vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: MS

Complaint narrative:
I had an unexpected death in my family ( my mother ) that caused me not to be able to respond with in the 60 days. If the CFPB will allow me to plead my case Id like to give my feedback now. As I stated in both complaints I was in distressed XXXX my husband who had to sign off on the modification as well had just undergone a difficult life threatening surgery.He was sedated and under pain medication I have documentation for that. XXXX XXXX is stating I was in agreement with my monthly payments but there was nothing to agree on because my principal and interest rate has been the same before XXXX XXXX XXXX even bought my loan from XXXX XXXX XXXX Then on the first complaint you stated I was back and forth not wanting to signed on the second complaint its Im all for it. CFPB this is what I have been dealing with since the first XXXX XXXX XXXX bought my loan. They had me running around with my neck cut off sending in all different type of paperwork after paperwork even had me going to bank getting paperwork notarized to be told after speaking with tso many different representatives that I didnt even have to any of the modification papers etc. notarized I went through so much from XXXX up to XXXX to be forced into this outrageous loan. I deserved better than this I have been in my home since XX/XX/XXXX I financed it in XX/XX/XXXX over 23 years. I have paid for this house 4 times. All Im saying is do right. XXXX XXXX XXXX pushed me in corner used me and my husband health against us both. We had XXXX in our home at the time me my daughter and grandson was down weak sick I begged that man to let me rest my family was sick let me think He ran his XXXX right on to my doorstep and now XXXX saying I was in agreement no I was not XXXX was so out of it he didnt even remember XXXX I am crying for help my home is all I got I worked so hard to keep my house I just want my home to paid in full XXXX/XXXX/XXXX Im not asking for nothing thats not what it supposed to be I never refinance never filled bankruptcy I have been living of pray working hard and sticking it out. Thats all I ask

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: WI

Complaint narrative:
According to credit report simple fast loans says i owe XXXXXXXX XXXX and it was sent to a collection agency. Of which i have no knowledge of this. I guess it was sold to debt recovery solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Well, to start its caused me some serious emotional distress dealing with these people. They left XXXX 30 day no payments, and XXXX 60 day no payment negative marks on my credit report. It dropped it XXXX points. They wouldnt listen to me or look at the documents I showed them showing I made the payments, though late, I still made them. I never received anything from synchrony bank its always from XXXX XXXX. So I never knew of their outrageous late payment penalties. Anyway I finally spoke to a manager last week. Who said he would look into it. Well he did. The next day I no longer had a balance and I owed nothing they also took all negative marks off my credit report. Then today I looked on my synchrony bank app, just under 5 days ago and it showed I owe {$41.00}. I havent made a single purchase and my account has been closed since XXXX.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> I booked a room for XXXX nights to check in the same day through booking.com for {$540.00} total. The reservation details clearly stated the reservation was non refundable at the point of purchase, however the details also stated that the cost of cancellation until XX/XX/year> XXXXXXXX XXXX. would be the cost of the first night {$160.00}. Shortly after I booked the reservation I noticed I booked the wrong location and immediately notified booking.com and the location which I booked. I informed them that I needed to cancel the reservation and requested they waive the cancellation fee as I was booking another room through the same platform. I received a confirmation email XX/XX/year> at XXXXXXXX XXXX. that my request to cancel the reservation was received and they were trying to get the resort to make an exception for the fee to cancel. I never received anything after that and just assumed the transaction would either return back to my card or the amount would be adjusted to {$160.00}. The amount remained at {$540.00}. I contacted the merchant ( booking.com ) to request a refund in the amount of {$380.00}. They refused and stated that I would have to speak directly to the booked resort for any billing issues although booking.com is the company that charged my account. The resort was absolutely no help, therefore I submitted a dispute to Bank of America. Despite submitting overwhelming evidence corroborating my claim Bank of America repeatedly denied my claim.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MI

Complaint narrative:
I was stolen from and reported it to Chime Financial. Chime approved my disputes, but I was only refunded partially. When I contacted them to let them know I was not fully refunded they told me that I was and it was done. I kept trying to escalate it to someone to fix it but I got nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
I am formally disputing the Aargon Agency Inc. collection account for {$280.00} associated with XXXX XXXX ( XXXX ). This account does not belong to me. The utility service was placed in my name while I was a minor and I could not legally enter into a contract for utility services. I did not authorize, apply for, or assume responsibility for this account. I request that all collection activity cease immediately and that this account be removed from my credit reports. Please provide documentation proving I opened this account as an adult and am legally responsible for the debt. If you can not provide such documentation, I demand its immediate deletion pursuant to the Fair Credit Reporting Act. Thank you for your prompt investigation.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I spoke to the debt collector for XXXX XXXX commenity bank. I told them that I did NOT open a new XXXX account. I had an XXXX account XXXX years ago that I paid off. They claim that I have opened another XXXX and made charges. I did not. They are sending me a bill as if this is proof that I opened the new account. But, I DID NOT. This is a fraudulent account. I don't know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I am formally disputing the Radius Global Solutions LLC collection account for {$290.00} associated with XXXX XXXX. This account is fraudulent and does not belong to me. I believe it may be the result of identity theft or unauthorized use of my personal information. I request that all collection activity cease immediately and that a full investigation be conducted. Please provide documentation proving I opened or authorized this account. If you can not verify the account, I demand its immediate deletion from my credit reports pursuant to the Fair Credit Reporting Act. Thank you for your prompt attention to this matter.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
. A check ( # XXXX ) was issued and now is expired, due to I was out of state working.I have been told multiple times that this request is being escalated with no resolution to this matter over the past XXXX weeks I call everyday and since then, as they tell me someone will contact me and that never happens no straight answers at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I dispute this collection account being reported by Jefferson Capital Systems , LLC. The account allegedly originated with XXXX XXXX for {$57.00}. I have not been provided sufficient documentation proving that I owe this debt or that Jefferson Capital has the legal authority to collect it. I request that the company provide complete validation of the debt, including the original agreement and account records. If they can not verify the accuracy of this account, I request that all collection activity cease and that the account be removed from my credit reports immediately. I am seeking a full investigation and correction of any inaccurate reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLANDCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRED 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 explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX my Cash App account was abruptly flagged for closure with no specific reason provided other than a generic 'Terms of Service violation. ' I have used this account strictly for legitimate personal transactions and have not violated any rules. I immediately requested an internal appeal through Cash App customer support, but they refused to provide details or human review. Cash App 's automated system has closed my account erroneously, and their customer support team refuses to provide transparency or a meaningful path to resolution. I request a manual human review of my account history to reverse this false-positive ban and fully reinstate my account services. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: TX

Complaint narrative:
I am submitting this follow-up complaint regarding Bank of America XXXX XXXX. My concern is not simply that the dispute was denied. My concern is that Bank of America appears to have repeatedly evaluated a different issue than the one actually disputed. I never claimed that the transaction was unauthorized, fraudulent, or invalid. I never disputed that I made the purchase, authorized the charge, or stayed at the property. My dispute concerned services not provided as described. Specifically, the accommodation lacked a functioning refrigerator for approximately XXXX weeks during my stay. The issue was repeatedly reported to both the host and XXXX. The refrigerator was eventually replaced after a substantial delay. Following my original CFPB complaint, Bank of America reopened the dispute and conducted a second review. However, during neither investigation did Bank of America request supporting documentation, screenshots, photographs, correspondence, or any other evidence from me. Instead, the bank relied exclusively on documentation submitted by XXXX. What is particularly concerning is that XXXX 's own evidence confirms the existence of the underlying service issue. The materials submitted by XXXX show that : * the refrigerator malfunction was reported ; * the issue remained unresolved for approximately XXXX weeks ; * the host acknowledged the problem; * compensation was discussed ; * the refrigerator was eventually replaced. Despite this, Bank of America denied the dispute by stating that XXXX provided documentation showing that the transaction was valid. The validity of the transaction was never disputed. The question presented by the dispute was whether the services were provided as described and whether the documented service failure justified compensation. Instead, Bank of America repeatedly focused on transaction validity, which was not the basis of the dispute. My concern is therefore not merely the outcome of the dispute, but whether Bank of America conducted a reasonable and impartial investigation of the actual issue being disputed. Even after CFPB involvement and a reopened investigation, the bank again denied the claim without requesting evidence from the cardholder and without explaining how the merchant 's own documentation disproved the underlying service-quality complaint. I respectfully request review of whether Bank of America properly evaluated the substance of the dispute and whether it was reasonable to deny a service-quality dispute based on transaction validity when transaction validity was never disputed by the cardholder.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or around late XX/XX/year>, I reported unauthorized fraudulent charges totaling over {$30000.00} on my Wells Fargo debit card after my card was stolen. I provided a police report and an FTC identity theft affidavit as supporting documentation. Wells Fargo confirmed that the transactions were fraudulent. Despite this confirmation, I have not received provisional credit. Multiple representatives stated that provisional credit is required and that a request was submitted to the specialized/high-dollar team. XXXX representative indicated the request was sent last Thursday or Friday. As of today, Monday, XX/XX/year> which is the XXXX business day since the claim was properly submitted I still have not received provisional credit or any update on the status. When I called today, the representative acknowledged seeing the prior request but stated there was no update from the specialized team. She submitted another request but could not provide a timeline or confirmation that the credit would be issued. Under Regulation XXXX, Wells Fargo is required to either resolve the claim or provide provisional credit within XXXX business days. They have confirmed the transactions as fraud yet have failed to issue the required provisional credit by the regulatory deadline. This has left me without access to my funds for an extended period despite providing all required documentation. I have called multiple times requesting escalation and written confirmation. Each time I am told the matter is with a specialized team, but no resolution or credit has been provided.

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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
CFPB Complaint Draft Against USAA Federal Savings Bank I am filing this complaint against USAA Federal Savings Bank for unauthorized electronic fund transfers and failure to promptly resolve or restore funds after I reported the issue. On or about XX/XX/year>, approximately {$11000.00} was transferred from my USAA account ( XXXX ) without my authorization. The transfers appear in my USAA app as multiple internal USAA transfers, including large debits involving my Primary Account, Savings Account, and/or Emergency Funds account. I did not authorize these transactions, did not initiate them, and did not receive any fraud alert, verification request, or warning from USAA before the funds were moved. I disputed the unauthorized transfers with USAA on Friday, XX/XX/XXXX. As of today, USAA has not fully restored my money, and my accounts still do not properly reflect the missing funds, including approximately {$11000.00} that remains unresolved. My concern is that USAA failed to protect my account, failed to alert me of suspicious movement, and has not provided a clear, timely, written resolution after I reported unauthorized electronic fund transfers. I am requesting that this matter be reviewed under the Electronic Fund Transfer Act and Regulation E. I am requesting the following resolution : 1. Immediate restoration of all unauthorized funds. XXXX. Written confirmation of all disputed transactions and claim numbers. XXXX. Written explanation of XXXX investigation findings. 4. Provisional credit if the investigation is not complete within the legally required timeframe. XXXX. Confirmation that USAA preserved all records, device logs, authorization records, transfer history, internal notes, and account security data. XXXX. Explanation of why no fraud alert, hold, verification, or warning was provided before these funds were transferred. This issue has caused financial harm, loss of access to my money, stress, and loss of trust in USAAs ability to safeguard my funds. Name : XXXX XXXX : USAA XXXX XXXX XXXX Reported to USAA : XX/XX/XXXX, XXXX Disputed : Approximately $ XXXX Account ( XXXX ) : XXXX, XXXX

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 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SinglePoint GI
State: VA

Complaint narrative:
On or about XX/XX/year>, I received a debt collection notice from XXXX XXXX XXXX regarding an alleged accounts receivable debt owed to XXXX XXXX XXXXXXXX XXXX XXXXXXXX University in the amount of approximately {$16000.00}. I attempted to exercise my rights and request validation of the debt. On or about XX/XX/year>, I mailed a written debt validation request by certified mail to the mailing address provided in XXXX XXXX XXXX collection notice. T he correspondence was later returned to me by the United States Postal Service marked RETURN TO SENDER NOT IN SUITE NUMBER UNABLE TO FORWARD. As a result, I was unable to successfully deliver my validation request using the address provided in the collection notice. I also attempted to contact the company through its online contact form to request validation of the debt and written communication regarding the account. To date, I have not received the requested validation information. I am seeking documentation sufficient to verify the debt, including an itemization of the balance and supporting documentation for the amount being collected. I am requesting that XXXX XXXX XXXX acknowledge my attempt to dispute and validate the debt, provide the requested validation information, and confirm the correct mailing address for future correspondence.

Company response to consumer: Closed with explanation