vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Special Financing Company, LLC
State: PA

Complaint narrative:
I entered into a {$5000.00} financing agreement on or around XX/XX/XXXXXX/XX/XXXX for services provided by XXXX XXXX XXXX, which included AI model creation, XXXX months of done-for-you social media management, content creation, and ongoing support. The services were not delivered as agreed. Content was expected to be posted multiple times per week ; however, I only received content on a limited number of occasions. There were multiple weeks with no content posted, delayed postings, and inconsistent account management. I made repeated attempts to resolve these issues between XX/XX/XXXXXX/XX/XXXXand XXXXXX/XX/XXXXby contacting the company through email and messaging platforms. In many cases, my messages went unanswered, and I had to follow up multiple times to receive minimal service. The company acknowledged delays and internal issues but did not correct the problems. I was reassigned to a new social media manager due to lack of communication from the original manager. While there was brief improvement, service again became inconsistent and declined shortly after. I was also assigned a mentor, but communication became unreliable and eventually stopped. There were periods where I received no support. Due to the lack of service, I was forced to create and manage my own content and social media accounts, including posting content independently. This contradicts the done-for-you service that was advertised and financed. At a certain point in XX/XX/XXXX XX/XX/XXXX, I stopped repeatedly following up and allowed the service to operate as intended. However, no consistent service was provided after this point. I was also removed from the companys support group, which limited my access to communication and service updates. I attempted to resolve this directly with the company multiple times, including recent attempts in XXXX, but received no response. I then contacted Special Financing Company , LLC to dispute the loan based on services not being rendered. The company responded by stating they are not responsible for the services and directed me back to the service provider, rather than conducting a review. After reviewing my contract, I followed up and explicitly requested a formal investigation under the contract provision stating that the holder of the consumer credit contract is subject to claims and defenses against the seller. I provided a clear request for escalation and allowed a defined timeframe for response. Despite this, I did not receive any response or acknowledgment, and no investigation was initiated. I am requesting a full investigation into this matter and an appropriate resolution based on failure to deliver the services tied to this financed agreement. I sent supporting documents to their address for the dispute, and have a delivery receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
For several months, I have been unable to access my account due to repeated identity verification failures. Despite updating my contact information, I did not receive any verification texts, calls, or mail that would allow me to regain access. I made multiple attempts to resolve this directly with customer service. Each time, I was told that my identity could not be verified, and more recently, I was informed that the account is now closed and representatives are unable to provide further assistance. My primary concern is that I have been prevented from accessing and paying my account, despite actively trying to do so. This situation has caused significant stress, as I want to resolve any outstanding balance and ensure this account does not negatively impact my credit. At one point, due to the inability to access or verify the account and lack of communication, I reported the account as potentially fraudulent out of concern for account security. However, my intent has always been to resolve the account properly.

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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CFPB Complaint Summary On XX/XX/scrub>, 2026, I applied for a Chase business credit card. Chase performed a hard credit inquiry on that date in connection with my application. After submitting my application, I was contacted by a Chase underwriter who informed me that my application had been approved. I was then transferred to another representative who requested verification of my business address. That representative sent me an email, and I provided documentation verifying my business address as requested. Approximately XXXX weeks later, I received a letter from Chase requesting that I verify my EIN number. I called the phone number provided in the letter to complete the requested verification. During that call, I was asked to verify my Social Security number. Without my knowledge or consent, Chase performed a XXXX hard credit inquiry on my credit report. I did not submit a XXXX application and was not informed that another hard inquiry would be performed. The XXXX inquiry occurred solely during a verification call initiated by Chase as part of the same application process. After discovering the XXXX inquiry, I contacted Chase customer service and spoke with XXXX separate representatives. Each advised that Chase would not remove the inquiries or take corrective action. Chase ultimately declined to issue the credit card despite previously indicating that the application had been approved. I also filed a complaint with the XXXX XXXX XXXX which did not resolve the issue. Chase again declined to remove the inquiriesXXXX XXXX hard credit inquiries were conducted in connection with a single application that ultimately did not result in issuance of credit. Additionally, XXXX of the inquiries was performed without my knowledge or consent during a verification call initiated by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
i am requesting that this collection account be fully investigated and validated. if the company can not provide proper documentation proving that this debt is accurate and belongs to me, i am requesting that it be removed from my credit report with all credit bureaus. if the debt is verified, i am requesting that any inaccurate information be corrected, including dates amounts, and account status. i also request that any negative reporting that is incorrect or unverifiable be deleted.

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 2026-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mortgage Research Center, LLC
State: OK

Complaint narrative:
I applied for a VA loan through Veterans United. I completed all the paperwork, paid for the VA Inspection, termite inspection and put down XXXX money on a property in Oklahoma. I was suppose to close on the property XX/XX/XXXX. I spoke with my loan officer on or around XX/XX/XXXX he stated that all my requirements were met. My realtor advised me on around the XXXX of XXXX she couldn't get ahold of my loan officer and needed to talk to him. I tried calling for the next 3 weeks, during this time I spoke to everyone on my " Team '' and no one could tell me what was going on. I request to speak to a manager on XX/XX/XXXX the manager could not tell me what was going on with my loan and told me I need to talk to my loan officer, and he would have him call me. This did not happen. On XX/XX/XXXX I finally called in and talked to my loan officer and he told me there was an issue with the loan. He stated that the VA required a minimum loan amount on the home and we were under that. So 38 days later this became an issue 6 days after closing date? Totally unacceptable.

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: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My citibank XXXX IRA CD matured on XXXX. The grace period was from XXXX. I called them to close my CD and transfer the whole fund to XXXX on XXXX. Then, Citibank received the request letter from XXXX on XXXX. From XXXX-now, I called Citibank IRA customer service 5 times, and I got the same answer which was the representative took notes on my record and sent it to the team. Now, my CD was automatically renewed for 8 months. So, I told them I shouldn't pay the CD penalty because they delayed to close my CD. Every time, the representative said the same thing. They just took notes and sent to the team, but the team never responded and no follow-up, no explanation. They said the process is 7-10 business days. However, today is the XXXX business day ( XXXX ). XXXX submitted all documents that they need so far, and still waiting for Citibank transcation.

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am seeking assistance regarding a delayed mortgage loan assumption with Bank of America. My application was submitted on XX/XX/XXXX and has now been pending for approximately 169 days. I have fully complied with all documentation requests, including submitting all required documents on XX/XX/XXXX. I was subsequently informed that my file was returned to underwriting on XX/XX/XXXX. Since that time, I have not received a clear status update, confirmation of underwriting assignment, or a defined timeline for decisiononly that the file is in underwriting. The overall process has now extended more than XXXX months without resolution. This request involves a loan assumption and release of liability, and the continued delay is impacting financial and legal obligations tied to the loan. The lack of clarity and extended timeline is also creating housing instability and significant stress for my household, including my adult XXXX son. I am not aware of any outstanding documentation requirements, and I have responded promptly to all requests. Based on the information provided to me, this does not appear to be a qualification issue, but rather a breakdown in processing and communication. I respectfully request : Confirmation that my file is actively assigned in underwriting A clear and accurate status update A defined timeline for final underwriting determination Prompt resolution of the loan assumption request My goal is simply to obtain a timely decision and bring this matter to a resolution. Given the extended delay and lack of clear status, I am concerned that this request is not being processed with the reasonable diligence required under federal mortgage servicing standards.

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: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Im on social security. They sent my ssi payment to my closed account at PNC account XX/XX/XXXXXXXX. They are holding my {$1700.00} payment in the closed account since XX/XX/XXXX. They still have no release it back to the treasury so they can deposit it into my new account. Ive contacted PNC, they said on XX/XX/XXXX ( XX/XX/XXXX ) the funds were returned, but on XX/XX/XXXX( XX/XX/XXXX ) I called Social Security Administration and they said that the treasury has not recorded the funds. I tried calling the corporate office of PNC who never answers the phone. I went to my branch and all they can do is tell me its out of their control because the account is closed. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
NOTICE OF FORMAL DISPUTE AND ACCOUNTING ERROR Date : XX/XX/year> To : Fifth Third Bank Attn : Disputes Resolution Department, MD : XXXX XXXX XXXX XXXX XXXX, OH XXXX RE : Formal Dispute of Account Reversal and Unauthorized Debit Account Holder : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Disputed Amount : {$30.00} Date of Occurrence : [ Monday, XX/XX/year> ] To the Disputes Resolution Department : I am writing to formally dispute the reversal of a {$30.00} credit to my Fifth Third Momentum Checking account. This reversal occurred after my account reached a settled {$0.00} balance following my Early Pay transactions. The removal of this credit constitutes a " double billing '' activity and an unauthorized debit that violates both Ohio State and Federal law. Legal Basis for Dispute : Electronic Fund Transfer Act ( EFTA ) & Regulation E ( 12 CFR 1005.11 ) : Under federal law, I am exercising my right to dispute a notice of error. The reversal of a provisional credit without providing the specific investigative findings or proof of a valid original transaction is a violation of my consumer rights. I hereby request all documents, receipts, and evidence the bank relied upon to justify this reversal. Uniform Commercial Code ( UCC ) Article 4 : Under UCC 4-401, a bank may only charge against a customer 's account an item that is properly payable. A reversed credit that creates a negative balance against a settled {$0.00} accounting state constitutes an improperly payable item. Ohio Revised Code ( ORC ) Chapter 1304 : Per ORC 1304.24, the bank has a duty of ordinary care in the processing of items. The failure to maintain accurate accountingresulting in a " statistical discrepancy '' and a negative balance after the account was settledis a breach of this duty. Ohio Consumer Sales Practices Act ( CSPA ) - ORC Chapter 1345 : Engaging in " double billing '' or unfair accounting practices that mislead a consumer regarding their available balance is considered an unconscionable act under ORC 1345.03. Demand for Resolution : The current negative balance of - {$30.00} is the result of a banking error and an illegal reversal of {$30.00} funds. I demand that Fifth Third Bank : Immediately restore the {$30.00} to my account to bring the balance to the correct {$0.00} state. Waive and reverse any and all overdraft fees or " Extra Time '' fees associated with this specific error. Provide a written electronic explanation via e-mail to XXXX of the investigative results as required by Regulation E. I have already contacted your chat support ( XXXX XXXX ) and am following up with this written notice to preserve my rights under federal law. Failure to rectify this error within the timeframe mandated by 12 CFR 1005.11 may result in further action through the Consumer Financial Protection Bureau ( CFPB ) and the Ohio Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/year> Northstar Location Service, LLC XXXX XXXX XXXX XXXX, NY XXXX RE : Dispute of Alleged Debt Northstar Location Service , LLC Reference : XXXX To Whom It May Concern, This letter is in response to your communication regarding the correspondence sent on XX/XX/year>. I dispute this alleged debt in its entirety and hereby request full validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following information : 1. A copy of the original contract or purchase agreement that created the alleged debt. Any contract provided must include the signatures of all parties. The agreement must be with the original creditor and include the original terms and conditions that created the alleged debt, including all addendums and riders. 2. Proof of the complete chain of ownership of the alleged debt, including documentation of each assignment for every change of ownership. This chain of ownership must be documented from the original creditor to the current alleged owner without any gaps. 3. A full accounting history from the original creditor, including the date and amount of each payment, as well as the Date of First Delinquency that led to the collection status. 4. If any interest or fees have been added to the balance, please provide proof that such charges are lawful and were expressly agreed upon in the original purchase agreement. 5. Proof that you are legally authorized to collect alleged debts in the State of New York, including a copy of your Third-Party Debt Collection Bond. 6. Proof that you sent all legally required notices to me prior to reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any mailing or tracking records maintained by your firm. FTC v. XXXX XXXX XXXX clearly establishes that debt parking without proper notice is a violation of consumers rights. Under the Fair Debt Collection Practices Act ( FDCPA ), you must cease all collection activities until proper validation of this alleged debt is provided. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Loan was sold to PHH by LoanCare. PHH is saying our payment made to LoanCare for XXXX was never processed. PHH took over the loan in XXXX. I provided proof of payment to PHH. PHH continues to show our account to have an outstanding balance and is applying payments to the previous month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — FHA 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: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
I am filing a complaint against Carrington Mortgage Services , LLC regarding a mortgage loan currently in foreclosure. I submitted a formal dispute and inquiry on XX/XX/2026 concerning the accuracy of the reinstatement amount and unexplained fees. Carrington acknowledged receipt and confirmed the matter was under investigation. Despite this, Carrington significantly increased the reinstatement amount from approximately {$13000.00} to {$18000.00} within days, including thousands of dollars in corporate advances and attorney fees without proper documentation or explanation. As of today, Carrington has not provided a substantive response or validated the charges. At the same time, their foreclosure counsel, XXXX XXXX XXXX XXXX XXXX, has scheduled a foreclosure sale for XX/XX/2026. This means foreclosure is proceeding while a formal dispute remains unresolved and while the servicer is still investigating. This raises serious concerns regarding : Failure to properly respond to a borrower inquiry Charging unverified and inflated fees Proceeding with foreclosure without resolving a dispute Lack of transparency in loan servicing I am requesting : Immediate suspension of foreclosure activity A full and verified accounting of all charges Removal of any improper or unsupported fees This property is part of an estate, and foreclosure at this time would cause significant harm. May i add that proceeding with foreclosure while a dispute remains unresolved and while the servicer has acknowledged an ongoing investigation is improper and should be corrected immediately!

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: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Someone opened up an account with Truist bank with my information and tried to cash fradulent check

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

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 explanation