vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I received a credit alert stating my mortgage was reported as late. This payment is made 2x per month using autopay with Bank XXXX XXXX. XX/XX/XXXX was no different. Upon further research on the phone with XXXX, I was advised that there was a surplus ( XXXX payments made in XX/XX/XXXX for {$2000.00} ea., ) however, the extra amount was applied indiscriminately. XXXX operator applied this difference to XX/XX/XXXX and I was informed that the remainder would be credited towards XX/XX/XXXX. In essence, the account was paid timely via autopay, which occurred on XX/XX/XXXX and again on XX/XX/XXXX. Please reflect this account as current, not late. I make payments via autopay to avoid negative remarks on my credit. As a person going through a divorce, I do everything necessary to protect my credit out of an obligation to my creditors as well as, my future housing needs and anticipations. I am a responsible person who has held the same employment for the past 21 years. I have been a homeowner for almost 20 years and value responsibility sincerely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 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: CA

Complaint narrative:
I am filing a complaint regarding the handling of a billing dispute by U.S. Bank ( Case ID : XXXX ). In XX/XX/XXXX, I paid {$1900.00} to a meal subscription service for prepaid weekly meals extending into XXXX. This was not a one-time service, but a multi-month prepaid contract for ongoing future deliveries. Beginning in XXXX, the merchant failed to provide the contracted services. There were numerous missed deliveries, unannounced schedule changes, and a temporary suspension of operations. The merchant also sent a communication acknowledging service inconsistencies and operational issues. Due to this ongoing non-performance, I requested a refund and disputed the charge. U.S. Bank denied my dispute solely on the basis that it was not submitted within 60 days of the original transaction, citing the Fair Credit Billing Act. This is an incorrect application of the law and dispute framework. This dispute is not a billing error tied to the original transaction date. It is a services not rendered dispute based on the merchants failure to deliver services in XXXX. The relevant timeframe should be based on when the services were expected and subsequently not providednot when the original payment was made. Additionally, this charge was for a prepaid extension of services that have not yet begun but are directly dependent on the same ongoing service that is currently failing. Given the merchants repeated inability to perform and recent suspension of operations, there is a reasonable basis to conclude that future prepaid services will not be fulfilled. Despite explaining this to U.S. Bank, they declined to re-evaluate the dispute under the appropriate category and instead reaffirmed their denial based solely on timing. I am requesting that U.S. Bank : 1. Reopen this dispute 2. Evaluate it under the correct classification of services not rendered 3. Consider the merchants ongoing non-performance and inability to fulfill both current and future obligations tied to this transaction

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 2026-04-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Interest rate
Company: RTO National
State: FL

Complaint narrative:
I paid off the amount owed according to my account portal on XX/XX/XXXX in the amount of {$5500.00}. I just received correspondence on XX/XX/XXXX stating that I owe them {$2200.00} and that the online balance doesn't reflect the accrued interest on the online portal. They say in the email I owe interest but they also sent an attachment saying I owe principal. I paid the amount that was reflected on my account in full and have not received any correspondence until now. I feel this is fraudulent and unfair practices.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aldous & Associates, PLLC
State: NE

Complaint narrative:
They sold my debt to a third party collection.they have already been paid by them and this needs to be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX, Midland Credit Company and XXXX XXXX have fraudulently used my information in attempt to collect a I do not them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
WHAT HAPPENED : TransUnion is reporting false, fraudulent, and unverifiable information on my consumer credit file. I have XXXX collection account from XXXX XXXX XXXX ( XXXX ) that is fraudulent and was opened without my knowledge or authorization. I also have XXXX unauthorized hard inquiries from XXXX XXXX ( XX/XX/XXXX ) andXX/XX/XXXXXXXX ( XX/XX/XXXX ) that I never authorized. Additionally, TransUnion is reporting unverified addresses that do not match my identity documents. I submitted a formal written dispute via certified mail on XX/XX/XXXX with supporting documentation including my FTC Identity Theft Report XX/XX/XXXXXXXX, Colorado State ID, utility bill, and Social Security card. TransUnion has failed to comply with their reinvestigation obligations under FCRA XXXX. These inaccuracies are causing direct financial harm and denial of credit.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Prosper Marketplace, Inc.
State: MI

Complaint narrative:
Someone tried to open a credit card in my name but luckily was not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding my mortgage lenders handling of a time-sensitive matter related to the sale of my cooperative apartment. I was scheduled to close on the sale of my co-op on XX/XX/year>. Shortly before closing, I was informed that I needed to obtain a replacement stock certificate due to the original being unavailable. This process requires coordination with the lender and their designated legal representatives. I immediately contacted my lender for guidance and was provided with contact information for a law firm. After multiple attempts to move forward, I later discovered that the information provided to me was incorrect, and the law firm was not the appropriate party to handle my request. This error caused a significant delay in initiating the required process. Due to the urgency of my closing, I made repeated attempts to contact the lender to correct this issue and escalate the matter. However, I have been unable to receive timely assistance. The escalation team has refused to speak with me directly and has stated that I must wait XXXXXX/XX/XXXXfor a manager to return my call, despite the fact that my closing has already been impacted. As a result of the lenders error and lack of timely response : My scheduled real estate closing has been delayed I am now facing potential financial consequences, including legal fees and risk of losing the buyer The replacement stock certificate process, which can take several weeks, was unnecessarily delayed due to incorrect information provided by the lender I am requesting the following : XXXX. Immediate intervention to ensure I am connected with the correct legal department or representative XXXX. Expedited handling of the lost stock certificate affidavit and bond process XXXX. A clear and accurate timeline for resolution XXXX Review of the lenders handling of my case, including the provision of incorrect information and refusal to provide timely escalation This situation is extremely time-sensitive, and the lenders actions have directly contributed to delays and potential financial harm. I am seeking urgent assistance in resolving this matter as quickly as possible. Thank you for your attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
XX/XX/XXXX - {$270.00} of ( {$320.00} ) ( was paid to clear outstanding balance ) XX/XX/XXXX - XXXX ( reached out via Apple Cards text chat to inquire when the amount paid would be reflected on my cards available credit ) I was told the payment was on hold and would release on XX/XX/XXXX I then received an additional message that my account was under review for security reasons but when asked Why? I was told it was just standard protocol. XX/XX/XXXX - XXXX ( received an email that my account was closed for failure to comply with terms of customer agreement ) XX/XX/XXXX ( paid remaining balance on the card of {$47.00} ) Nothing on the account has changed except my billing address as I recently moved. The bank account attached to the card has been the same since I was approved for the card back in XX/XX/XXXX. The account was in good standing, not on a payment plan and no previous communication about concerns on my account were extended to me just abruptly closed. Goldman Sachs wont give hard evidence of failure to comply with customer agreement terms and conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint regarding Chase 's denial of my claim involving a scam transaction where I was the victim of a business impersonation scheme. In late XXXX, 2026, I was the victim of a scam in which an individual impersonated my employer and instructed me to purchase gift cards for business purposes. Believing the request to be legitemate and work-related, I used my Chase credit card to purchase the gift cards. Shortly after, I realized this was a scam and had been decieved into transferring the value to a third party. I reported the incident to Chase promptly and initially believed the matter was being handled. However, after XXXX and a half months later, I was informed that my claim was denied on the basis that I authorized the transactions. While I did authorize the transactions, they were made under false pretenses as a part of a documented impersonation scam. I did not recieve any of the goods or services of value, as the transactions were induced by deception. Chase appears to have treated this strictly as an authorized transaction without adequately considering the circumstances of fraud and coercion involved in the scam. I am concerned that my case was not adequately reviewed despite the documentation I attempted to provide and the clear indicators of a impersonation scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I requested a full payoff statement from Rocket Mortgage. The total payoff amount provided to me was {$49000.00}. On that same date, I sent Rocket Mortgage a wire transfer for the full payoff amount. The payoff funds were provided through multiple financial institutions : XXXX XXXX XXXX XXXX submitted a total of {$29000.00}, issued in two separate checks : {$26000.00} {$3000.00} XXXX XXXX XXXX submitted an additional {$20000.00}. All funds were transmitted and received by Rocket Mortgage on XX/XX/year>, completing the full payoff amount of {$49000.00}. I am filing this complaint to document the transaction, ensure proper crediting of all funds, and request that Rocket Mortgage confirm the accurate application of the payoff and the closure of the loan account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint against Frost Bank for a direct and ongoing violation of Regulation XXXX ( XXXX XXXX XXXX ). I initiated an electronic funds transfer ( EFT ) dispute on XX/XX/XXXX, for {$3300.00} related to merchant fraud by XXXX XXXX XXXX. Despite my providing formal written notice on XX/XX/XXXX, and a comprehensive physical evidence packet that was signed for by XXXX XXXX at the bank 's XXXX XXXX office on XX/XX/XXXX ( Tracking : XXXX ), the bank has failed to resolve this dispute for over XX/XX/XXXXdays. This far exceeds the absolute legal maximum of XX/XX/XXXXdays allowed under federal law. Furthermore : Failure to provide Provisional Credit : Frost Bank failed to provide mandatory provisional credit after XXXX business days, despite my multiple formal demands on XX/XX/XXXX, and XX/XX/XXXX, XXXX.Disregard of State Evidence : I provided the bank with evidence from the XX/XX/XXXXXX/XX/XXXXof XX/XX/XXXX ( Case XX/XX/XXXX XXXX ), which found evidence of possible violations by the merchant.Misleading Information : Bank agents have repeatedly and incorrectly informed me via telephone that " no legal deadlines exist '' and blame "XX/XX/XXXX network delays, '' which does not exempt the bank from its obligations under Regulation XX/XX/XXXX.Pattern of Discrimination : I believe this intentional delay and refusal to follow mandatory consumer protection laws is a discriminatory " stall tactic '' targeting me as a XX/XX/XXXX woman.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In 2021, I received a Paycheck Protection Program ( PPP ) loan through XXXX XXXX Bank. My loan was fully forgiven in XX/XX/year>2021, and I was told that no repayment was required. After that, my checking account with Wells Fargo ( ending in XXXX ) was unexpectedly restricted. I went into a branch location to access my money and was told my account was frozen. I was not given a clear explanation or any supporting documentation at that time. Later, Wells Fargo informed me that XXXX XXXX Bank had reported the XXXX deposit as fraudulent. Based on that claim, Wells Fargo froze my account, denied me access to my funds, and eventually closed my account. As part of this process, Wells Fargo removed more than {$15000.00} from my account and transferred the funds without my permission. I did not authorize any withdrawal, transfer, or return of funds. I was never given advance notice, an opportunity to dispute the issue, or any documentation showing why my account was being restricted or why my funds were being taken. This situation has been ongoing since 2021, and I have not been able to get a clear answer about where my money went or how to recover it. The experience has caused financial hardship and ongoing stress.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bilt Technologies, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, {$1800.00} was automatically debited from my external XXXX checking account without my explicit authorization and without adequate prior notification that a product migration ( " Bilt XXXX '' ) had fundamentally altered how housing payments are processed. This withdrawal triggered an overdraft on my XXXX account. During my attempts to resolve this, Bilt 's official AI support assistant explicitly represented that selecting the " XXXX XXXX XXXX '' option would allow housing charges to remain on my statement and be repaid at my discretion including paying only the minimum due. I have this exchange documented. A subsequent human support agent then confirmed this representation was entirely false : the 24-hour automatic withdrawal from an external bank account can not be disabled under any account configuration. This constitutes a demonstrable misrepresentation made by Bilt 's official customer-facing support system. I had successfully utilized balance carry-over on housing payments under the prior BiltXXXX XXXX account structure in XXXX. I was never formally notified that Bilt XXXX eliminated this functionality. I relied on this feature during a period of financial hardship following a layoff, and Bilt 's failure to disclose this material change caused direct financial harm. Furthermore, Bilt 's support infrastructure is effectively inaccessible : phone support is unreachable, the AI chatbot can not resolve account-level issues, and the one human agent who contacted me made a written commitment to reimburse my overdraft fee, then ceased all communication after my same-day reply. After two full days of documented resolution attempts, I remain without remedy. I am requesting regulatory review of Bilt 's disclosure practices regarding the Bilt XXXX account term changes, and of their use of an AI support system that demonstrably provides false information to consumers regarding their account options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: NJ

Complaint narrative:
I am filing a complaint regarding a credit card dispute with Citibank for a purchase involving a damaged and hazardous product delivered by XXXX. The item arrived with severely compromised packaging and visible damage. The product had exposed components, and while removing it from the packaging, I sustained a laceration injury due to its condition upon delivery. XXXX arranged a return and replacement but denied responsibility for the unsafe condition and resulting injury. I was advised by XXXX to pursue the matter with XXXX, despite the fact that XXXX fulfilled the order and is responsible for delivery. I have filed a dispute with Citibank under damaged items. Given the circumstances involving a hazardous product and injury, I am requesting that Citibank conduct a thorough and fair investigation and ensure appropriate resolution of this dispute. I have documentation available, including photos of the packaging, product damage, and injury.

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 2026-04-09 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: CA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 CXXXXe XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I have been paying on student loans since XXXX and have never been in default. XXXX is my current loan servicer. My balance when I graduated with my XXXX was {$110000.00}, and is currently XXXX after many years of consistent payments under an income driven repayment plan ( IDR ), which was established in XXXX. I was told that my loans would be forgiven after so many payments, but each time I got close to meeting their requirements for debt forgiveness, I was moved to a new program and the requirements were reset. My loan servicing company has done this several times over the course of my loan and capitalized the interest. Consequently, have paid them about {$130000.00} to date but my principal has hardly been reduced. I was told that I was placed in forbearance in XXXX when I spoke with XXXX on XX/XX/XXXX, which I never requested as I have not reduced or missed any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
XXXX XXXX credit cards were taken out in my name that I never applied for.

Company response to consumer: Closed with explanation