vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I am filing a complaint regarding SoFi Banks denial of my fraud claim involving unauthorized XXXX transactions totaling approximately {$4900.00}. While traveling internationally in XXXX, XXXX around XX/XX/XXXX to XXXX, my phone, which had access to my financial accounts, was stolen. As a result, I had no access to my account during the time the disputed transactions occurred. During this period, XXXX XXXX transfers were made to recipients I do not know and did not authorize. These transactions are not consistent with my normal account activity. I do not send multiple transfers to unknown individuals, especially in this amount. My last legitimate transaction occurred prior to my travel. The unauthorized transactions occurred after I lost access to my phone and account. I reported the issue as soon as I was able to regain access to my account. I also later learned that my initial report may not have been fully documented, which may have impacted the outcome of the investigation. XXXX denied my claim stating they were unable to confirm unauthorized access, despite the clear circumstances involving a stolen device, lack of account access, and abnormal transaction behavior. Additionally, when I attempted to escalate the issue, I experienced poor customer service, including a call where a supervisor ended the conversation prematurely without allowing me to fully explain my situation. I am requesting that this claim be re-evaluated with full consideration of the facts, including the theft of my phone, my lack of access during the transaction period, and the inconsistency of the transactions with my normal account behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Hello, my name is XXXX, I operated XXXX Checkings account at Wells Fargo, XXXX morning I realized was I was hacked, someone tried to make deposits into my account which I did not authorized by any means. Wells Fargo called me but I was in the XXXX, when I saw the XXXX calls I called back while on the phone I saw my XXXX accounts were getting closed, I asked them why they told me a deposit was made from a closed account, I told them I never initiated a deposit, bottom line they ended their relationship with me by sending checks. After few weeks I went back to the branch to try set up new accounts, I was told I can't because there's a note on my ssn saying I am a security risk customer, I have tried to make them fix this but no success, I need help. Thank you.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-23 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
XX/XX/year> noticed XXXX moved from my money market to checking account Noticed a fraudulent credit card charge on XX/XX/XXXX Email from Suncoast Credit Union telling us about a fraud possibility call the number attached XXXX Call the number a XXXX answered and said he was from XXXX XXXX Department. He called us XXXX times between XX/XX/XXXX and XX/XX/XXXX we were told on XX/XX/XXXX to courier credit cards and debit cards that were cut up and do not cut the chip. We were told that a courier would pick up the cards. XX/XX/year> we were told to delete mobile banking apps XX/XX/XXXX told to go to Suncoast Credit Union a live teller and withdraw {$7000.00} which would be picked up by a courier on XX/XX/year> XX/XX/XXXX asked to go to the live teller and withdraw {$7500.00} and send by XXXX XX/XX/XXXX asked to withdraw {$7500.00} which would be sent by XXXX XXXX told us that they would be making a corporate account for money that was safer that we had in our account XX/XX/XXXX told that an FBI agent would call us because the case was larger than they thought FBI agent called on XX/XX/XXXX with XXXX account numbers XXXX for XXXX XXXX and XXXX for my wife XXXX XXXX. Account numbers are as follows. : XXXX XXXX XXXX account number XXXX we were told on XX/XX/XXXX between XXXX and XXXX XXXX and the FBI would come to have us fill out an affidavit FBI agent claimed to be XXXX XXXX on XX/XX/year>. We received an email that a pay a person account had been set up with a name. We had never heard of. We called XXXX and discovered that we had XXXX money in our accounts. We filed a police report with the sheriffs department and XXXX XXXX. And a fraud affidavit with Suncoast Credit Union on XX/XX/XXXX Both XXXX XXXX cards XXXX XXXX and XXXX XXXX were compromised about {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bilt Technologies, Inc.
State: PA

Complaint narrative:
I had an outstanding credit card balance on my XXXX XXXX account issued through XXXX XXXX. On XX/XX/year>, my new credit card issuer ( XXXX XXXX ) apparently initiated a balance transfer in the amount of {$2500.00} to XXXX XXXX to pay off this balance. Before I was aware that the balance transfer had already posted to my XXXX XXXX account, I made an additional payment of {$2500.00} directly to XXXX XXXX on XX/XX/year>. After identifying the resulting overpayment, I contacted XXXX XXXX and requested a refund of the credit balance. XXXX XXXX refused to issue the refund and instead directed me to contact XXXX, stating that XXXX never initiated a balance transfer on my behalf and never remitted any payment to XXXX XXXX. XXXX XXXX continues to maintain that the only payment they received was my direct payment on XX/XX/year>. I subsequently contacted XXXX multiple times to resolve this issue. Despite being provided with documentation showing that the balance was already paid to XXXX XXXX, XXXX has refused to correct the account and continues to treat the {$2500.00} as outstanding on my XXXX XXXX account. In addition, XXXX assessed a {$30.00} late payment fee and charged {$58.00} in interest on an amount that had already been paid. As a result, I am effectively being asked to pay the same {$2500.00} debt twiceonce to XXXX XXXX and again to XXXX is improper and financially harmful. I have attached the following supporting documentation : The final XXXX XXXX statement showing a {$0.00} balance The XXXX statement showing the same {$2500.00} as still due Email correspondence with Bilt documenting my repeated attempts to resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have called many times to American Express, I told them I never had Amex card, the card listed on my credit report is wrong, XXXX belong to a company called XXXX XXXX, I am not familiar with that account. They argue that I make payment to this account using XXXX XXXX XXXX checking account and I have proof that I do not have and I never had XXXX XXXX XXXX checking account. They have my information because I called and they did not have information by giving my name and social and as soon as I provide the information the link with this account. Now, I have report from XXXX XXXX about my banking records that I can provide and an update police report. Please I need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate collection accounts reported by Jefferson Capital Systems. These accounts, originally associated with XXXX, have been disputed due to concerns regarding their accuracy and completeness. Despite disputes, the accounts continue to be reported without proper validation. Under the Fair Credit Reporting Act and FDCPA, a debt collector must be able to provide sufficient documentation to support the validity of the debt. To date, Jefferson Capital has failed to provide : A signed agreement linking me to the debt A complete chain of assignment from the original creditor Detailed account statements showing how the balance was calculated Reporting a debt without proper validation is a violation of federal law. I am requesting : Full validation of the alleged debt, including all supporting documentation OR Immediate deletion of these accounts from my credit report if proper documentation can not be provided Failure to validate and verify this debt constitutes non-compliance with the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: COMMERCE BANK
State: IL

Complaint narrative:
history : Commerce Bank cancelled its debit card system and initiated a new one with a new card and a balance transfer from the old system. I got contradictory advice on whether any forms or which ones would be required to have the new card issued. The Bank also claimed that the new card was mailed at least twice ( but was not activated ). I requested that the card be FedExed with required signature with the {$25.00} deducted from the debit card. That request over the phone was turned down. My formal complaint to XXXX resulted, afteXXXX XXXX months, my requested resolution. XXXX Commerce Bank no longer has a local branch, and my travel mobility is limited. ) current complaint : The card along with its number has an independent number associated with it. This latter number is required for opening an online account to monitor balance and cash in the card, if I so desire. I was authoritatively told that I can not receive this number by phone, by email, by snail mail, or signatured XXXX, even though I related my previous experience. So I would like the Bank to XXXX with signature requirement and deduct {$25.00} from card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
Hello, I am submitting a formal complaint regarding the handling of my loan assumption application. On or around XX/XX/year>, I submitted all requested documents for my co-signer in PDF format, as instructed by my loan XXXX. On XX/XX/year>, I received confirmation that the documents were received, and I was told I would receive a follow-up after review. However, after waiting several days with no update, I contacted the loan XXXX again and was informed that if I needed faster service, I should reopen a new application. This directly contradicts the prior instruction I received, where I was explicitly told that I did NOT need to reopen the application and should simply submit the co-signer documents. Additionally, I was later informed by the loan XXXX XXXX XXXX that my co-signers credit had not even been reviewed, despite the documents being submitted and acknowledged. This delay and miscommunication have put my loan assumption at risk, including the potential loss of a XXXX XXXX interest rate, which is extremely significant. I followed all instructions provided to me in good faith. The conflicting guidance and lack of processing reflect poor handling of my case and have caused unnecessary delays. followed all instructions provided to me in good faith. The conflicting guidance and lack of processing reflect poor handling of my case and have caused unnecessary delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: TX

Complaint narrative:
I disputed a transaction since the product was faulty. I requested a refund since the product had 3 years warranty. I submitted all the documentation and proof for my dispute but Goldman Sachs kept on adding the charges back to my credit card after a temporary credit. The merchant did not honor the warranty for what I paid for but Goldman Sachs was always giving them credit even when I was their customer. The initial dispute was on XX/XX/XXXX. They added the charge back to my card on XX/XX/XXXX. I started a new dispute the same day but a few months later they added the charge back. The band added the charge back on XX/XX/XXXX. I started a new dispute the same day because I have all the proof for my request. They added the charge again on XX/XX/XXXX and I disputed the charge again. On XXXX XXXX they added the charge back again so I started a new dispute. on XX/XX/XXXX I received their message one more time saying " Your Apple Card transaction dispute investigation is complete and the merchant charge ( s ) will remain on your account ''. I then decided to close my credit card account because this situation has caused me my health conditions to worsen. I told them I have multiple medical conditions and this situation was making it worse but they just don't care even when they know I have the reason on all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
These XXXX just increased the payment statement instead of XXXX dollars they increased over XXXX dollars. I can not spend too much and these people were rushing me. I was going to pay them a XXXX dollars during the XXXX, so that was I can make a payment faster. They even did that to me on purpose. These people are XXXX XXXX. I want them reported right now! They need to stop giving me a hard time to make a payment.

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 2026-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please examine the provided files ; the inquiries were unanticipated and XXXX not be authorized.

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 2026-04-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I unlocked and locked my HELOC with PNC Bank to reduce the interest rate on XX/XX/year>. This was in the 32 day XXXX billing cycle. There were 26 days at the previous rate of 8.21 % and 6 days at the new rate of 7.33 %. This was broken down at 20 days on the previous balance at {$630.00} and 6 days at {$180.00} after my XXXX payment on the new balance. I also carried {$26.00} for 26 days for a separate line item. The 6 days at the new rate is {$170.00}. There was a {$100.00} charge to unlock and {$100.00} charge to lock back in. This brought the total payment for XXXX to XXXX. My previous payments per cycle were approximately XXXX. The new payments per cycle would be approximately XXXX moving forward. Since this was done in the middle of the billing cycle it should have been 26 days at the old rate and 6 days at the new. PNC Bank charged me the 26 days at the old rate and the full 32 days at the new rate which was XXXX for a total of XXXX on the XXXX payment. I spoke with the branch manager, escalated through the PNC office, escalated again to an office Manager that I never got to speak to, and was told that it is just the way they do it and have been doing it. According to their own paperwork it states that " The first payment on the new Fixed Rate Part will be due approximately 25 days after the end of the Billing Cycle in which the balance transfers are made '' which would fall on my regular payment date of the 20th of the following month. The New Fixed Rate part was 6 days at 7.33 %. I did not have money allocated for a double payment and ended up negative in my account. I was able to move money around to avoid the overdraft fees that was allocated for other bills. How many people have they done this to and wrongfully over drafted them and collected fees and caused hardships on their borrowers?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: DC

Complaint narrative:
First National Bank of Pennsylvania is my loan servicer. i never chose this company and certainly will not recommend them. they began servicing my loan in late XXXX after i started with another company. is it just a free for all for companies to grab notes underlying a mortgage? any way i paid more than more regular payments so far in the loan. the statements are quite deceptive about making those principal payments. in XXXX XXXX at the time my principal balance was XXXX for a note of XXXX. the value of my property is in question. while the value lowered because washington dc is like pyoungyang right now the value on XXXX was XXXX. the quick math says i am close to paying off 20 % of the loan. i sent in a request to remove pmi. while XXXX concurred i could have it removed and gabe me an initial estimate of my eligibility. and so i paid XXXX dollars for an XXXX to come out. i had made XXXX to my kitchen and living room, but am not a pro so i have no idea. so i waited about XXXX months from beginning to end for a denial. this denial did not include the appraisal or any calculation although ive paid off XXXX dollars more of the principal. i have to infer this lack of transparency is fraudulent and i want others to know this bank is crooked.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: CITIBANK, N.A.
State: UT

Complaint narrative:
I disputed an unauthorized charge of {$290.00} on my account. A Citibank representative confirmed that this charge has been sent to the dispute department. However, my account balance has not been properly adjusted, and the disputed amount is still being included in my total balance. My most recent statement shows a balance of approximately {$440.00}, which includes the {$290.00} disputed charge, along with fees and interest. Citibank continues to request payment of {$440.00}, asked a minimum payment of {$63.00}, even though part of this balance is under dispute. I have made multiple attempts to resolve this issue : I have called Citibank several times, but calls were disconnected or I was unable to reach a representative I have sent XXXX written dispute letters by certified mail I recently mailed another letter to the dispute department Despite these efforts : The disputed amount has not been removed or clearly separated from my balance I continue to receive collection calls and emails demanding payment Interest and fees appear to be applied to the disputed amount This situation has caused significant stress, including difficulty sleeping, due to repeated collection calls and lack of resolution.

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