vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Mortgage — FHA 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: U.S. BANCORP
State: IL

Complaint narrative:
This is the most recent notification provided to US Bank : I am writing to formally request a re-evaluation of my FHA loan loss mitigation options. I was offered a loss mitigation solution in XX/XX/XXXX, attested to the terms, and was advised it would go into effect in XX/XX/XXXX. I recently learned that this option may have been denied retroactively, and I have not received a clear explanation or written denial regarding this reversal. I want to provide the following information for proper consideration : Ability to Sustain Payments : My income has increased significantly since the original loan closing in XXXX {$20000.00} higher than at that time. I can fully afford the monthly mortgage payment going forward. Reason for Delinquency : My prior delinquency was due to circumstances outside my control, specifically HOA assessments and limitations of the previous partial claim structure, not an inability to pay my mortgage. Servicing Error / Timeline Concern : The XX/XX/XXXX option was offered to me after the XX/XX/XXXX FHA loss mitigation rule changes. Presenting terms for my agreement and then potentially reversing them appears inconsistent with FHA servicing requirements, which require a full and documented evaluation before denying any option. I respectfully request : Written documentation of any denial, including the date and rationale A full FHA waterfall evaluation to determine any remaining loss mitigation options Consideration of a sustainable option that addresses arrears without requiring full reinstatement, consistent with my verified ability to maintain regular payments I am committed to maintaining my home and resuming full compliance with my mortgage obligations. I request prompt review and guidance on how to proceed under FHA guidelines. I am concerned that my account has not been fully reviewed or properly evaluated for standard FHA servicing options, specifically repayment plans designed to cure temporary delinquencies.

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 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I dont have any knowledge of this debt and I would like for more information about this debt or debt validation if I cant get that I would like it to be removed from all three credit bureaus

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 2026-04-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX the United States Bankruptcy XXXX for XXXX XXXX XXXX XXXX Florida Case No. XXXX XXXX XXXX XXXX XXXX presiding entered a discharge order in XXXX XXXXXXXX XXXX bankruptcy XXXX. Bank of America XXXX XXXX and XXXX XXXX XXXX XXXX were both listed as creditors. Both were properly notified. Neither appeared. Both were XXXX as UNSECURED creditors. The federal bankruptcy court recognized no secured interest by either party in XXXX 's property at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX exactly XXXX months and XXXX days after the bankruptcy discharge Bank of America signed XXXX XXXX XXXX Instrument XXXX recorded in XXXX XXXX Florida on XX/XX/XXXX as successor by merger to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX signed the same deed as XXXX for Bank of America. The signatory was XXXX XXXX XXXX XXXX XXXX of XXXX a documented robo-signer identified in XXXX Florida XXXX XXXX decisions. The deed contains fabricated loan number XXXX never reported to the IRS. XXXX 's home was sold for {$78000.00}. Bank of America and XXXX were XXXX as unsecured creditors in federal bankruptcy court on XX/XX/XXXX. XXXX months later the same XXXX parties signed a deed as Trustee and Attorney-in-Fact as if they were the secured party with full legal authority to convey title to XXXXXXXX XXXX property. These two facts can not coexist. If Bank of America and XXXX had a legitimate secured interest in XXXX 's property through void Assignment of Mortgage Instrument XXXX they had an obligation to appear in the bankruptcy and assert that secured claim by filing a proof of claim. They did not appear. They did not file a proof of claim. Their failure to assert a secured claim in the bankruptcy is an admission that they had no such claim. Bank of America 's XX/XX/XXXX final resolution letter from the XXXX XXXX XXXX XXXX and President signed by XXXX XXXX claimed that XXXX XXXX XXXX was the independent investor and foreclosing party and that Bank of America had no involvement in the first mortgage. That representation XXXX have influenced XXXX XXXX bankruptcy filing and prevented him from properly identifying all secured parties. Bank of America can not simultaneously claim no involvement in the first mortgage in XX/XX/XXXX and then sign a deed as Trustee conveying title to that same property in XX/XX/XXXX. This complaint is supported by the attached document XXXX Bankruptcy XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX. XXXX XXXX XXXXXXXX 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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: IN

Complaint narrative:
There was money that came off my card I called chime to tell them and they did nothing it was XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ECMC GROUP, INC.
State: NV

Complaint narrative:
Complaint : I am filing this complaint against ECMC Education Credit Management CorporationXXXX XXXX XXXX XXXX XXXX for reporting inaccurate, misleading, and unverified information on my credit report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account in question ( Account No : XXXX ) is being reported as open while also listed as in collection, which is contradictory and violates the requirement for accurate and complete reporting under the Fair Credit Reporting Act ( FCRA ). Additionally. This alleged debt has been canceled/discharged, and I possess documentation confirming cancellation of debt. Despite this, the company continues to report the account as an active collection, which is a material misrepresentation of the legal status of the obligation I have reason to believe the company is also failing to comply with XXXX XXXX reporting standards, as the account data fields ( status, balance, and payment rating ) are inconsistent and do not accurately reflect the true condition of the account. Furthermore, the company has failed to provide adequate proof that they are the lawful owner of this alleged debt or that they have the legal authority to collect or report it. They have not provided : A valid chain of assignment A signed agreement establishing the original obligation Evidence that the debt remains enforceable and was not discharged Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report information that is accurate and to conduct a reasonable investigation when a dispute is raised. The continued reporting of this account despite clear evidence of cancellation and discrepancies indicates a failure to meet these obligations.

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 2026-04-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I added an offer to the chase freedom card that provided 5 % cash back from XXXX. I placed an order from XXXX. I did not receive the cash back and chase deleted the offer from my card without notice. I would have placed the order with another card if I had known chase would not honor the offer and cover up the fact that I had accepted their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing a complaint regarding the closure of two of my U.S. Bank credit card accounts due to suspected fraud or risk. Both accounts were closed following several declined transactions I attempted on a website based in XXXX. These transactions were made by me and were legitimate. The payments failed, which led me to retry multiple times, unintentionally triggering security concerns. I was not contacted or given an opportunity to verify my identity or confirm these transactions before both accounts were closed. I believe this decision was made based on a misunderstanding of legitimate activity rather than actual fraud. Closing both accounts simultaneously has significantly impacted my access to credit and financial stability. I am requesting a formal review and reconsideration of this decision. I am fully willing to provide any identity verification or documentation needed to confirm that all activity was authorized by me. I also request a clear explanation of what specific activity triggered this decision and whether my accounts can be reinstated.

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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Between XX/XX/year> and XXXX XXXX two unautherized wires were issued from my Citibank Account for a total of {$170000.00} without my knowledge or permission. The option to allow wires on my acount was disabled and has been since I opened the account at least XXXX years ago. Both wires were international and at least one went to XXXX XXXX XXXX ( which I have never heard of ) but both went to XXXX. At the time of this fraudulent activity, I was living in XXXXXXXX XXXX and to this day, have no connections or reason to wire funds to anyone in XXXX. I am XXXX XXXX XXXX and the fact that they would claim I would allow Wire Transfers at all, let alone for these amounts and to a foreign country is ridiculous. I am unsure how Citibank allowed these transactions to go through and believe they did not do their due diligence in safeguarduaring my account/funds. I have repeatedly disputed these transactions with Citibank but they have consistently denied my claims despite the evidence provided. I am the victim of fraud and am requesting a through re-investigation of this fraud case based on the facts provided here.

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 2026-04-22 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: VA

Complaint narrative:
My account was recently compromised by an unauthorized party in XXXX. I promptly reported this, and following PayPals internal investigation, I was notified that I was not held liable for the unauthorized activity. Despite the investigation confirming that I was the victim of fraud, my account was subsequently " permanently limited. '' This appears to be a systemic error where a victim of identity compromise is being penalized for the very activity PayPals security team has already cleared. My account was hacked by someone in XXXX for close to XXXX XXXX dollars in purchases from companies in XXXX. Meaning the hacker was in XXXX and buying machine parts from a company in XXXX. Paypal did an investigation and determine that fraud was involved, but they 'limited " my account which means that Paypal made my account virtually unusable. They told me to wait XXXX months which I more than did and my account was never restored to being able to be used. I have no knowldege of who hacked into my account and would venture to say that it was probably Paypal 's inability to protect my account information. Since their investigation determined that the breach was from fraudulant activity, I want mmy account restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Bridgecrest Acceptance Corporation
State: NH

Complaint narrative:
I purchased a vehicle through XXXX approximately XXXX years ago. I did not receive a valid title for the vehicle, which made it impossible to register or legally use. Due to the unresolved title issue, I initiated a voluntary surrender of the vehicle. However, the vehicle was never picked up and has remained in my possession since that time. Over the past several years, I have made multiple attempts to contact both XXXX and Bridgecrest by phone and email to resolve this issue. I have requested the title, clarification on the status of the loan, and guidance on how to properly resolve or surrender the vehicle. Despite these efforts, I have not received clear answers or a resolution. The vehicle remains unused, and the account status has not been properly resolved. A resolution was recently discussed ; however, it included penalties or terms that I do not feel are appropriate given that the issue originated from the lack of title and failure to complete the surrender process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: NY

Complaint narrative:
I am submitting this complaint regarding a prior dispute with Goldman Sachs Bank USA that was not properly investigated. This complaint concerns a transaction in the amount of {$330.00}, paid via my Apple Card through XXXX to the merchant XXXX * hangar XXXX. I never received the merchandise associated with this transaction. I previously filed a complaint through the Consumer Financial Protection Bureau. In the banks official response, they explicitly stated that they did not receive any merchant evidence related to this transaction. Despite acknowledging that no merchant evidence exists, the bank still ruled the dispute in favor of the merchant, claiming that the merchandise had been delivered. No tracking number, shipping confirmation, or proof of delivery has ever been provided to me, nor has the bank been able to produce such documentation. This indicates that the decision was made without any verifiable proof that the goods were shipped or delivered. A determination in favor of the merchant without evidence of fulfillment raises serious concerns about the adequacy and fairness of the investigation. Additionally, the bank referenced the merchants XXXX policy as part of its reasoning. This is not relevant to a credit card billing dispute. The central issue is whether the merchandise was delivered, not the merchants internal policy. I made multiple good-faith attempts to resolve this matter with the merchant, who ultimately stopped responding and is no longer reachable. I also made multiple attempts to dispute this charge with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Apparently someone opened a capital one card in my name in XXXX of last year and now a collection agency is calling me trying to get me to pay. Any and all debt I had was paid off through XXXX XXXX XXXX and XXXX dont have and capital one cards opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
CFPB CONSUMER COMPLAINT : VIOLATION OF GEORGIA FORECLOSURE AUTHORITY STATUTES COMPANY : Wells Fargo Bank , N.A . AGENT : XXXX XXXX XXXX ISSUE : Struggling to pay mortgage / Improper servicing Task SUBJECT : Statutory Incompetence and Violation of XXXX. XXXX XXXX. DESCRIBE WHAT HAPPENED : I am filing this complaint to report a direct violation of Georgia State Foreclosure Law ( O.C.G.A. XXXX ) by Wells Fargo Bank , N.A . and its designated foreclosure counsel, XXXX XXXX XXXX XXXX. Under Georgia law, a foreclosure notice is legally defective unless it identifies the individual or entity who shall have the " full authority to negotiate, amend, and modify all terms of the mortgage with the debtor. '' The Evidence of Statutory Non-Compliance : On XXXX XXXX, 2025, XXXX XXXX XXXX XXXX XXXX ( the firm tasked with the foreclosure ) admitted in writing via email that it lacks the " full authority '' required by the statute. The email from counsel explicitly stated : " Only Wells Fargo can approve a postponement. '' This creates a " XXXX XXXX '' : The law firm designated as the agent of record for the foreclosure admits it has no authority to negotiate or postpone, while the bank ( Wells Fargo ) directs the borrower back to the law firm for all sale-related inquiries. The Administrative Trap : This " XXXX '' maneuver was used on XXXX XXXX, XXXX, to obstruct my representative, XXXX XXXX XXXX XXXX negotiating a stay of the XX/XX/XXXX auction. By maintaining an agent who admits to having " no authority, '' Wells Fargo has effectively stripped me of my statutory right to a meaningful negotiation process before the seizure of my home.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
I have been attempting to close my Uber Pro Card/Branch account for over 10 days. Despite providing all requested information, the company refuses to close the account and continues to demand unnecessary verification. I am being threatened with inactivity fees on an account I am trying to dissolve. This is an unfair and deceptive practice. I feel violated because they have asked for so much of my personal information, and yet they keep asking for more and more in order to close my account, it's immoral what they're doing, it's violating so many different things, and wasting a lot of day time ; it's absolutely terrible how they treat people trying to close their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am filing this complaint regarding the closure of multiple credit card accounts by Synchrony Bank. All of my accounts were in good standing, with 100 % on-time payment history and XXXX balances at the time of closure. I have never missed a payment, and my accounts were managed responsibly at all times. Despite this, Synchrony Bank closed all of my accounts without providing a clear or sufficient explanation. This action has negatively impacted my credit profile by significantly reducing my available credit and increasing my credit utilization ratio, which has resulted in a drop in my credit score. I respectfully request : 1. A detailed explanation for the closure of my accounts 2. Consideration for reinstatement of the accounts or restoration of my credit lines 3. That Synchrony Bank ensure accurate reporting to all credit bureaus, reflecting that the accounts were closed in good standing I believe this situation is unfair given my excellent payment history and responsible use of credit. I appreciate your assistance in resolving 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 explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding the lease return of my XXXX vehicle. I have 5 months remaining on my 2-year lease and intend to return the vehicle now. Since I am currently outside the United States, I pre-consulted with Audi Financial Services regarding a third-party return. However, the local dealership is refusing to accept the vehicle from my friend, even though they possess a valid Power of Attorney ( POA ) on my behalf. This refusal is a direct contradiction to my prior communication with your office.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit score is not changing and they have inaccurate account balances.

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 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding a pre-approval denial I received from Capital One on XX/XX/year>, under Request ID : XXXX. Capital One stated that my request was denied based on observed activity on XXXX or more of your Capital One accounts that is inconsistent with typical customer account usage.

Company response to consumer: Closed with explanation