vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: UT

Complaint narrative:
I asked to close account through website as they had only way to get a hold of. XX/XX/XXXX asked for written verification of closure.They wouldn't respond. Then I called said couldn't help me. I wrote multiple times to close account. Refused to help me. Wouldn't listen. I spent months trying to get them to do anything I had been in the program. Year at that point in XXXX. The credit card said they'd settle for XXXX but they refused even though I paid XXXX in. They refuse to close account. They say call I call they say call tomorrow. Run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IA

Complaint narrative:
XXXX of XXXX our payment went up to cover supposedly a shorted escrow account .. I was told after this is paid for the year our payment would go back down .. XX/XX/XXXX they are saying we are short XXXX which makes no sense .. for a while in XXXX they had us having 2 home owners insurance policys because they failed to see we switched our house insurance .. I believe they have an error somewhere .. they send you a paper in the mail with a page full of numbers I believe to confuse their customers, also their inflated estimates are so far off .. they are not transparent and when i called the lady said my screen says all this stuff is correct? That's not an answer .. they are estimating our county tax to be XXXX which is incorrect .. also the insurance they have the amount doubled, so did they not see we don't have 2 insurance?? Very strange, we feel like we are being ripped off that's forsure. Started our home loan paying XXXX per month .now it's going up to XXXX in 2 years all because of their estimated projections which are wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Seller refunded the wrong charges to my Bank of America, but bank does not respond to my query about credit not showing in my account.

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
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION
State: MI

Complaint narrative:
Received email that due to bank transition, online banking and ATM use would be disrupted. Went to the branch in person to withdraw funds but were then told that we could only withdraw via ATM with {$100.00} limit despite having thousands in the account. In effect, we were left without access to our money, except {$100.00}, without warning, for over 48 hours causing extreme disruption to our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have maintained accounts with Bank of America for over 5 years and have never missed a payment or engaged in rewards abuse. Bank of America recently closed my personal and business banking relationship for compliance reasons. My credit card rewards balance of approximately {$240.00} was already earned and posted prior to closure. The credit card account was in good standing and I was not accused of fraud or misuse of the rewards program. I am requesting that Bank of America either restore access to redeem the earned rewards or issue the cash value owed. I request a written explanation citing the specific rewards-program provision they are relying upon if they intend to permanently withhold the rewards balance.

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 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently consolidated to my husbands bank account. I took all of my bills and recurring charges OFF Truist and never charge it again so I could close it. I got charged twice by two different vendors even after removing my Truist banking info and both times I immediately started a transfer for the money to not go into overdraft. Yet the overdraft fee was placed before that transfer completed. They took off one of them for me but absolutely refuse to take off the second one and now my account is sitting negative for the overdraft fee only. As well as now a maintenance fee for having a low balance. I have been wanting to close my account for 2 months and they will not work with me whatsoever.

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 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate rental reporting and request a reinvestigation under the protections provided by the Fair Credit Reporting Act, including 15 U.S.C. 1681c-2 and 15 U.S.C. 1681e ( b ). Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of information reported. The rental information currently being reported is inaccurate, incomplete, or can not be properly verified. Additionally, pursuant to 15 U.S.C. 1681c-2, any information resulting from identity theft or unauthorized activity must be blocked from reporting within the time allowed by law once disputed. I request that this account be investigated immediately and removed or corrected if it can not be verified as completely accurate and legally reportable. Please provide written confirmation of the results of your investigation. Thank you for your prompt attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-17 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I, XXXX XXXX, hereby declare and certify the following to be true and correct to the best of my knowledge : In or around late XXXX, my personal identifying information was used without my authorization to open a XXXX XXXX XXXX account that is now the subject of a collection lawsuit. Based on information that recently came to my attention, I believe the person who used my identity may have been my late friend, XXXX XXXX XXXX XXXX XXXX lived with me for approximately six months after I was hospitalized for about one week. During that time, he had access to my residence and potentially to personal documents and identifying information. I was later informed by my son, as well as XXXX XXXX XXXX, that while reviewing XXXX XXXX old belongings and records after his passing, they discovered information indicating he may have possessed some of my private personal information. I did not authorize anyone to open a XXXX XXXX XXXX account in my name, nor did I authorize the use of my personal identifying information for credit purposes. I am submitting this statement in support of my identity theft report and in connection with the civil matter currently pending against me. I declare under penalty of perjury under the laws of the State of Nevada that the foregoing is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX Re : XXXX Make XXXX XXXX I, XXXX XXXX XXXX had returned the XXXX XXXX XXXX which I co-signed with XXXX XXXX XXXX XXXX. I am returning the vehicle because it was sold through deceptive trade practices, and the following defect was undisclosed at the time of purchase. These defects consist of 6 recalls, and the vehicle is overpriced. Problem : Electrical system Ignition, anti-theft, immobilizer, key/sender service brakes, hydraulic power assist, hydraulic and back over prevention, sensing system camera That left me in an upside-down situation on a loan for a vehicle that is worth far less than represented at the time of sale. See the attached letter :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My Bank of America debit card was used fraudulently for 8 transactions on XX/XX/XXXX last year. The scammers canceled the CDs I had in Bank of America, then transferred the money from my CDs into my checking account and started making fraudulent charges. I reported it to the police that day, and with the police 's help, I called Bank of America customer service to request freezing these fraudulent payments. At that time, these payments were still processing. Bank of America told me they would give me a response after 90 days. Five of the fraudulent charges have already been refunded to me, but three have not. It has now been more than 100 days. When I call Bank of America customer service, they just tell me to wait. That's why I am coming to the CFPB to help me resolve this issue. That's why I am coming to the CFPB to help me resolve this 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 monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: IN

Complaint narrative:
I am submitting this complaint regarding a predatory billing and collection practice by XXXX XXXX and their billing processor, XXXX XXXX XXXX.On XX/XX/year>, I sent a signed membership cancellation letter to my home club via Certified Mail, as explicitly authorized by XXXX XXXX policy. XXXX tracking confirms the letter was successfully delivered to and received by the gym on XX/XX/XXXX, XXXX.Despite this legal cancellation, XXXX XXXX continued to process unauthorized monthly recurring charges and an annual fee. I filed a formal dispute with my financial institution ( XXXX XXXX ). After reviewing my certified mail delivery documentation, XXXX XXXX fully validated my claim, determined the charges were unauthorized, and permanently refunded the disputed fees.On XX/XX/year>, the company 's billing processor, XXXX XXXX XXXX, sent a " Payment Reminder '' notice demanding payment for an overdue balance on this contract. Total balance they are showing is {$40.00} at the moment ( which is expected to continuously accumulate each month ). I responded to dispute the validity of this debt, providing my certified mail tracking receipt and the bank 's dispute approval. XXXX XXXX XXXX refused to validate or correct the account, claiming they do not handle cancellations and stating the request would not be processed. Total amount so far is {$40.00} ( they will continue to add more each month ). I am currently out of the country for terminal illness medical care and XXXX, which prevents any in-person visits. The company is actively attempting to collect an invalid debt on an account that was legally terminated with confirmed delivery on XX/XX/year>. I request immediate closure of this account with a verified XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Kikoff Inc.
State: NY

Complaint narrative:
I am filing a complaint against Kikoff regarding an unauthorized automatic renewal of my account agreement and the resulting negative credit reporting. I originally signed up for a one-year agreement with Kikoff. After my original term ended, Kikoff automatically renewed the agreement and continued the account without my clear knowledge or meaningful consent. I was not adequately informed that a new term would begin automatically, and I did not knowingly authorize a renewal for another term. Because of this automatic renewal, the account later reflected missed payments that negatively impacted my credit profile. Had I been properly notified and clearly informed that the agreement would renew into another term, I would have canceled the service before any additional obligation began. I am requesting that Kikoff provide : 1. Proof that I explicitly consented to a new renewal term, 2. Proof that proper renewal notices were sent before renewal, 3. Copies of all disclosures related to automatic renewal, 4. Removal of any negative payment reporting related to the disputed renewal period. I believe Kikoffs practices may violate consumer protection standards regarding automatic renewals and informed consent. I also believe the reporting of late payments tied to a disputed renewal is unfair and inaccurate. I am requesting the following resolution : - Removal of the late payment reporting associated with the disputed renewal, - Correction of my credit file with all credit bureaus, - Written confirmation that the disputed renewal obligation has been canceled, - Refund or adjustment of any charges connected to the unauthorized renewal period if applicable. I attempted to maintain my account in good standing and completed my original agreement term. This issue arose only because the account was renewed without my clear authorization or understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: CITIBANK, N.A.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX In XXXX, XXXX sent me a collection letter for Citi Bank credit card that I did not open. Before the 30-day response time had ran out, XXXX sent me a civil summons XX/XX/XXXX Case XXXX XXXX , Kentucky XXXX I have since sent. Response to the summons. Including. IRS ID theft affidavit XXXX XXXX Police Report Affidavit to Citi Bank Cease and desist letter. Copy of Letter to Comptroller of the Currency. Copy of CFPB report. On XX/XX/XXXX, I received a request for documents. This is not my account, and they know it is not, because XXXX has already dismissed another case for 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 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I have an account with Robinhood with a two step verification. I tried to log in but I no longer have access to the device because it was stolen. I contacted robinhood several times to try to update my information. I received an alert that someone tried to access my account. I called the number and emailed them several times. I have dates from emails and multiple people replying and giving me different instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: GA

Complaint narrative:
MOHELA placed my account into an approved forbearance in XXXX but is holding my account in limbo with an unauthorized 'pending repayment application, ' preventing me from making progress on my loans I have a pending income repayment application and my loan was placed in forbearance. There is a balance of {$4800.00} that was dispersed on XXXX XXXX in the amount of {$3500.00} and I have paid {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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 am submitting this complaint regarding my student loan servicer, Nelnet, and their repeated failure to correctly process my Income-Based Repayment ( IBR ) application. I have applied for IBR four times and have called Nelnet multiple times seeking resolution. Each call has resulted in inconsistent guidance from representatives, and my payment continues to be calculated at $ XXXX a figure that is mathematically unsupportable given my current income and household size. Current financial situation : I have been unemployed since XX/XX/year> My only income is unemployment benefits of approximately $ XXXX ( gross ) My household/family size is 2 Using these figures, my IBR payment should be substantially lower than $ XXXX likely under $ XXXX based on standard XXXX discretionary income calculations. I have submitted each application using the alternative income documentation option to reflect my current income rather than my prior tax return. Despite this, the {$450.00} figure persists. The Nelnet borrower portal provides no calculation breakdown, so I am unable to identify where the error is occurring. I am requesting : 1. A written explanation of the exact income figure and family size Nelnet is using to calculate my {$450.00} payment 2. Correction of my IBR payment to accurately reflect my current income and household size 3. Confirmation that my alternative income documentation has been properly applied I have made repeated good-faith efforts to resolve this through Nelnets standard customer service channels without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding ongoing mortgage servicing and accounting errors by Valon Mortgage that have now resulted in my account being incorrectly marked as past due despite my payments being made on time. Since approximately XX/XX/year>, I have experienced repeated issues with Valons handling of my mortgage account. These issues have included : - payments being reflected as unapplied balances- contradictory account information - inability to establish autopay because the system incorrectly reflected balances due - inconsistent payment amounts displayed by the servicing platform - inaccurate delinquency notices My records show that I have made all required mortgage payments on time. Despite this, Valon is now claiming that my account is past due for amounts I do not owe. I previously filed a complaint with the Consumer Financial Protection Bureau regarding these servicing issues. As a result of that complaint, Valon conducted an audit of my account. However, the corrections identified through that process do not appear to have been properly implemented. Instead, the servicing and accounting errors have continued and have now escalated into inaccurate past due notices. I am extremely concerned that Valons continued mishandling of my account may result in inaccurate negative credit reporting despite my mortgage being contractually current. My credit history is extremely important to me, and I should not suffer financial harm due to servicing and accounting errors outside of my control. I am requesting that Valon : 1. Conduct a complete audit and accounting review of my mortgage account 2. Correct all servicing and payment application errors 3. Remove the inaccurate past due status 4. Confirm in writing that my account is current 5. Confirm that no inaccurate negative credit reporting has occurred 6. Refrain from furnishing adverse credit information related to this disputed matter while the investigation is pending 7. Provide a complete payment history and explanation of how the alleged delinquency was calculated I am attaching supporting documentation, including payment records, screenshots, account notices, and prior correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing a complaint against Truist Financial regarding their failure to properly handle a dispute involving a debit card transaction with XXXX XXXX. On [ DATE ], I was charged $ [ AMOUNT ] by XXXX XXXX for a flight. On the day of departure, XXXX XXXX canceled the flight. Following the cancellation, the airline confirmed in writing that I would receive a full refund. Truist denied the claim stating I had not contacted the merchant, despite the merchant already canceling the flight and confirming a refund in writing. Despite this confirmation, the refund has not been issued. I disputed the transaction with Truist on [ DISPUTE DATE ] and provided supporting documentation, including the airlines written confirmation of the refund. Truist has either denied the claim or failed to properly process it, and I have not received the funds. It has now been several weeks without resolution or meaningful communication. This situation qualifies as an error under Regulation E : - The merchant canceled the service - No service was provided - The merchant confirmed a refund obligation - The refund was never delivered Funds were withdrawn from my account for services that were not rendered and have not been returned. Truist has not properly resolved this error or provided a clear explanation of how the dispute was handled. I am requesting that Truist reopen and properly process this claim and return the full transaction amount.

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