vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
On or around XX/XX/XXXX I applied for a personal loan through SoFi. I was preliminarily approved for a consolidation loan for {$45000.00} ( loan application # XXXX ). I would not have applied had that preliminary approval NOT been granted. I have a current loan in repayment with SoFi currently, therefore I had no reason to believe that the preliminary approval wasn't to be trusted. I reached out several times before receiving a denial on XX/XX/XXXX to inquire about the application status which still showed " in review '' and to see if anything else was needed on my end. I was told they were still reviewing it and nothing else was needed on my end. On the morning of XX/XX/XXXX I reached out to customer service once again and they informed me that they were waiting on an employment verification form from me. I explained that I had not received that request and I had already reached out once before asking if there was anything else needed. They transferred me to their escalation team where a different representative said I do NOT need this form which had held up the decisioning of my loan for the past 3 weeks. She also said she was giving me a rate discount and would expedite my loan review. About 1 hour later, I received a denial letter. My credit score is higher than when I applied for the current loan I have through SoFi ( originating XX/XX/XXXX ). This loan request was intended to pay off that current loan with SoFi and consolidate additional loans. Apparently, there was a verification of employment request made that I didn't receive and then it was no longer needed upon escalation. I feel my loan was handled poorly from the initial request and was not giving the proper review. I would like reconsideration as this inquiry negatively impacts my credit and could have been avoided had the preliminary request been denied. SoFi had my credit report available at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX XXXX and Advanced Collection Bureau regarding an improperly reported debt of {$2400.00} related to alleged apartment damages and reporting that they had threatened us to invoice or send the matter to collections, inappropriate and XXXX constitute unlawful debt collection under Florida law. I vacated the rental property after approximately XXXX years of tenancy. Under Florida XXXX XXXX ( XXXX ), a landlord is required to provide written notice within 30 days if they intend to impose a claim for damages against a tenant. In this case, the landlord failed to provide any such notice within the required XXXX period and later acknowledged this in writing. Despite forfeiting their right to impose a claim under Florida law, the landlord attempted to pursue the alleged damages as a separate debt and ultimately referred the matter to a collection agency. The collection account was then reported to XXXX without a court judgment and without proper validation of the debt. The alleged damages relate to the condition of hardwood floors after nearly XXXX years of occupancy. The wear observed is consistent with normal use over an extended period and does not constitute negligence or abuse. Florida landlord-tenant standards recognize that normal wear and tear is not the financial responsibility of the tenant. I formally disputed the debt with both the landlord and the collection agency. However, the account was still reported to the credit bureau, which has negatively impacted my credit profile. This situation involves : * Failure to comply with Florida XXXX XXXX ( XXXX ) * Attempt to collect a debt that is legally disputed and not properly validated * Reporting of a disputed and unverified debt to a credit bureau I am requesting that this matter be investigated and that the collection account be removed from my credit report. I also request that all collection activity cease unless proper legal validation is provided. Files attached show the elapsed date the letter were sent ( outside the 30 day window ) and the email attachments show them improperly taking the incorrect avenues to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I am a small business owner using Clover POS ( owned by Fiserv ) for payment processing. I am submitting this complaint due to an unauthorized closure of my active merchant account, which caused significant financial loss and disruption to my business. I recently transitioned to a new merchant processing setup and followed the instructions provided to cancel my previous account. I submitted a written cancellation request via email with the correct merchant ID for the account I intended to close ( XXXX XXXX XXXXXXXX ). However, instead of closing the requested account, the company mistakenly closed my newly active merchant account ( XXXX : XXXX ). Dates of Closure and payment issues XXXX This error occurred during a major business event, at which point all XXXX XXXX devices immediately stopped functioning. As a result, I was forced to continue operations using offline payment mode. I later learned that because the account had been closed, those offline transactions were not processed and could not be recovered. This resulted in significant financial harm. Based on my records and normal transaction volume, I estimate my losses to be between {$7000.00} and {$10000.00}. I have contacted the company multiple times over the past week seeking resolution, but the issue has not been adequately addressed. I have not received a clear explanation of how this error occurred, nor have I been provided with documentation or a path toward recovering the lost 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
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I am a victim of documented wire fraud currently under active FBI Grand Jury investigation. Between XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX defrauded me of {$220000.00} via XXXX Loan # XXXX, which directly caused my inability to pay the account now being collected by LVNV Funding LLC. LVNV Funding LLC is reporting a collection account on my credit reports that is the direct result of this criminal wire fraud not a reflection of my true creditworthiness or financial responsibility. Under 15 U.S.C. 1692g, I submitted a written debt validation request to LVNV Funding LLC demanding : ( 1 ) proof of the amount owed, ( 2 ) the name and address of the original creditor, and ( 3 ) verification that LVNV Funding LLC has the legal right to collect this debt. LVNV Funding LLC failed to provide adequate validation and continued to report the account to consumer reporting agencies, in violation of 1692g. Under 15 U.S.C. 1681s-2 ( b ), LVNV Funding LLC as a furnisher of information has an obligation to investigate disputes and correct or delete inaccurate information. The account they are reporting is inaccurate because the underlying debt was caused by wire fraud against me, currently under active FBI Grand Jury investigation. On XX/XX/XXXX, I mailed a notarized certified mail escalation dispute letter to LVNV Funding LLC. Resolution requested : Immediate deletion of this collection account from all consumer reporting agency files and written confirmation of removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD Bank account was frozen due to a levy placed by XXXX XXXX XXXX XXXX XXXX XXXX I contacted XXXX XXXX XXXX XXXX XXXX XXXX and they confirmed that they sent a levy release to TD Bank on XX/XX/XXXX at XXXX XXXX Despite this, TD Bank has not processed the release, and my account remains frozen. I have contacted TD Bank multiple times since XX/XX/XXXX to request assistance, but I have been unable to reach the correct legal orders/levy department or receive a resolution. I am requesting that TD Bank locate and process the levy release sent by XXXX XXXX XXXX XXXX XXXX XXXX and restore access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have tried for several days to resolve late payment, and there is no late payment. Online there are SEVERAL notes with payment made, canceled, returned and payment made. It is extremely unprofessional very confusing and now my account is delinquent! I was told out was a glitch in the system and all payments will be be updated. And at first it was for a returned, payment, returned, paid in XX/XX/XXXX. A year ago! And then received a call in XXXX for a payment not received in XX/XX/XXXX payment. Then it was cleared, now a payment from XX/XX/XXXX! This is absolutely unacceptable as all payments have been made, and need to clear this information up so I can continue to make my XX/XX/XXXX payment. Most if not all my payments are made way in advance, at least 15 to 20 days in advance.

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 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
I was approved for an installment loan of {$1200.00}. When the loan was funded I only received {$1000.00}. When I inquired about it I was told I was being charged a 10 % administrative fee. I accepted this fee as they insisted this was part of the normal course of doing business. However, the Initial balance of the loan still showed as {$1200.00}. I am being charged interest on the {$1200.00} even though I only received {$1000.00}. When I make my payments they are all being subtracted from the initial promised amount of {$1200.00} which I never received, I told them I think this is unfair and it makes their claim of their interest rate f 35 % false becuase if I am repaying {$1700.00} on {$1000.00} that is more like 61 % interest not 35 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grant & Weber
State: NC

Complaint narrative:
I was seen in an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received XXXX in the XXXX and provided my medical insurance documentation. After returning home I received recurrent phone calls asking if my claim involved a motor vehicle accident and I told them on two separate phone calls " NO ''. The next thing I know I received a letter from insurance denying this claim because it was " beyond the time frame needed to receive benefit ''. I don't understand why they will not take the insurance as this visit was covered with a co payment! I had two prior phone calls with my insurance verifying this was not an accident. Months have gone by without resolution and now I am being turned in to the credit bureau which is not right.

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 2026-05-04 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: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
I purchased a pair of shoes for {$65.00} through XXXX with my Barclays credit card. I returned those shoes promptly as they didnt fit. They were to credit my Barclays credit card for the amount of purchase. I have all the tracking information from XXXX. XXXX received the shoes XX/XX/XXXX. After repeated delays to my refund and multiple conversations with XXXX customer support, a month went by with no credit. I finally decided to file a dispute with Barclays. After a couple months, Barclays decided to side with the merchant. Even though XXXX never issued a refund to my credit card, Barclays sided with them. XXXX has no proof to dispute my claim ; while I have tracking info and info from XXXX that they indeed receive the shoes.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: U.S. BANCORP
State: MO

Complaint narrative:
Subject : Credit Card Dispute Merchant Deception and Misrepresentation Complaint : I am filing a complaint regarding a {$470.00} charge from a company called XXXX that my credit card company has refused to reverse despite clear evidence of deceptive billing practices. I was misled into believing I was agreeing to a once-a-month charge. The full charge of {$470.00} was not clearly disclosed at the time of the purchase, nor was the cancellation policy. This constitutes a lack of informed consent and deceptive business practices. After realizing the charge, I immediately attempted the cancel and returned the product. Despite this, the company process the full charge. I disputed this transaction with USBank, explaining that this was not a legitimate authorized charge but rather a result of misleading and deceptive practices. However, my dispute was denied on the basis that I could not provide proof of advertise price- which is precisely the issue, as the company does not clearly disclose the true cost. This is not a simple billing disagreement. This is a case of merchant misrepresentation and deceptive billing practices, which should fall under consumer protection and fraud dispute rights. I am requesting that USBank : - Reopen and properly investigate this dispute - Recognize the role of deceptive practices in invalidating informed consent- Reverse the {$470.00} charge I have included supporting documentation, including communication records, proof of return, and evidence of similar complaints from other consumers regarding the same issue.

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 2026-05-04 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: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
I requested written assistance for a hardship and/or settlement offer after my payment increased significantly without notice of the back payments of interest and was told I could not receive anything in writing and that I had to call to discuss. I called and was still not able to get any details in writing about assistance. I did not sign any paperwork through petland or comentiy where I agreed to deferred/promotional plans and the payment was represented as no-interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
A deposit was made into savings acccount ending XXXX. XXXX has XXXX XXXX XXXX but its a transfer from an old XXXX to my new IRA XXXX. Pretax meaning I cant have the funds. Only relized late after depositing it. Called the bank and hour later and they said wait for it to process since it was XXXX somebody else it would get rejected. They didnt. Submitted fraud cvlaim and got denied since I did deposit it. Cant find after two weeks and over XXXX hours on the phone somebody to resolve it. Wells Fargo has essentially said I can deposit whoevers checks I can get my hands on. Even when you tell them the check was not payable to me, they wont take nay action to reverse it so I can get the company to issue a new check. I need the deposit unwound and not oaid because it it not payable to me.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: InDebted Corporation
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXXtep validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused emotional damage and stress I am currently pregnant and want to get back on the right track.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: U.S. BANCORP
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year> purchase for XXXX USD and my US BANK statement showed an amount of XXXX on my first credit card billing statement after the purchase. I immediately filed a dispute. They temporarily credited XXXX. Since then they have reversed and told me I might own interest and a possible late fee! I completed and returned their written dispute report and mailed back in the envelope they supplied along with copy of my receipt and emails to the XXXX XXXX XXXX. I verified that US Bank XXXX card does not charge foreign transaction fees. XXXX XXXX XXXX emailed that my credit card charged the transaction fees XXXX NOT THEM. My Last email from US Bank dated XX/XX/year> after I had to get them to reopen my dispute was they were still investigation. They verbally acknowledged receiving the copy of my report and receipt for XXXX. Today when I call they claimed lack of information but will not tell me what was missing. As to today they closed the dispute a second time and can not reopen. They have the receipt Total USD XXXX by XXXX XXXX was XXXX not XXXX. What more proof can I give US Bank XXXX XXXX he today could not say. They would not transfer my call to a supervisor but made more notes to get a call back in XXXX hours. I repeated I wanted my call escalated after 4 months since I never got the call they claimed the made from XX/XX/XXXX and they closed the file again XX/XX/XXXX with not notification in writing by mail or email.

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 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
I deposited {$13000.00} in my XXXX wallet, money was meant to send to my mother in XXXX, they asked me to upload my bank statement and drivers license and documents for verification purposes which is what I did. The review has been going on for the last XXXX weeks, I told them to provide me my refund while theyre still reviewing my account because the review process was taking so long and I couldnt wait anymore. I need my {$13000.00} I deposited in my wallet so I can send money to my money in XXXX for her medication. Its very serious and urgent. Please do something

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/year> Chase transferred money from my checking account via their bill pay system. They transferred it to the incorrect payee. I contacted Chase, they denied their error.

Company response to consumer: Closed with explanation