vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I authorized a charge from my venmo account. The money came out and then I don't know what happened to it but then they have me at a negative {$650.00} balance.but on XX/XX/XXXX they deducted the amount of money again but they're saying was owed since about XXXX. This put my checking account negative. After that happened I called after giving them at least a week to process everything and they are still showing that I have a negative balance of {$650.00}. They're saying they never received the payment from my bank even though I have the deduction showing from XXXX XXXX They refuse to look into it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Credit Control, LLC
State: NC

Complaint narrative:
Multiple attempts to contact to pay a debt and can not get in touch with representative. Called XXXX and transferred to them. Also called numbers online and can not get in touch with them. Phone will place on hold, then ask you to stay on hold or leave voicemail multiple times before ultimately making you leave a voicemail with no follow up call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XX/XX/year>, I sent Rocket Mortgage a wire payment of exactly {$200000.00} intended as a principal curtailment and mortgage recast payment. Instead of applying the payment correctly to principal, Rocket Mortgage appears to have misapplied the funds as future installment payments associated with my biweekly autopay setup. My account transaction history now shows numerous repeated payment postings, reversals, unapplied funds payment reversals, and misapplication reversals involving amounts of approximately {$99000.00}. Rocket representatives acknowledged verbally that the payment was misapplied due to my biweekly payment setup and stated that they are attempting to reverse and reapply the funds correctly. However : * I have received conflicting information from multiple representatives, * Rocket Mortgage has refused to provide written confirmation of the correction process, * I was told the funds may not be properly reapplied until XX/XX/year>, * and I have concerns regarding incorrect interest accrual, improper payment application, and recast processing delays. I terminated autopay immediately after learning of the issue. I am requesting : 1. Immediate correction and proper application of the XX/XX/year> wire payment entirely to principal, 2. Written confirmation of the correction, 3. Confirmation that the effective date for principal reduction and recast purposes remains XX/XX/year>, 4. Reversal of any excess interest, fees, or servicing consequences caused by the misapplication, 5. Confirmation of my corrected unpaid principal balance, 6. Completion of the mortgage recast without prejudice caused by Rocket Mortgages servicing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
I disputed to XXXX a medical debt about the validation. It hit my credit report without any notice. Either have a received any letter, phone calls, or emails from XXXX or Ability Recovery about the debt. XXXX reported that it was valid and never notified me with any information beforehand. I also challenge that this was removed from my credit report and reinserted in XX/XX/XXXX and the debt reports XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: VA

Complaint narrative:
I received documents from Scott & Associates regarding an alleged debt matter that appeared to indicate I was required to appear in XXXX XXXX XXXX on XX/XX/2026, at XXXX XXXX The documents created the impression that there was an active court proceeding and that failure to appear could result in a default judgment against me. Because I believed the matter was active and that my appearance was required, I adjusted my work schedule and attended court on the listed date and time. I remained present through the proceedings waiting for my matter to be called, but no case involving me was ever called, and I was unable to identify any active proceeding associated with my name during the court session I attended. As a XXXX veteran with physical limitations, attending court and remaining seated through the proceedings caused unnecessary physical discomfort, inconvenience, stress, and disruption to my work schedule. I am concerned that the communications I received may have inaccurately or misleadingly represented the actual legal status of the matter and caused me to believe that a court appearance was required when no active proceeding appeared to exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
My mortgage company, Select Portfolio Servicing, was notified of my return to XXXX XXXX status along with associated information regarding my military orders. At that time, I was provided with a written letter stating that XXXX protections had been applied to my account. When I called the company 's Ombudsman number regarding this information, I inquired as to the specific protections they were applying to the account. They stated they had the information necessary to apply the protections such as foreclosure and interest rate protection. When I inquired as to the interest rate, they stated that my interest rate was 6.625 % and they would NOT be lowering it to the mandated 6.00 % since it was " in the XXXX percent range '', not in accordance with the maximum cap of 6.00 %. I emailed the ombudsman email address to again confirm the intent as well as additional phone calls to determine if or when the company would be reducing the interest rate to the 6.00 %. They declined to do so nor provide information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I am writing to file a complaint about Continental Finance/ XXXX XXXX XXXX XXXX ( reported on my credit as XXXX ) because they are reporting wrong information about this account on my credit report. When I reviewed my reports from XXXX, XXXX and XXXX, I noticed several things that don't match : The High Credit is showing as {$0.00}, but this account had a balance of around {$700.00} before. That doesn't make any sense. The Date of Last Activity is different on each of the three credit bureaus. The same account should show the same date everywhere. I also believe this debt was sold to another collection company, but Continental Finance is still reporting it on my credit, which I understand is not allowed. I have tried to make sense of this on my own but the information they are reporting is not correct and I am being hurt by it. Thank you for your 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
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing a complaint regarding a 60-day late payment reported by Bank of America on my credit card account. I did not receive any 30-day late notice prior to this account being reported as 60 days past due. Bank of America claims that notice was sent, however I have no record of receiving any such communication by mail or electronically. This issue appears to be directly related to Bank of Americas transition of my account from XXXX to XXXX, which resulted in a new account number. I did not request this change, and it created confusion regarding billing and payment tracking. At no point was there any intent to miss a payment. The balance in question was approximately {$230.00}, yet this has resulted in a credit score drop of over 100 points, which is disproportionate given my otherwise strong payment history. I am requesting : Removal of the 60-day late payment from all credit reporting agencies Documentation showing when and how the alleged 30-day late notice was sent ( including delivery method and address used ) Confirmation of how the account transition was communicated and whether proper notice requirements were met I believe this situation reflects a failure in communication and account management during the card conversion process, and I am seeking a fair resolution. I would prefer to resolve this directly, but will pursue further action if necessary.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
I filed for XXXX XXXX XXXX on XX/XX/year>. I recieve weekly deposits in my Chime checking account to the sum of {$470.00}. They are instantly transferred to my credit builder account. On XX/XX/XXXX I received my deposit and Chime took the funds and closed my account and sent me an email stating they took the funds because I filed for XXXX. They had absolutely no right to take my money. I owed them nothing. They simply stole my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I opened a account with Webster Bank but before I could use it they closed the account and they never gave me a reason and now they say I owe them {$540.00} and after that happened I havent been able to get a account no where.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and the account that is being reported by the credit bureau XXXX and Experian is inaccurate and not mine and can not be verified as my it is affecting my credit score and my ability to obtain credit I was XXXX in XXXX XXXX the time this account was created and I will upload proof Experian is reporting XXXX closed account that is not mine XXXX is reporting a collection from 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 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: TX

Complaint narrative:
I am filing another complaint against XXXX XXXX XXXX XXXX. They filed a collections towards me with collection company XXXX XXXX for {$2700.00}. I disputed and won the dispute. I spoke with XXXX on XX/XX/2026 and was told that XXXX XXXX had been removed from my credit report. I am trying to get into a house, and found out that XXXX XXXX XXXX XXXX and filed again on me with a different collections company and different dollar amount. It's now with Avante USA for {$2600.00} ref # XXXX. I had to filed another dispute for this new collection. My first dispute was backed up because it's XXXX and the nurse that saw me on my visit has not worked at the location since my visit. There is no way for them to confirm or deny the amount owed is what they are seeking. Just the fact that they have filed twice with XXXX different collection agencies with XXXX different dollar amount proves my complaint was just. I am filing a complaint for harassment on XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Selene Holdings LLC
State: CO

Complaint narrative:
I have reached out to Selene XXXX after closing the loan multiple times to get a response on the refund from over payment for the loan closing and escrow balance and I keep getting different information all the time. It was only after calling them recently that they mentioned the check was returned and they didn't thought to inform. It felt to me as if they wanted to keep the money instead of returning it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I am submitting this complaint regarding my XXXX XXXX account serviced by Synchrony Bank. During a period of financial hardship, I fell behind on my payments after experiencing significant financial difficulties. Despite my efforts to manage the account and communicate responsibly, XXXX reported multiple late payments that severely damaged my XXXX XXXX. I had some issues with possible fraudulent charges but they would either disconnect me from the phone or simply hang up on me when I questioned charges. I am requesting a full review of the account history, payment reporting, and any hardship assistance options that may have been available during this period. I believe the reporting and handling of the account did not properly reflect the circumstances surrounding my financial hardship. These negative marks are now significantly impacting my ability to rebuild my financial stability and pursue important opportunities, including business financing and credit recovery. Since this hardship period, I have been actively working to improve my financial situation and maintain better payment habits. I respectfully request that Synchrony Bank consider a goodwill adjustment and remove the late payment reporting associated with this hardship period. At minimum, I am requesting a detailed investigation into the accuracy and handling of the reporting on this account. I appreciate your time and consideration and hope this matter can be resolved fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I visited a Citibank branch. Based on the explicit recommendation and eligibility confirmation from the bank representative, I opened a new checking account under a promotional offer that promised a {$420.00} cash bonus. The requirements stated were to deposit at least {$6000.00} in new-to-bank funds and maintain that balance for 90 days. My Actions : Initial Deposit : I successfully deposited over {$7000.00} into the account on XX/XX/year>, which was within the required funding window. Maintenance : I maintained a balance exceeding {$6000.00} for more than 90 consecutive days, fulfilling all financial requirements of the offer. Eligibility Check : Prior to opening the account, When I followed up, the bank representative claimed I was ineligible because I had an account within the past year, After waiting for more than three months, I followed up regarding the bonus. Citibank informed me that I was " ineligible '' and refused to pay the {$420.00}. They claimed I did not meet the new customer definition, despite their own representatives prior verification and assurance. Resolution Requested : I have acted in good faith based on the professional advice provided by Citibanks staff and have met all the capital requirements by locking {$6000.00} in the account for 90 days. I request Citibank to honor the agreement and credit the {$420.00} bonus to my account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
30 day late payment was applied to my credit report for the month of XXXX or XXXX ( shows differently on credit companies ) -improper tracking of payment history I reviewed the billing statements and account history thoroughly after making a plea for the company to remove the damaging information and I was never notified of a late payment, given a late fee, but this damaging information was sent directly to the credit agencies without an attempt to resolve the matter with me. According to all of my billing statements in XXXX, all of my payments were received on time. The situation was not handled correctly and with my perfect payment history, an attempt could have been made to resolve any concerns XXXX XXXX had. I was unfairly treated by this finance company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a late payment and multiple inaccurate items on my credit report, including accounts and personal information, and requested proper validation. The company responded but failed to provide sufficient documentation to support the accuracy of the reporting. Specifically, they did not provide evidence that billing statements were sent in compliance with required timeframes or that the information was properly verified. The failure to conduct a reasonable reinvestigation and to provide adequate validation raises concerns about compliance with the Fair Credit Reporting Act ( FCRA ).

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 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The following complaint is not a duplicate and it presents new information against Wells Fargo. I am filing this complaint against Wells Fargo regarding their ongoing failure to resolve a documented accounting discrepancy and their subsequent obstruction of the dispute resolution process. XXXX. Failure to Provide Access to Billing Records ( Regulation Z Violation ) Despite Wells Fargos stated policy that " Credit card statements are available online for up to 2 years, '' the bank has removed my account statements and transaction history for the year 2024 from my online portal. This occurred while I was actively engaged in a billing dispute. Under the Truth in Lending Act ( Regulation Z ), specifically 12 CFR 1026.5 ( b ) ( 2 ), creditors are required to provide periodic statements. By removing access to these digital records during a legal dispute, Wells Fargo is hindering my ability to verify accounting and is in violation of federal consumer protection standards. XXXX. Refusal to Provide Critical Reconciliation Data There is a specific discrepancy involving a {$6000.00} transfer from XXXX XXXX XXXX. XXXX XXXX XXXX has provided letters documenting the successful transfer, yet Wells Fargo has failed to credit my account or provide a corresponding accounting of the funds. To resolve this, I requested XXXX standard banking data points : The XXXX Federal Reserve XXXX XXXX ID XXXX The XXXX " XXXX '' XXXX Logs. The XXXX " Unapplied Funds '' ( XXXX ) XXXX. Wells Fargos counsel has labeled these standard requests for " receipts '' as " irrelevant, objectionable, and unnecessary. '' This refusal to provide technical proof of the transaction 's status prevents a factual reconciliation of the account. XXXX. Aggressive and Unprofessional Conduct by Counsel During the XXXX XXXX XXXX ( XXXX ) process ( Case No : XXXX ), Wells Fargos legal representatives at XXXX XXXX XXXX have engaged in aggressive and unprofessional behavior. They have characterized my legitimate, professional inquiries for account data as " harassment '' and " baseless accusations. '' Furthermore, they have attempted to prejudice the arbitration process by falsely claiming I am in violation of XXXX XXXX of XXXX. These tactics appear designed to intimidate a XXXX XXXX claimant and distract from the fact that the bank can not account for missing funds.

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