vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal locked my account after my work sent my paycheck as a payment refund for whatever reason, when my PayPal Debit Card was locked, which bounced it back, then sent it as an ACH transfer, which then proceeded to instantly lock my PayPal account, thus making me broke, and unable to pay for basic needs, as well as rent. They are requesting impossible forms of ID, on top of my main state ID, brief explanations of purchases, which once submitted, loads forever, and never submits. Support was unhelpful and kept sending copy paste responses which did not allow me to help. I submitted my state ID after severe trouble and hoops, 5 days ago, with the app claiming they would review it within 1 day, still no review or email about it. I am about to go homeless because of this negligence. Support also tried to gaslight me by slightly changing the reason they locked my account to saying they think the account was made by someone else... which is absolute bull XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am a victim of identity theft involving a federal student loan serviced by Nelnet. I did not apply for, authorize, or benefit from this loan and did not attend the school associated with it. I became aware of this loan on or about XX/XX/year>. I immediately filed an Identity Theft Report with the FTC and submitted a dispute to Nelnet requesting removal of the loan. Nelnet denied my identity theft claim on XX/XX/year>, stating they believe I applied for or ratified the loan. This is absolutely incorrect. I am requesting a full reinvestigation, all documentation supporting their determination ( including application, signature, and enrollment records ), and removal of this fraudulent loan and any related credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I am submitting a formal complaint against Rocket Mortgage for failing to honor the interest rate protections afforded to me under the Servicemembers Civil Relief Act ( SCRA ). I am an XXXX XXXX with official military orders assigning me to duty in Louisiana. As you may know, Louisiana is recognized as a key provision state under the SCRA, and I meet all eligibility requirements for the 6 % interest rate cap on pre-service debt, including my home mortgage. Despite providing Rocket Mortgage with my active-duty orders and requesting SCRA benefits in accordance with the law, they have failed to properly apply the interest rate reduction to my mortgage. This has resulted in me being charged interest above the 6 % cap, in direct violation of federal protections designed to support servicemembers. I have made multiple attempts to resolve this issue directly with Rocket Mortgage, but the matter remains unresolved. Their lack of compliance has caused unnecessary financial strain and frustration during an already demanding time of military service and relocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage Response to Case # XXXX : Hi XXXX XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Notice Date XX/XX/XXXX We received your letter on XX/XX/XXXX, via the Consumer Financial Protection Bureau XXXX CFPB ) portal, regarding Reference Number XXXX, and we are sharing with you what we found after an investigation into your concerns. Form 1099-B We are unable to validate the XXXX Form 1099-B provided in your inquiry. To facilitate further investigation into this matter, we respectfully request you provide additional supporting documentation for review. Please provide documentation to support we issued this XXXX Form 1099-B, as well as documentation pertaining to the underlying transaction or event that necessitated the preparation issuance of the 2XXXX Form 1099-B. When providing this documentation, please ensure you advise the specific information you are requesting and include your loan number on all correspondence. You may provide this information to our Research Department by sending a message through your online account, or by utilizing the following contact information. Mail : Rocket Mortgage Attention : Research Department XXXX XXXX XXXX XXXX, TX XXXX E-mail : XXXX Fax : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: CA

Complaint narrative:
I sent money through Remitly using their XXXX service, but when the recipient went to collect the {$200.00}, they were not given the funds. Ten minutes later, I called Remitly, and they told me they couldn't do anythingthat I should call back the next day. To this day, no one has returned the money to my bank account. This was an international transfer to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates regarding an alleged debt they are reporting on my credit report. I dispute the validity of this account. I have no knowledge of this debt and have not been provided sufficient documentation proving that this account belongs to me or that Portfolio Recovery Associates has the legal right to collect or report it. I requested validation of this debt, including proof of ownership, account-level documentation, and evidence of the original agreement. Portfolio Recovery Associates failed to provide adequate verification but continues to report this account to credit bureaus. Additionally, there are inconsistencies and a lack of complete reporting, including missing payment history and unclear account details, which raises concerns about the accuracy and integrity of this account under the Fair Credit Reporting Act ( FCRA ). Their continued reporting of this unverified debt is damaging my credit profile. I am requesting that Portfolio Recovery Associates either provide proper documentation proving the validity and ownership of this debt or immediately delete this account from all credit reporting agencies. No contract, no statements, no proof provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is maintaining multiple inaccurate items on my credit file including a XXXX account with payment history inconsistent with what the same furnisher reported to XXXX, a XXXX charged-off account with delinquency codes inconsistent with XXXX for the same months, a XXXX XXXX XXXX account with a different balance and different delinquency history than what the same furnisher reported to XXXX, and a XXXX XXXX XXXX collection with a different first-delinquency date than reported to XXXX. These XXXX inconsistencies are apparent from a side-by-side comparison and indicate that inaccurate information is being maintained.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Receivables Network
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sent a letter stating I owe money to XXXX XXXX XXXX XXXX XXXX in Texas. I hare been to Texas nor did I authorize an account. I am concerned that someone opened an account in my name. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> at approximately XXXX I was notified that {$200.00} was sent to XXXX XXXX whom I do not know. Furthermore, I have never sent or received money from someone with that name. When I use my XXXX for online payments and transactions. My bank will send me a code to use before authorizing the transaction which it did not happen in this case. I immediately called Wells Fargo, and they confirmed that {$200.00} was sent to XXXX XXXX XXXX XXXX which is different from the name XXXX XXXX ( also strange ). Wells Fargo confirmed that the money was taken from my savings account which is odd because I typically use my checking account when using XXXX for transactions. Wells Fargo immediately closed my savings account and reopened with a different account number They also assisted me with changing my login and password. After all of this. I filed a claim with Wells Fargo because this was an unauthorized transaction. On XX/XX/year> Wells Fargo denied my claim in writing saying that it was in fact an authorized transaction which is a clear violation of Regulation E because this was an unauthorized transaction. I was not tricked by anyone to send money. I have also notified XXXX of this incident but understand it is Wells Fargo 's responsibility to address and correct this since I did not initiate or approve the XXXX transaction. This was clearly fraud. I've been a Wells Fargo account holder for over 25 years. This is disturbing. Please allow this communication to address my concern and complaint regarding the unauthorized fraud activity and how Wells Fargo failed to accurately assess and correct the matter. I am asking for Wells Fargo to correct the violation of Regulation E by returning money to my savings account in the amount {$200.00}. This was an unauthorized transaction whereby someone gained access to my information. This is not a situation where I was scammed and sent the money to a scammer/ That is my reason for contacting Wells Fargo immediately.

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 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: City First Mortgage Services, LLC.
State: SC

Complaint narrative:
Ill try to get more finance motorcycle and they denied me. I would like to know how I can dispute some of the stuff that is in my credit to be able to fix my credit a little bit more.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am a XXXX XXXX bankruptcy discharge borrower ( personal liability permanently extinguished under 11 U.S.C. 524 ). I submitted a complete short sale application through the XXXX XXXX for the property at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. A qualified buyer is under contract. My listing agent, XXXX XXXX XXXX XXXX XXXX, is actively managing the file on XXXX. The following pattern of conduct has occurred : 1. XXXX XXXX repeatedly demanded financial documentation relevant only to loan modification eligibility including pay stubs, bank statements, and spouse financial information as a condition of short sale review, despite the fact that I applied exclusively for a short sale and explicitly declined modification in writing. My spouse is not a borrower, co-borrower, or guarantor on this loan and has never been. Demanding her financial information violates Regulation B, 12 CFR 1002.5. 2. Every hardship category I checked on Form 710 ( the XXXX XXXX XXXX XXXX Assistance Application ) carries a Not Required designation for supporting documentation on the face of the servicers own form. Despite this, XXXX. XXXX continued to demand documentation and declared my application incomplete. 3. On XX/XX/year>, XXXX XXXX issued a notice stating they were unable to evaluate my application due to missing documents. This notice did not identify the specific documents required, the specific regulatory provision requiring them, or the specific investor guideline my short sale application fails to satisfy. This is not a compliant incompleteness determination under 12 CFR 1024.41 ( b ) ( 2 ), which requires the servicer to specifically identify what is missing and why. 4. The XX/XX/XXXX notice is also not a compliant denial under 12 CFR 1024.41 ( d ), which requires written notice identifying the specific reason for denial with citation to the applicable provision. No such citation was provided. 5. XXXX XXXX letter invited me to discuss other loss mitigation solutions language consistent with a pattern of attempting to route a post-discharge borrower into a modification pipeline, which would function as pressure toward a new repayment obligation in potential conflict with my bankruptcy discharge under 11 U.S.C. 524 ( a ) ( 2 ). 6. This pattern demanding modification-track documents for a short sale file, issuing non-compliant incompleteness notices, and repeatedly directing a post-discharge borrower toward modification is inconsistent with UDAAP standards under Dodd-Frank 1031.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
b'Defendant lack sufficient knowledge therefore denies'

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 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Recovery Services, LLC
State: LA

Complaint narrative:
I previously submitted a request through the Consumer Financial Protection Bureau to a debt collector regarding an alleged debt from a former apartment in Alabama. I requested proper validation and proof of the debt. I was informed that documentation was mailed to me, however it was reportedly returned, even though my mailing address is correct and I consistently receive all other mail at this address without issue. I was then told I would need to contact the post office or my mail carrier to resolve the issue of the returned mail. I do not believe this is reasonable, as I have no issues receiving any other mail at my address, and I do not feel it is my responsibility to investigate or correct a delivery issue for documentation that I requested and am entitled to receive. The company has also stated they are unwilling or unable to provide the requested documentation electronically or via email. I believe this is an unnecessary delay and an attempt to avoid properly validating the debt while continuing to report the collection. Additionally, I no longer reside in the state of Alabama where the apartment was located. Due to the failure to properly deliver validation and provide accessible documentation, I am requesting that this collection account be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We were asking to formally dispute an early withdrawal penalty of {$900.00} assessed on my Certificate of Deposit ( CD ) account on XXXX XXXX 2026 at the CITI bank. We understand there is a 7-day grace period for renewals ; however, we missed this narrow window by only 8 days only. We initiated the withdrawal 15 days after the renewal date, primarily to access funds for a significant and time-sensitive personal transaction due XXXX XXXX 2026. We were requesting a one-time courtesy waiver of this penalty for the following reasons : 1. Minimal Delay : The withdrawal occurred just 8 days outside of the standard grace period. The {$900.00} penalty is highly disproportionately high for such a short delay. 2. Client Loyalty : We have maintained a relationship with Citibank for 26 years and value the service provided, but a penalty of this size significantly impacts the financial planning and our view of the banks flexibility. 3. Lack of Prominent Notice : While we understand the terms are in the fine print, we did not receive a clear, actionable reminder that the 7-day window was closing, leading to this unintentional oversight. The one-time reminder noting the CD is maturing ( so very vague ) was sent on XXXX XXXX with no further alerts closer to the date noting the high penalty clause. In addition, the customer support site is impossible to navigate to resolve anything which we tried. We attempted to resolve this via phone on but the representative was unable to offer a solution. In fact, XXXX XXXX, the spouse, was feeling seriously unwell ( and had to be XXXX to control the situation ) after the call so I took over to call back and speak to the manager, without any luck. In fact, the manager/supervisor I spoke to did not even ask about my husbands healt status or apologized for how he felt after the talk with CITI customer service until prompted and reminded of the call being recorded. He was rude, bossy, unclear and the only solution offered was to go to the Branch manager - giving the short timeline, not timely alternative. As someone who works in health service industry, a VP with 20+ years of experience and long tenure in working with people ( XXXX in my team only ), the level of disrespect I experienced on the call - tone, message and genuine lack of care was surprising. As a result, we are escalating this to request that the {$900.00} be waived as a gesture of goodwill and due to circumstances noted above, focusing on business ones ( lack of transparency, short window, longevity of loyalty to the bank ).

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 2026-04-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I appreciate the continued coordination with the CFPB ( Case number XXXX and XXXX ) and the supplemental investigation conducted by American Express. While I am pleased that American Express acknowledged the accounting error in their initial XX/XX/XXXX, response following my feedback, I must express my serious concern regarding the new response dated XX/XX/XXXX. This latest correspondence continues to overlook critical accounting facts. Summary of Discrepancies In the initial response, American Express stated : " Because the posted amount exceeded the preauthorized amount, your account reflected a negative balance of {$64.00} ... To resolve the negative balance, we issued a temporary credit of {$64.00} ... On XX/XX/XXXX, the merchant processed a credit of {$75.00}. As a result, we reversed the temporary {$64.00} credit. '' The latest response correctly identifies the {$75.00} credit as a XXXX refund but incorrectly maintains that XXXX XXXX charged a total of {$250.00}. Evidence of Accounting Error The transaction records previously submitted clearly refute the bank 's current stance : XXXX XXXX Records : A screenshot of the XXXX transactions demonstrates that on XX/XX/XXXX, a negative adjustment of {$64.00} was applied directly to the gift card. Correction of Credit Origin : This {$64.00} was an adjustment from the merchant, not a temporary credit issued by American Express. Net Transaction Total : Consequently, the final charge from XXXX XXXX was {$180.00}. To fulfill my total obligation to the merchant, I was required to make a separate, independent payment of {$64.00} on XX/XX/XXXX. I trust that American Express employs investigators with the professional competency to reconcile these figures. I am requesting a thorough and precise review of these ledger entries. The mathematical reality of these transactions contradicts the conclusions reached in your latest response. Again, I am enclosing my original document which contains the transaction details from both the gift card and XXXX insurance and the two responses from Amex. I remain available to discuss this matter via telephone if a verbal explanation would help clarify these accounting facts. I look forward to a prompt and accurate resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
In accordance with 15 USC 1681s-2 ( a ) ( 7 ) the financial institution of XXXX XXXX and CNG partnered with XACT concerning account # XXXX have violated my rights based upon the facts below. I XXXX XXXX did not receive, nor do I recall receiving documentation of notification prior to or after explaining financial hardship status which resulted in a delinquent credit report. In addition in accordance with the fair credit Reporting act the XXXX XXXX or CNG account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for de purpose.

Company response to consumer: Closed with explanation