vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: OK

Complaint narrative:
I filed a dispute for a fraudulent item that was purchased on my card. After being asked to send multiple documents from the merchant and additional information my dispute got denied 3 separate times as they keep asking for additional information however what they ask is what is already submitted. I have email and names sent on my claim and have provided everything they have asked. I was informed under the cards protection program for fraudulent items that I would have my funds in my account. They have taken these funds from me and placed me into the negative balance. I have been in contact with Navy Federal manager XXXX upon multiple other employees and they have given me no information as well as misleading or completely incorrect information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have been a customer of bank of America for 20 years. During that time they have illegally withheld funds and delayed withdrawals so I would be forced to pay their overdraft fees. I have never once asked them for assistance or forgiveness for any amount I have owed them. two weeks ago I began having excruciating pain that has stopped me from being able to work for the first time in my life. I owe my bank of America credit card XXXX. I called today to speak to the hardship department and they informed me that they could do nothing to assist me or alleviate my XXXX about trying to get them paid off with my one last paycheck coming in one week. I asked to speak to a manager and he repeated the same thing. I offered to submit paperwork from my physician to show I am being truthful in this matter. Nothing would offer me any help

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 2026-04-24 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: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XXXX a Transaction of XXXX was charged for a subscription for dog training with XXXX XXXX XXXX XXXX XXXX XXXX. Realizing my error at age XXXX I immediately cancelled this within a few days. Once again the next month on the XXXX of XXXX I was charged another XXXX. I called my credit card company Apple Card Goldman Sachs to dispute the charge for the total amount of XXXX which they gave me a dispute credit that same day but also gave me a additional double charge for a return credit of XXXX. This past Monday they notified me of another charge of the same amount twice due to Merchandise Credit by the Company. I never ordered any physical Merchandise to credit this account Its a bogus excuse to scam me as a customer. I called the credit card company and spoke to two separate individuals that repeat the identical reason for the charge. So what it comes down to isI am being scammed for XXXX. No physical merchandise received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: WI

Complaint narrative:
I took out a secured loan account number XXXX XX/XX/XXXX from XXXX XXXX using my house as collateral. The loan was paid off XX/XX/XXXX. In XXXX XXXX XXXX I went to apply for a HELOC & discovered that XXXX XXXX Forgot to terminate the Lien on my house. Consequently, I can't take out the line of credit until XXXX XXXX Fulfills it's duty & terminates the lien. I've called XXXX XXXX 3 times in the past week. They all said it was paid in full & this never should have happened. However, no one has been able to acknowledge my previous phone call. The First woman I spoke with sent me an email to show the loan was paid off & instructed me to take it to the county. The county told me they need a special legal document from the company & it wouldn't suffice to remove the lien. The second Phone call, they said a supervisor would call me back which never happened. The third phone call they said it would be taken care of in a few days, and I'm still waiting...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint against LVNV Funding LLC and its servicer, Resurgent Capital Services regarding failure to validate an alleged debt. On XXXX XXXX XXXX, I formally requested validation of the debt they claim I owe. As of today, they have not provided any documentation or evidence to verify that this debt is accurate, that I am the correct consumer, or that they have the legal right to collect. Despite my request, the account continues to be reported on my credit report and/or collection activity may still be ongoing. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection efforts until proper validation is provided. I am requesting that LVNV Funding LLC and Resurgent Capital Services : 1. Provide proper validation of the alleged debt, including original creditor information, account documentation, and proof of their authority to collect ; or 2. Immediately cease collection activity and remove the account from my credit report if they can not validate the debt. I also request that this matter be investigated and that appropriate action be taken to ensure compliance with federal law. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a checking account on XXXX XXXX XXXX on XX/XX/XXXX. I specially indicated that I don't want any overdraft from the checking account. ( See the highlighted part in XXXX XXXX ) Later XXXX XXXX XXXX become Truist Bank by merging with SunTrust Bank. I have been getting over draft fees on the same account 5 times in XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX ). I wasn't not notified by e-mail or notifications from the app. I received a paper notice 3-4 days later after I charged by overdraft fee.

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 2026-04-24 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: FL

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Wells Fargo checking account. Multiple transactions were made that I did not authorize. I reported these transactions immediately upon discovery. Wells Fargo denied my claim, stating that the transactions were authorized, but they have not provided any evidence supporting this determination. When I asked what evidence they relied on, I was not given a clear answer. I am requesting a reinvestigation under the Electronic Fund Transfer Act ( Regulation E ), as I did not make or approve these transactions. I also request that Wells Fargo provide documentation of how their investigation was conducted and what evidence they used to conclude the transactions were authorized. I am seeking reimbursement of the unauthorized transactions and proper handling of my claim in accordance with federal law.

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 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I switched insurance companies in XXXX and had no problems until XXXX when my mortgage payment increased by over {$500.00} per month. They said it was because I switched companies before the policy end date. I was never properly insured by my previous company and found one that will actually provide the coverage required. The prorated refund check for the old policy was around {$320.00}. The new policy was only {$500.00} more than the old one. I have no way of making this new payment. I contacted my mortgage company ( XXXX XXXX XXXX ) right away when I received the notice. They were looking into the insurance to see if both companies were paid in XXXX. When I called to follow up in the beginning of XXXX they said they could no longer help because my mortgage was transferred to XXXX. So, now I am looking at 2 months behind in payments and the ONLY response I got from XXXX is " well I guess you got to sell your house. '' When I refinanced with XXXX, I made it VERY CLEAR that I can not afford anything over $ XXXX month. They convinced me to do around {$1400.00} until rates went down in the fall ( closed in XX/XX/year> ). XXXX came around and they did not reduce anything. They took approximately $ XXXX off the " main loan '' and put it in a separate loan that I am to make payments on in 30 years. This brought my monthly payment to {$1100.00}. With the new escrow mess they refuse to clean up it is now $ XXXX month. I would like to know how they justify {$6200.00} PER YEAR for ONLY a {$500.00} insurance increase. ADVICE : Do not have any discussions with any mortgage company over the phone. Get it all in emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear XXXX XXXX, I am writing to follow up on the response I received regarding my complaint ( Complaint # XXXX ; Case # XXXX ). After reviewing your response, I noticed that it appears to contradict prior communication I had with XXXX at XXXX from the Complaint Resolution Department. During our discussion, she acknowledged my concerns, agreed with my account of the issue, and apologized for the incorrect information initially provided by a support engineer. She also indicated that she had escalated the matter internally. Given this discrepancy, I would like to understand whether the call recording from my initial interaction with the support engineer was reviewed as part of your investigation. I believe that listening to this recording will help clarify the situation and ensure that all facts are accurately represented. I also want to take a moment to recognize XXXX for her professionalism and willingness to acknowledge and address the issue after reviewing the details. I kindly request that you re-evaluate the case, including a review of the recorded call, to ensure a complete and accurate resolution. Thank you for your time and attention to this matter. I look forward to your response. Sincerely, 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 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX : Valon sent me a check for {$1500.00} with no real description as to what it was for ... " Refund for loan XXXX. '' XX/XX/XXXX : I received a call from my insurance agent and from the insurance company, XXXX XXXX XXXX, telling me the bill was not paid by my escrow account with Valon Mortgage... notice of cancelation if not paid. XX/XX/XXXX : I called Valon and explained that I have ALWAYS had an escrow account that paid my property taxes and insurance ( including the last XXXX companies that handled my mortgage since moving here XX/XX/XXXX ). I was told they had to send this matter to their " back office, '' their escrow team to review ... they would get back to me by email by the end of XXXX. Now I've paid into the escrow account AND paid the insurance company the full premium. Escrow Account takes XXXX XXXX XXXX XXXX XXXXXXXX Escrow Account Holds Money to pay for : Property Taxes : {$4100.00} Flood Insurance : XXXX TOTAL : {$4600.00} * * Where does the remaining {$1100.00} go? IT'S FOR the escrow account to pay homeowners insurance to XXXX XXXX They should not have sent a refund. THey should have paid the insurance, which I have now paid in full while they hold my money. I went ahead and paid the full year coverage to XXXX XXXX ... {$2400.00}, so as not to get canceled ( new insurance company ), and not knowing when Valon would take care of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: GA

Complaint narrative:
Company Name : Wells Fargo Product : Checking Account / Debit Card Issue : Unauthorized Transactions I am submitting this complaint regarding XXXX unauthorized debit card transactions totaling {$640.00} that were processed by my bank despite my explicit denial of the transaction at the time of a fraud alert. On XX/XX/year>2025, I received a fraud alert from Wells Fargo asking if I recognized a {$320.00} transaction with XXXX XXXX I responded NO, clearly indicating that I did not authorize the transaction. Immediately after, my card was restricted for security, and I took steps to secure my account. Despite this, on XXXX XXXX, 2025, XXXX separate transactions of {$320.00} each ( totaling {$640.00} ) were processed and posted to my account by the same merchant ( XX/XX/XXXX ). I did not authorize these transactions, do not have an account with this merchant, and did not receive any goods, services, or benefit from these charges. I promptly reported the unauthorized transactions to the bank & requested a new card A provisional credit was issued. The bank later reversed the credit, stating the transactions were authorized based on merchant-provided information. I visited a branch and requested further assistance, but was told to contact the merchant directly. This matter falls under Regulation XXXX, which protects consumers against unauthorized electronic fund transfers. I explicitly declined the transaction before it was processed. The bank has not provided any evidence that I personally authorized these transactions ( such as IP address, device authentication, or account access tied to me ). The bank is improperly shifting responsibility to the merchant, despite this being a debit card fraud issue. The use of my debit card information alone does not constitute authorization under Regulation 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 monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to raise a concern regarding a charge-off account reported on my credit report that appears to be inaccurate or unverifiable. I have not been provided with sufficient documentation to confirm the validity, balance, or reporting of this account. Despite my previous efforts to obtain verification, the account continues to be reported. This is negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a thorough investigation. Any information that can not be fully verified as accurate and complete should be removed.

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 2026-04-24 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: TX

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 2026-04-24 00:00:00
Product: Credit card — Store credit 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: FL

Complaint narrative:
I am filing a follow-up complaint regarding a prior case ( CFPB XXXX # XXXX ) that was closed without resolution. Citibank claims that I received two credits related to a {$1800.00} payment : A refund check for {$1700.00}, which I acknowledge and deposited A second credit of {$1800.00} via a chargeback on XXXX which I did NOT receive Citibank has stated that my bank should have credited my account but has failed to provide any verifiable transaction details, including : ACH trace number Chargeback reference number Proof of settlement into my account Receiving bank confirmation I have confirmed that no such funds were received in my bank account. Without traceable transaction data, Citibank has not demonstrated that the alleged second credit was ever completed. I am requesting : Verifiable transaction details for the alleged {$1800.00} chargeback Proof of settlement into my account Correction of my account if such proof can not be provided Citibanks claim that I received duplicate credit is unsupported and remains unresolved.

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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I made my last full payment toward my auto loan around XX/XX/year> and brought the account to a {$0.00} balance. Shortly after that, I contacted Navy Federal by phone ( recorded line ) and requested a voluntary repossession because I could no longer afford the vehicle. At that time, I was told over the phone that they would arrange to pick up the vehicle. I was not instructed to complete any additional steps, and I was not told that any documents would be mailed to me. Despite my request in XX/XX/year>, Navy Federal did not repossess the vehicle until XX/XX/year>, which is approximately 45 months later. This delay does not make sense and is not consistent with standard repossession timelines. During that entire period, I was waiting for them to retrieve the vehicle after my request. Navy Federal is now claiming that I failed to complete required steps and that notices were sent, but I never received any letters or documentation. I was not properly notified of any required actions, and I was not residing at the address they claim to have used for mailing. Additionally, Navy Federal withdrew funds from my account in XXXX ( around XX/XX/XXXX and XX/XX/XXXX ) labeled as adjustments. These withdrawals were made without clear notice, without a detailed explanation, and the amounts do not match. I have requested a full transaction ledger and documentation multiple times, but they have not provided it. I attempted to resolve this issue directly with the company, but they have failed to provide proper documentation and only offered a partial ( 50 % ) refund, which I do not accept. I believe the voluntary repossession process was mishandled, including the delay in pickup and lack of proper notice. I am requesting : 1. Full refund of all disputed withdrawals 2. Full transaction ledger showing how each amount was calculated 3. Proof of authorization and legal basis for taking funds 4. Proof of notice, including address used and mailing records 5. Correction of my account and credit reporting due to mishandling of the voluntary repossession process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
b"This complaint is a continuation of cfpb complaint #XXXX against XXXX XXXX XXXX XXXX and synchrony bank this alleged debt has been passed on to XXXX XXXX XXXX as I stated this was an conspiracy from the beginning starting in XXXX to pay synchrony bank for unauthorized and unwanted items this prolonged action has dampered any credit I might have had,and as stated XXXX XXXX XXXX submitted false info to synchrony bank for me to obtain credit for items a card which I didn't use and requested it to be retrieved by bank and the deactivated u a items,which they refused to do so,as I see this is a brush off by synchrony bank to get non XXXX accredited company's to obtain this money.both of the company two office XXXX XXXX , XXXX XXXX fl and XXXX VA has failed to talk and have been hung up on purposely at the company's numberXXXX XXXX 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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

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

Company response to consumer: Closed with explanation