vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I am filing a complaint regarding a deed-in-lieu of foreclosure process with Navy Federal Credit Union that has now been ongoing for approximately two years without resolution. Despite fully complying with every document request within days, the process has been repeatedly delayed due to failures by the attorney assigned by Navy Federal. Documents have been incorrectly prepared or rejected multiple times, requiring resubmission and causing significant and unnecessary delays. As a result of this prolonged process, I have suffered substantial financial harm. I am currently 522 days past due, with an overdue balance of {$45000.00}. My current loan balance is {$320000.00} on an original loan amount of {$330000.00}, and my next payment of {$47000.00} is required to bring the loan current. I have also been forced to continue carrying property taxes ( now delinquent ), insurance, and utilities throughout this unresolved process. Additionally, my credit has been negatively impacted, and I have concerns that the reported balance and status may be inaccurate given the circumstances. Most critically, this delay now places my VA loan entitlement at risk. I am a 100 % permanently and totally XXXX veteran, and the potential loss or impairment of my VA entitlement due to prolonged inaction and mismanagement is unacceptable. Because the attorney handling this matter was assigned by Navy Federal, I believe the lender is responsible for these delays and failures. A deed-in-lieu process should not reasonably take this long, especially with full borrower compliance. I am requesting immediate escalation, a clear explanation for the delay, correction of any inaccurate credit reporting, and a defined path to resolution. I also request review of whether Navy Federal has met its obligations in properly handling this loss mitigation process. This situation has caused ongoing financial, credit, and personal hardship and requires urgent attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: GA

Complaint narrative:
My count was fraudulently hacked after I filed my taxes through XXXX XXXX used Credit Karma. My Credit Karma monwy account was hacked and all monwy was used fraudulently. I contacted Credit Karma they closed my account XX/XX/year> and filed disputed. According to their policy they have to give me the provisional credit in 10 days if they are still investigating. They gave me the provisional credit that yesterday XX/XX/year>. Now they emailed me this morning stating that my disputed has now been closed and my provisional credits willl be reversed. They said that only one transaction was approved for fraud which is XXXX but if XXXX transaction is approved is fraud tha makes the other transactions fraudulent as well but they cant provide me documentation showing or stating that the merchant denied the claim. They are trying to take my money because my account is closed because they dont want to send me a check allowing me access to the funds. This is truly unfair I cant wait until XX/XX/XXXX for documents when it states in their policy that I have full access to credit until investigation is completed. If documents want be ready until XX/XX/XXXX that mean the investigation is still ongoing. Please look into them they are very sketchy and fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Relay Financial (US), Corp.
State: NJ

Complaint narrative:
I am disputing a series of transactions totaling over {$2000.00} made to the merchant XXXX XXXX XXXX XXXX ' via XXXX and Relay Financial. The specific transactions include a {$640.00} charge on XX/XX/year>, and a {$610.00} charge on XX/XX/year>, among others These payments were for access to a digital trading platform. However, the service provided was defective. The platform experienced critical execution failures and severe technical lag during active market hours ( specifically XXXX XXXX XXXX XXXX XXXX ), making the service unusable for its intended purpose. I contacted the merchant on XX/XX/year>, providing a timeline of these failures. The merchant acknowledged the technical difficulties but refused to issue a refund for the non-functional service. When I disputed these charges with XXXX and Relay, they auto-denied my claims as 'dissatisfaction. ' This is a misclassification ; this is a 'Service Not Rendered ' claim due to defective software. The financial institutions failed to conduct a proper investigation into the technical evidence I provided. I requested a full refund for the defective service and technical documentation from the merchant explaining the platform 's failure during the specified trading windows. Additionally, I requested that XXXX and Relay provide the specific criteria they used to deny my disputes, as they ignored my evidence showing that the merchant failed to provide a working product. I am requesting that the CFPB compel these institutions to reverse these charges due to the merchant 's breach of contract and failure to deliver a functional service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 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:
On XX/XX/XXXX, a fraudulent charge of {$980.00} from XXXX XXXX appeared on my Apple Card, which is issued by Goldman Sachs Bank USA. I did not authorize this transaction, I have no account or relationship with XXXX XXXX, I received no ticket or travel, and no one else had permission to use my card or device. I have now disputed this same charge XXXX times. Each time, Goldman Sachs has denied my dispute, claiming the transaction was 'authorized, ' and has re-applied the charge to my account. The most recent re-billing occurred on XX/XX/XXXX. During a phone call on XX/XX/XXXX ( case number XXXX ), a Goldman Sachs agent admitted they had no merchant email address, no passenger name, no itinerary, and no account information from XXXX XXXX. The only information they had was that the transaction was processed as an eCommerce, manually entered card number with a partial location listed as XXXX, AL. ' Despite having XXXX supporting evidence of authorization, Goldman Sachs has repeatedly denied my fraud dispute and continued to hold me liable. I have answered all questions from their investigation team, confirmed my device has never been lost or stolen, confirmed no one else had access to my device or card, and consistently classified this as an unauthorized transaction not a billing error or merchant service dispute. Goldman Sachs has failed to conduct a reasonable investigation, failed to provide me with any evidence they relied upon to determine the charge was authorized, failed to apply a provisional credit during investigation, and has now re-billed the same fraudulent charge XXXX times over a period of more than XXXX months. This pattern of behavior is a clear violation of my rights under the Truth in Lending Act ( XXXX XXXX ) and constitutes a repeated failure to properly resolve an unauthorized transaction dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: ME

Complaint narrative:
During the evening I received an email from US Bank that said " Thank you for your application '' to create a new checking out. I initially thought it was a phishing attempt until I looked more closely at the email and decided to call US Bank directly, searching for their customer service number on the web and not trusting the XXXX in the email. US Bank confirmed there was an attempt to open a new checking account - using allllll of my private information, including XXXX, address, etc. It was denied because US Bank uses XXXX to verify and I have my credit frozen with XXXX. I have subsequently also called XXXX XXXX XXXX to freeze my information there as well ( I didn't realize you had to do it individually with all three ). I'm copy/pasting the email from US Bank for XXXX keeping of this incident below. __________ Thank you for applying for a U.S. Bank Smartly Checking. We received your application on XX/XX/year>. Your application ID is XXXX. Were in the process of reviewing your application and will notify you as soon as its complete. If you didnt authorize this request, please call us right away at XXXX ( XXXX ). Thank you for choosing U.S. 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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Conduent Incorporated
State: MI

Complaint narrative:
I have a Way2Go card through the Wisconsin XXXX XXXX XXXX. I lost my old card, and ordered a new one which I received. I have been calling them at both the Wisconsin branch and their corporate number for over a week, only to consistently get caught in a loop with them stating they " have an important message ''. I wait for an hour or more only for the system to then hang up on me. It gives me no other options to select after I put in my card number or social. Just keeps looping to " we have an important message '' or when I intentionally enter the information wrong to attempt to bypass the system to get a live agent, it hangs up on me after stating theres no record of those accounts. When I attempt to get into my account online, I am locked out. When I try to make a new account, it gives me an error message stating " there is an exception ''. So i have absolutely no way to activate my card or access my funds. I'm extremely frustrated and the Wisconsin XXXX XXXX XXXX cant help me either.I obviously need to access the funds. It's child support... support for my child I can't even use. Heres a short breakdown of my situation : Unlawful Withholding of Funds : I have no way to access court-ordered child support payments despite having the physical card. Systemic IVR Failure : The automated phone system ( IVR ) provides no prompts and hangs up, leaving me with XXXX access to a human representative. Account XXXX XXXX : Error on the website that prevents manual activation. Financial Hardship : This is preventing me from providing essential transportation and care for my XXXX son.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I am filing a complaint against PayPal regarding a {$750.00} balance they are attempting to collect from me following a confirmed fraud incident. I was the victim of an impersonation scam in which an individual falsely claimed to represent XXXX and instructed me to send money as part of a fake account verification process. This was not a legitimate transaction, and I was deceived into sending the funds. Once I realized the situation, I immediately reported the issue. My bank conducted an investigation and determined the transaction was fraudulent, issuing a reversal in my favor. I provided PayPal with all supporting documentation, including screenshots clearly showing the impersonation and fraudulent communication. Despite this evidence, PayPal denied my claim and is now holding me responsible for the {$750.00}. I also attempted to investigate the transaction further with XXXX, the payment processor involved, but they required card details that PayPal refused to provide. This prevented me from pursuing that investigation and was beyond my control. As a victim of fraud, I should not be held liable for funds obtained through deception. PayPal has failed to properly evaluate the evidence and is attempting to collect money that resulted from a scam. I am requesting that PayPal : - Remove the {$750.00} balance from my account- XXXX a proper fraud review of my case- Provide written confirmation of their findings I have acted in good faith at every step and expect PayPal to uphold its responsibility to protect customers from fraud. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I owed XXXX {$750.00} back in XX/XX/year> and I already paid it on XX/XX/year>! They recently sent an amount for {$180.00} to collections which I do NOT owe! I already paid the entirety of it! I could only pay up to {$500.00} per transaction so I made one payment for {$500.00} and the other payment was for {$250.00}! THIS DEBT WAS ALREADY PAID IN FULL IN XX/XX/year> AND SHOULD NEVER HAVE BEEN SENT TO COLLECTIONS! THIS DEBT IS INVALID!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of a wire fraud claim involving a {$55000.00} loss. I initiated a wire transfer that was later determined to be part of a fraudulent scheme. Upon discovering the fraud, I promptly notified Bank of America and requested assistance in recovering the funds. On XX/XX/year>, I received a letter from Bank of America stating that recovery was attempted as a courtesy and that the case is now closed. The letter did not include any details regarding the recovery efforts undertaken. During a follow-up phone call with the bank, I was informed that : - The funds are no longer in the receiving account - The transaction is not covered by the bank because it was authorized - The bank would not disclose the name of the receiving institution involved I understand that this call was recorded. To date, I have not been provided with sufficient transparency regarding : - Whether a SWIFT or XXXX recall was initiated and when - Whether the receiving banks fraud department was contacted - The timeline of recovery efforts- The specific actions taken to attempt recovery of the funds Given the significant financial impact, I am requesting a formal and detailed review of the banks handling of this claim, including whether all appropriate recovery procedures were followed. I am seeking : - Full transparency into all recovery actions taken - Documentation of communications with the receiving bank - Clarification of the banks policies regarding fraud in cases involving authorized transactions conducted under fraudulent misrepresentation - Reconsideration of the claim through escalation or reinvestigation This matter involves substantial financial harm, and I am requesting a thorough and accountable review.

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 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: AUTOMOTIVE CREDIT CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I received a call stating that a XXXX XXXX XXXX XXXX vehicle was purchased in my name and I am to make monthly payments of around {$370.00} to Automotive Credit Corp. I stated that I did not purchase a vehicle or signed any paperwork to buy a vehicle. The woman then stated she had signed paperwork that I authorized for this vehicle and loan. I asked her to send me the paperwork showing I signed and was there any way to stop the process. She stated it was too late the paperwork was already filed and in process, but she will send me the paperwork. I never received an email or received anything in the mail. I had contacted a lawyer to get the paperwork and the Automotive Credit Corp only stated to my lawyer that papers have been signed but never sent him the paperwork showing my signature.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint as a victim of identity theft, financial fraud, and a coordinated scam that resulted in a personal loan being opened in my name without my authorization. In XX/XX/year>, I was contacted by individuals representing what they described as a legitimate government-backed debt forgiveness program. I was told this program was legal, widely used, and required urgent participation due to limited funding. Based on these representations, I believed the process was lawful. Without my knowledge or authorization, a personal installment loan in the amount of {$50000.00} was opened in my name on or about XX/XX/year>. I did not complete any loan application, did not sign any documents physically or electronically, and did not communicate directly with LIGHTSTREAM prior to loan approval. The loan documentation contains materially false information, including employment and income details that are not mine and were never verified with me. After the funds were deposited into my bank account, I was instructed under false pretenses to transfer a portion of the proceeds as part of the supposed program requirements. On or about XX/XX/year>, I wired approximately {$32000.00} to third parties. I was told these funds would be used to make initial loan payments and qualify for forgiveness. An initial XXXX payment was made in XX/XX/year>, which reinforced my belief that this program was legitimate. However, the individuals involved became unreachable, and the XX/XX/year> payment was not made on my behalf. At that point, I realized I had been the XXXX of a scam. In XX/XX/year>, with a completion in XXXX, I reported the fraud to LIGHTSTREAM, and also filed an FTC Identity Theft Report ( Report # XXXX ). I also filed a police report and provided a notarized written statement documenting this crime. I formally submitted a written Notice of Fraud and Demand for Rescission and requested that this loan be treated as fraudulent, that all collection activity be halted, and that communication be conducted in writing only. Despite this, I continue to receive repeated collection calls and text messages, and my credit report continues to be negatively impacted. I have not received written confirmation of the fraud investigation status or any meaningful response addressing the identity theft. This is not a case of inability to pay. This is a documented case of identity theft involving false underwriting information, lack of authorization, and misrepresentation.

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 2026-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
Recently planet home lending XXXXtook over my mortgage. I paid them the first XXXX mounths ( XXXX and XXXX ) no problem then on XX/XX/XXXX I tried to make XXXX XXXX payment denied tried on XX/XX/XXXX denied. I called to find out what was the issue, I was told that they had the wrong bank account on file even though they had already taken out the prior XXXX mounths fine. So I looked and their was a wrong number in the account number, mind you I already used their website to make the last XXXX payments so I put the correct account number back in and paid again. Thought everything was fine until I checked my bank account to find out they've took XXXX mortgage payments out on XX/XX/XXXX and XX/XX/XXXX, after I called them they said they dont see were they took XXXX, only XXXX mortgage payment. No help from them and now they've overdrafted my bank and other bills I need to pay.

Company response to consumer: Closed with explanation