vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 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: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I have experienced XXXX escrow contribution increases within XXXX months, totaling XXXX XXXXXXXX in additional escrow payments, driven in part by what appears to be a duplicated charge in my escrow analysis. XXXX of events : XX/XX/XXXX : An escrow analysis was completed. The analysis included a line item for City Taxes of {$3400.00} and a separate line item labeled XXXX XXXX XXXX ' also for {$3400.00} the exact same amount. This duplication has never been explained or justified. As a result of this analysis, my monthly escrow contribution was increased by {$290.00}, effective XX/XX/XXXX. XX/XX/XXXX : A second escrow analysis was completed, increasing my monthly escrow contribution by an additional {$770.00}, effective XX/XX/XXXX. When I contacted PennyMac on XX/XX/XXXX to understand the basis for this second increase, a customer service representative attributed the shortage to a miscellaneous XXXXXXXX XXXX XXXXXXXX sanitation fee. During that same call, I requested the invoice or bill supporting this sanitation charge. The representative confirmed that PennyMac does not currently have the bill and that a parcel confirmation was requested on the back end. My own escrow disbursement history, which I reviewed during this call, shows no sanitation or MUD-related disbursement at any point in the account history only City Taxes XXXX XXXX Taxes, and Homeowners Insurance XXXX XXXX Research into XXXXXXXX XXXX XXXXXXXX residential solid waste fees indicates the standard annual charge is approximately {$500000.00}. The {$3400.00} figure attributed to sanitation is approximately XXXX to XXXX times the expected amount for a residential property. Despite XXXX weeks of follow-up, PennyMac has not produced the invoice, has not explained the duplicated line item in the XX/XX/XXXX escrow analysis, and has not provided a coherent accounting of how the escrow account became this significantly underfunded despite the XX/XX/XXXX contribution increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/year> {$920.00} XXXX Started dispute XX/XX/year> They responded with because the purchase was already paid for ( me paying my full bill to avoid interest ) they couldnt provide a credit to the account because account balance is at {$0.00}. Which Ive filled with other card companies and usually my account will just be in the negatives. So it doesnt seem like a valid reason to close my dispute. I went to file again and havent gotten a response. The reason I filed because XXXX charged me for 6 months of a XXXX medication. First, medication arrived warm ( should be cold on arrival ) due to delays from XXXX medication arrived cold. ( I wasnt the only XXXX affected ). Then, they tried sending it again, same issue happened. Recently, the pharmacy XXXXXXXX got their tirzepatide from got shut down by the FDA because of unsafe practices. So the medication now has to be disposed of because XXXX is selling medication from companies they do not check that are safe. Also very upset that the second time I filled dispute, system kept rejecting the pictures I sent of proof of XXXX deception. First time, pictures went through. Second time, they didnt. How could I dispute properly if I cant submit proof. But it didnt matter because even when submitting proof, they closed it because I paid my bill when it was due so I didnt collect interest on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Today on XX/XX/year> I visited the XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( Store # ( XXXX ) XXXX ). I was misled by a cashier who requested my government-issued ID under the pretext of a standard rewards program, never disclosing that a formal credit application was being processed.This account is invalid due to a lack of informed consent and procedural failures. I was never prompted to sign the application or the transaction receipt, despite the receipt explicitly stating 'not valid until signature. ' I am willing to pay the original purchase balance of {$100.00}. I need firstly closed this unauthorized account but I need removal of the resulting hard inquiry from all my credit reports. This is fraud.

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 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: American Credit Acceptance, LLC
State: TN

Complaint narrative:
I have been in XXXX XXXX XXXX, including the auto loan through American Credit Acceptance. The XXXX was dismissed last month so I called them to resume car payments but was told to call back after so many days due to the XXXX process. I called back as instructed and spoke to a representative who told me I owed XXXX {$10000.00} from the time I was in XXXX. I told them I was in XXXX XXXX and asked if they had received money during that time and was told to ask my lawyer. She said it had to be paid in full to prevent a charge off and did not offer any other options despite my request. I assumed it was charged off and have been trying to find out who purchased the debt but a third party put a freeze on my credit so I could not access it online. I wouldnt be surprised if that was also ACA. Today I received an email from American Credit Acceptance stating I was in default and that a local repossession company had been notified to pick up the vehicle. I do not feel like this is ethical or legal business practice and hope someone will investigate this companys business practices so they cant continue doing this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
On XX/XX/year> at XXXX XXXX CT, XXXX XXXX, XXXX XXXX XXXX, from Newrez ( servicer of my existing FHA mortgage ) attempted to call my cell phone and I did not answer. XXXX accidentally left a voice mail that was just her hanging up the phone. At XXXX XXXX CT, XXXX sent me an email with the subject line " Newrez- your upcoming payment '' which included her contact information and some indication of eligibility for an FHA XXXX program ( see attached email ). XXXX lied and attempted to mislead me by making the email sound like there was a problem with my payment and never mentioned that she is a sales person who was attempting to sell me a new mortgage through this streamline program. XXXX appears to have no role in servicing my existing payment. If Newrez is systemically training sales representatives to mislead borrowers through these deceitful tactics ( pretending to be contacting borrowers about the servicing of their existing mortgage ), there is risk of borrowers being misled to purchase new mortgages from these sales representatives without understanding that they are being pressured to enter a new transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding collection accounts appearing on my credit report that do not belong to me. I actively monitor my credit, and these accounts were reported without my knowledge or authorization. I have never had any involvement with or approved these accounts, and it is unacceptable and concerning to see inaccurate information associated with my name. I am requesting an immediate investigation and prompt correction of this matter without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The business asked for proof from the merchant that the item was new and I provided it in writing from the merchant. Now they are refusing to process the claim by stating that the merchant 's verification is not valid because " this information provided is not sufficient to verify that the item was purchased in new condition ''. Not only is the business ' statement completely false, but it also goes against what the proof that they required me to obtain. This means that the business acted in bad faith when they required me to get proof from the merchant that the item was new. Furthermore, the business falsely claims that the documentation " can not be independently verified '' which is also false. The business has the e-mail and phone number of the merchant and can reach out to them at any moment in time. The business lied once again to avoid processing the claim. Lastly, the business falsely claimed that " the language used in the customer service chat suggests the item was still in your possession at the time of the conversation ''. However, there was nothing in the conversation to indicate that. I even asked the business phone XXXX to point me to where she believes it said that, but she opted to answer the question and abruptly hung up the phone. About XXXX weeks ago, XXXX XXXX opened up complaint XXXX in order to resolve purchase protection claim XXXX. This claim is based on a benefit that all American Express card members have that they have not been able to honor in accordance to the cards benefits guide. I have called and emailed American Express about the complaint and they are are refusing to provide an update and have recently stated that they will not resolve the case without an explanation. They have confirmed though that I did provide them all the information they needed to resolve the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Services, Inc.
State: MI

Complaint narrative:
There was a power bill in my name that went into collections almost 2 years after I left the residence. I do not believe it was correct but I paid it to the original debtor ( XXXX XXXX XXXX XXXX, XXXX ). I called XXXX and asked if they could correct the issue to show it paid in full, but they told me they couldnt. I disputed the debt that was being reported by Credit services Inc. ( CSI ) in XXXXXXXX XXXX. But CSI refused my dispute saying that the amount was correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Moneytree Financial Services, Inc.
State: CO

Complaint narrative:
Violated Fair Credit Reporting Act and The Federal Equal Credit Opportunity Act by not providing me any information on what they got and denying me because of my age and bank

Company response to consumer: Untimely response
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: WA

Complaint narrative:
I moved from XXXX to XXXX WA in early 2024. Just prior to moving, Comast/XFinity advised I could keep my existing home phone numbers. When a tech arrived at my new home to set up service in XXXX, I was advised this was not true and I was given two new phone numbers which would be activated within 24 hours. I never had dial tone and no service was ever provided at the new address so I called XXXX and asked them to cancel the service explaining I had never received service at the new address. When they sent me a bill for {$170.00}, I called again more than once to dispute the bill. I assumed it had been handled. Now over XXXX years later, a collection from WAYPOINT RESOURCE GROUP LLC just posted to my credit report causing my credit score to plummet. The collection is inaccurate. At no time did XXXX ever provide the service. I called XXXX and XXXX to dispute the charge and I could tell from the gentleman that assisted me, it is common practice for XXXX. I know I can just pay the {$170.00} to get my credit score back up but I think it's wrong that they can falsely bill me ( and thousands of others ) and affect the price I pay for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
I used XXXX XXXX once on a 7 day trail and they won't let me cancel it the XXXX app says go to XXXX and when I try to cancel through XXXX it disallows the action it literally just closes the screen and goes to something else I've tried to contact XXXX and they literally just close the window and won't help me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: NC

Complaint narrative:
XXXX ) On XX/XX/XXXX I deposited {$520.00} into my Coinbase account. Coinbase withdrew XXXX identical amounts of {$520.00} XXXX numbers XXXX and XXXX same day XXXX seconds apart for a total of {$1000.00}. File XXXX, XXXX and XXXX XXXX ) If you review Coinbase transactions you will only see XXXX transaction where XXXX was bought for {$520.00} on XX/XX/XXXX. There are no other transactions before or after that date. Also attached is another screenshot that shows only XXXX transaction. File XXXX and XXXX. {$1000.00} was withdrawn from my checking account but only {$520.00} was deposited into Coinbase XXXX ) I submitted a dispute with my bank XXXX. They said they called Coinbase and had authorization to chargeback Coinbase on XX/XX/XXXX. File XXXX XXXX ) This should have fixed the issue, but now Coinbase said I have a negative balance of {$520.00} and was sent a threatening letter stating that if I did not deposit {$520.00} into my account, stock that I have will be sold to pay the negative balance. I paid the balance of {$520.00} on XXXX. File XXXX and XXXX XXXX ) On XX/XX/XXXX talked to XXXX XXXX and she said this : o You just said the. Yes, XXXX. I can confirm that you have initiated XXXX transactions on your account of {$520.00}. However, XXXX of these transfers was not successful. XXXX assured, the funds from the failed transaction will be returned to your bank account within approximately XXXX to XXXX business days. o XXXX just asking the question with the answer you gave me. XXXX assured, the funds from the failed transaction will be returned to your bank account within approximately XXXX to XXXX business days. o XXXXXXXX XXXX o XXXX, XXXX. The funds from the failed transfer will be returned back to your bank account. Please allow XXXX to XXXX business days for the funds to be credited back to your account. o XXXX XXXX. XXXX ) FUNDS STILL NOT RECEIVED Account should be XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
It all started all XXXX and we started communicating more on imessage. other than that, they were XXXX not really XXXX XXXX I want clarity on my life altogether but no instead they put my life in danger especially full of darkness and negativity I want this all to be over, I want to be refunded with all my money I sent but like nothing is coming good. Ive been fighting everyday and get this fixed I was trying to make my very last payment to a specific woman but im in denial because the situation I am in crisis She really wants to me remove all these blockages and evilsThat would be the last for sure I dont have any of my money back from XXXX and cashapp. I did follow-up on Cash App every time repeatedly. I genuinely feel emotional and exhausted. My explanation is very true what I am going through right now is risky.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: Chime Financial Inc
State: OH

Complaint narrative:
On wednesday XX/XX/XXXX was charged 3 un authorized charges to my chime account to XXXX XXXX in florida for XXXX, and XXXX which adds up to XXXXive sent documents from my XXXX XXXX showing i was not in florida at the times and also a written and typed statement from the sherrifs office and i get denied saying no billing error has occured every time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I called Credence Resource Management on XX/XX/XXXX because I received several text messages about an {$260.00} that I do not owe anyone. They refused to verify debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I went to the nearest Chase branch ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) in XXXX XXXX, CA to dispute charges that were on going from XX/XX/XXXX to XXXX.I know it seems like a long time to not notice but heres where the bank is at fault. They never notified me for charges being made from my account, I never once received alert warnings or confirmation texts and I was on XXXX recovering from an attempted murder case from a transient that attacked me so I was unaware of my banks charges as they were in small increments until I caught the bigger transaction that XXXX being made from my account. I went in they agreed it wasn't me after they investigated but the very next day Chase took it all back {$3700.00} they said to call XXXX support and dispute it with them. XXXX doesnt have human contact for any disputes or departments and once they saw that Chase was disputing fraudulent transactions from my account they shut down my XXXX account because I had proof from my account that those transactions were not even on my XXXX account receipts they did not reach back and they took away money from my XXXX recovery while I was off work Chase said they couldn't do anything else about it and XXXX never replied after I tried to email them about this issue. I have emails paperwork with all transactions made by someone else theres so many XXXX XXXX and food orders in a single day that I wouldn't even do as I have my own car and I don't eat 5 times a day Im XXXX lbs and from XXXX XXXX specially so it was under both parties. Chase, XXXX XXXX, and XXXX XXXX. To this day I am frustrated that my money was taken from me and not returned

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have tried to close a Citibank XXXX Account several times over the last few months and they keep telling me they are closing it, then not closing it and charging fees since it is empty. I emptied the account to close it, but since they are not actually closing it after I've spoken with their customer service team on multiple occasions, they charge the ghost account new fees each month and I have to call and repeat this process all over again like XXXX XXXX On XX/XX/year> I called Citibank yet again to close my account. The first XXXX times I called on XX/XX/XXXX, agents told me they could not close accounts. As if they had no capability to do that. I got the impression individual customer service agents get bad performance ratings for closing accounts or are incentivized not to allow customers to close accounts. XXXX agent hung up on me as soon as I mentioned closing an account. XXXX agent, after I mentioned closing my account, stayed on the line breathing but wouldnt respond then they hung up after not speaking for half an hour, just breathing while I asked questions and waited. I called back a third time on XX/XX/XXXX and a customer service agent said she would close it but the ghost fees had to be reversed first. I asked for written communication or a reference number from her about this ( e.g. email verifying the account was being closed ) but she could not provide that. I did at least get reference # XXXX for a {$15.00} service fee reversal that was completed. She told me another reversal was pending, but could not provide a reference number, and once that reversal went through the account would be closed within XXXX hours. It is now over a month later as I write this on XX/XX/year> and the account is still not closed and is still being charged service fees.

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