and respectfully requesting an executive review and goodwill adjustment for the late mortgage payment ( s ) reported on my credit file. I have made efforts to resolve this matter directly with Carrington Mortgage Services ; however, I was advised that adjustments are not made. I am requesting a fair and thorough review of my account history and circumstances. My mortgage is currently in good standing, and Carrington Mortgage Services is no longer my loan servicer. I have worked diligently to maintain my financial obligations and have taken responsibility to remain current. However, the reported late payment ( s ) are significantly impacting my ability to qualify for financing and move forward with homeownership. Due to temporary hardship circumstances during that period, I am respectfully requesting a one-time goodwill adjustment for the reported late payment ( s ). I am not disputing my responsibility ; rather, I am requesting compassion and consideration based on my overall payment history, current standing, and efforts to resolve this matter in good faith. I respectfully request that Carrington Mortgage Services : Conduct an executive review of my account Consider a goodwill adjustment/removal of the reported late payment ( s ) Provide a written response regarding the outcome of their review Thank you for your time and consideration in this matter. I appreciate a fair review of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CO

Complaint narrative:
I signed up for a Chime checking account using the sign up promotion they have been advertising. This sign up bonus states Chime will provide the account with {$200.00} once a qualifying direct deposit is made. I ensured and confirmed with support that I completed all of the necessary activities to receive the bonus, however, Chime is now stating they do not see the bonus associated with my account and will not attempt to resolve the issue. I searched online to see if this was caused by something I did and I found that this is a common experience with Chime. They are committing a bait and switch by getting users to sign up for this bonus and then stating they can not see it in their system. I will provide further anecdotal examples via links below. My experience and the below examples show that Chime has a clear history of using bait and switch practices to get consumers to sign up for an account and then deny the sign up bonus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have been paying on my care credit balance every month due to seeking treatment for my dog who was battling XXXX and was unaware there was a deferred interest rate on my credit line and now I am being charged almost XXXX every month for interest and its not even touching the balance. After paying religiously each month my balance went down by a single dollar. Their representatives say I have to pay the full balance or they will charge me more interest each month and not just the APR. This is predatory lending.

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