vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Peer Advisors, LLC
State: UT

Complaint narrative:
XX/XX/year>, a letter was written to us concerning our reverse mortgage contract. The letter basically stated that we have not paid our property tax last year. I researched and found a copy of our check and bank statement to XXXX XXXX XXXX and type a responding letter XXXX XXXX XXXX the response was XXXX day after their date. They gave us 30 days to respond which we did. On the XXXX of XXXX they sent me XXXX more letters with coercive and threatening language threatening foreclosure. We called and called FHA and was promised someone would call us back but hasn't .. One of the letters said we had until the XXXX of XXXX to either pay off the loan. Sell the home or the it would be foreclosed. 
We provided proof of our performance of all requirements and they still have yet to formally respond. This is Mortgage Fraud on their behalf. they even lied in a second letter for the cause of being non informing about home owners insurance. They a threatening old people to get their home. The is financial elders abuse and FHA won't rein in their XXXX XXXX to the matter fixed. In the mean time here is a XXXX XXXX XXXX with XXXX XXXX  trying to handle the stress. All facts of us complying with contract terms are valid and shows total compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
A Social Security benefit check in the amount of {$3000.00} was deposited into a checking account at Truist Bank. Truist later closed the account by business decision. After closing the account, Truist did not release the remaining balance or return the funds. 

On XX/XX/XXXX, I submitted the Social Security award letter and address verification to Truist in writing. Truist has not identified any deficiency in those materials, but has continued to request repetitive documentation without explanation. 

Despite repeated contacts and written requests, Truist has not released the funds and has not returned the check to the U.S. Treasury. Truist has cited no statute, regulation, fraud determination, or investigation that would authorize continued retention of these federally protected Social Security benefit funds. 

Truist has repeatedly directed me to its internal Fraud Management department, which I have contacted multiple times without receiving written findings, a determination, or a resolution. 

As of today, the funds remain withheld. Truist has not explained its legal authority for retaining the funds after account closure and has not provided a clear or actionable path to resolution.

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 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion has grossly mishandled my credit report by allowing a collection account from XXXX XXXX ( Account # XXXX ) to appear without ever verifying its accuracy with me. I never authorized or provided consent for this account to be reported, yet it has been added, causing significant and unjust harm to my credit. Despite submitting a request for validation to the collection agency, including filing a formal complaint with the CFPB on XX/XX/year>, I have received NO response, no signed agreement, no breakdown of the supposed debt, and no evidence that the creditor has the legal right to collect this debt. This is a direct violation of 12 CFR 1006.34 ( b ) ( 5 ) of Regulation F, which explicitly mandates that consumers receive proper verification upon request. To make matters worse, I was never given a proper opportunity to dispute this account, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Yet, Transunion continued to report this unauthorized and unverified account, disregarding my rights and blatantly violating 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the FCRA, which prohibits such actions. The fact that this same account appears differently across multiple credit bureaus only underscores the glaring lack of consistency and raises serious concerns about Transunions verification process. This is a major red flag and highlights a complete failure to comply with the maximum possible accuracy standard required by 15 U.S.C. 1681e ( b ). If Transunion cant even get basic information correct across different reporting agencies, then I have serious doubts about their entire verification process. Enough is enough. 
I demand the immediate and permanent removal of this unauthorized and unverified account from my Transunion credit file. It has been reported without my consent, without proper verification, and in total violation of the law. The harm it has caused to my credit is entirely avoidable, and I am holding Transunion fully accountable for this egregious mistake. This entire ordeal should never have happened, and I am done tolerating Transunions blatant disregard for the law and my rights as a consumer. Fix this immediately, or I will pursue further legal action.

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 2026-02-04 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: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I am filing this complaint against Venmo for refusing to process a legitimate credit dispute related to a defective home improvement service. I paid for a floor installation job through XXXX XXXX, using Venmo as the payment method. The installation was poorly performed, did not meet basic workmanship standards, and resulted in an unacceptable final product. XXXX XXXX acknowledged issues with the installation, yet the matter remains unresolved. When I attempted to dispute the charge through Venmo, Venmo flatly refused to allow or honor a credit dispute, stating that the transaction was not eligible. Venmo did not properly review the facts, did not offer a meaningful appeals process, and provided no consumer protection despite acting as a payment intermediary. Venmo markets itself as a payment platform consumers can rely on, yet in practice it offers no real dispute protection when services are defective or misrepresented. This leaves consumers exposed to financial loss with no recourse, even when the underlying service provider fails to deliver what was paid for. Venmos refusal to process this dispute is unreasonable and contrary to basic consumer protection expectations, especially when the charge involves a major retailer and a clearly substandard installation. 

I paid {$1900.00} for the floor installation which was installed late fall of 2025.

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 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I had XXXX XXXX as my XXXX XXXX servicer for many year and was transferred to XXXX. I was hoping to eventually be eligible for forgiveness, which has since passed, but I was told to not consolidate my loans. When I was transferred to XXXX, I was told that I would not even be considered if I did not consolidate my loans and only my loans could be forgiven. I have subsidized and unsubsidized loans, which I consolidated and was transferred to Mohela ( which apparently is a branch of XXXX ). I also have several parent plus loans for XXXX of my adult children who are paying the loans in their names first. The parent plus loans stayed with XXXX. 

After the transfer, I took about XXXX  years before I could contact XXXX to talk to anyone about the payment plans/ options. I asked to be placed in a XXXX payment plan, but the plans were for XXXX or XXXX  years. I could not afford the XXXX plan ( payments would have been XXXX XXXXXXXX {$2500.00} a month, which is XXXX times my mortgage payment ). I have since talked to several people and received a different answer every time. Someone helped my set up my payments, and my XXXX in XXXX, I paid {$21000.00} in interest ( Mohela )! I was able to contact someone else who helped with my payments to make the payments go more towards the balance of my loans ; however, anything paid extra automatically goes towards interest on both Mohela and XXXX. They make it so I will NEVER be paid off. I would love to retire some day, but I will legit be stressed and dead before I make a dent in these loans at this rate. 

I attempted to call Mohela XX/XX/XXXX and several times around then to discuss anything extra on my payments going towards principle. When I did finally talk to someone, I was told that I MUST pay interest first. I asked to switch lenders and was told to contact XXXX XXXX XXXX, which I did and was told to talk to my loan servicer for questions and they only handle payments. I also contacted XXXX and received the same run around. 
My loan balance will fluctuate a few XXXX XXXX, and it usually increases. My balance from XX/XX/XXXX - XX/XX/XXXX increased about {$5000.00} with regular payments and mostly paying over what is requested. I have also asked what I would have to pay monthly to stay caught up on the interest, and I can not afford that payment. 

I am being scammed by these companies. Is there a way to transfer to a legitimate lender who will work with me on my payments. If I could pay down the principle, I would eventually pay off my loans and possibly be able to retire. 
Please help.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 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: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding my credit card issuers handling of a chargeback dispute. 
I made a purchase with an online merchant ( XXXXXXXX XXXX XXXX ). My card was charged, but I never received the merchandise. The merchant failed to provide proof of delivery and did not resolve the issue after multiple contact attempts. 
I filed a dispute with my credit card issuer. The claim was denied after being classified as fraud, even though the issue is non-receipt of merchandise and merchant failure to fulfill the transaction. 
I believe the dispute was not reviewed under the correct chargeback reason code and that my rights under card network rules for merchandise not received were not properly applied. 
I am requesting that the CFPB require my credit card issuer to conduct a proper review of this dispute and provide a written explanation consistent with applicable chargeback rules. 
I have supporting documentation including order confirmation, proof of payment, and records of attempted contact with the merchant. 

The same situation happened with numerous customers. I attached copies from XXXX  where people experienced the same situation.

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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/year>, my Apple Card account was abruptly closed by Goldman Sachs Bank USA. I was informed only that there was a failure to comply with the terms of the Customer Agreement, without any explanation, citation, or evidence of an actual violation. 

I did not violate the Customer Agreement. I maintained my account in good standing and exercised my lawful right to dispute unauthorized transactions. The account closure occurred after repeated disputes of unauthorized charges, which Goldman Sachs denied multiple times without providing substantiating evidence. 

The bank has refused to specify : Which term of the Customer Agreement was allegedly violated What conduct constituted a violation Whether the closure was related to my dispute activity This lack of transparency prevents me from responding or correcting any alleged issue and raises concern that the closure was retaliatory. 



Why this is a problem Federal consumer protection laws prohibit banks from taking adverse action against consumers for asserting their rights, including disputing unauthorized transactions under Regulation E and the Fair Credit Billing Act ( FCBA ). 

Closing my account without identifying an actual violation, while disputes were ongoing, appears to be : Retaliation for protected dispute activity An unfair and deceptive practice A failure to provide required notice and explanation Additionally, labeling the closure as a Customer Agreement violation without evidence may negatively impact my credit profile and banking history. 



What I want the company to do I am requesting that Goldman Sachs Bank USA : XXXX. Provide written documentation identifying the specific Customer Agreement provision allegedly violated XXXX. Provide evidence supporting the alleged violation XXXX. Confirm whether the account closure was related to dispute activity XXXX. Remove any negative internal or external reporting related to this closure XXXX. Correct or reinstate the account if no violation occurred XXXX. Confirm in writing that my credit report will not reflect an adverse action due to disputed activity If Goldman Sachs can not substantiate a legitimate violation, this closure should be reversed or corrected. 



Additional context The account was closed while disputes were unresolved The bank repeatedly denied disputes without substantiating authorization I was never warned, counseled, or notified of any alleged violation prior to closure No opportunity was provided to cure or address the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I recently opened up an account with them on the XXXX which was my savings account first and then my savings account. I seen that the money was taken out of my chime account for the savings but it seems like no money was taken out for the checking account due to them taking the money late so I wasnt able to transfer the money over for them to take it for the checkings. I transferred money over to my chime thinking they would retry but they never retried, they just restricted my savings account which that is the one I initially payed for and I have a big deposit from the irs coming into my savings account and now they are telling me it might get bounced back. That is not okay with me when I am using that money for me and my kids car. I asked them to tell me the reason I can not access my account and they keep telling me they can not tell me that. They dont even have another department I can speak to, I asked if I should go to the bank and the lady said she dont know if that would help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 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: CITIBANK, N.A.
State: CT

Complaint narrative:
In XXXX I called my Citi card to dispute a charge ( XXXX ) for merchandise I had received that was of poor quality with the package damaged. The person ( whose name I dont have right now ) told me that since I started a dispute, I could throw away the purchase, sell it, do what I wanted with it, when I inquired about returning it. I had taken pictures of the poor quality and damaged packaging and she did not ask for any of that. I had not been made aware that the dispute was not found in my favor until I saw my credit card had reinstated the purchase in late XXXX. I called on XX/XX/year> spoke to XXXX and she said we verified the purchase and you made no good faith effort to return the items. There was no ability for me to find out who or how to return the items because of how complicated the correspondence was so I asked, should I return the items now? She said I should so I immediate went to the post office and returned them. I then complained about the prior employee not gathering the information I had about the poor product etc and she had me email all of the photos I had including the photo of what I thought I was getting. I sent those to XXXX. I have a receipt that the items were received by the distributor on XX/XX/year>. I called Citi again on XX/XX/year> and spoke to XXXX and then XXXX who basically was of no help whatsoever. I feel like I have been scammed by the vendor and my credit card. I am hoping you can help me get my money back.

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 2026-02-04 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: TN

Complaint narrative:
My Apple XXXX card, bank account, and XXXX credit card was hacked on XX/XX/XXXX. There are 2 charges of {$2000.00} and {$1500.00} on my Apple XXXX card. I did not authorize these transactions. I have tried to dispute them with Apple 2x and with XXXX XXXX. They refuse to give me my money back saying I authorized the transaction. I did not authorize these transaction. The other companies got my money back, however Apple will not. I just want my money back that I did not spend.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Williams & Fudge, Inc
State: NJ

Complaint narrative:
This is a private student loan originally charged off in XXXX. I was never notified of default, charge-off, or that the debt may have been time-barred. 

In late XXXX, the loan was sold and a collection agency contacted me, representing that the loan was currently due. I was not informed the debt was old or potentially unenforceable. 

Based on this misinformation, I made monthly payments for several years. Payments were accepted without dispute, default notices, or clarification of the loans legal status. 

I later learned the loan had been charged off years earlier and that key information was withheld or misrepresented. I would not have made payments had accurate information been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: OH

Complaint narrative:
I filed a XXXX XXXX bankruptcy due to approximately {$14000.00} in mortgage arrears. The plan was confirmed, and I made all required payments throughout the case. The XXXX XXXX bankruptcy concluded in 2019. 

Trustee records show that over {$65000.00} was disbursed to U.S. Bank Home Mortgage during the plan. These payments were made consistently and were authorized by the bankruptcy court. Trustee accounting reflects these disbursements as payments to the secured creditor, including amounts labeled as principal. 

Despite these substantial payments, my mortgage loan balance did not materially decrease. Interest appears to have continued accruing during the bankruptcy period as if these payments did not amortize the loan. My current balance is comparable to, or higher than, the balance at or near the start of the bankruptcy. 

I requested clarification and reconciliation from the servicer regarding how the trustee payments were applied to principal, interest, escrow, and fees. To date, I have not received a clear accounting that reconciles the trustee disbursement records with the current loan balance. 

I am disputing the accuracy of the loan balance and believe there may be errors in payment application, interest accrual, escrow accounting, or capitalization of fees. I am requesting a full reconciliation and correction of any servicing errors so that the loan balance accurately reflects the payments made.

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 2026-02-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Netspend Corporation
State: WI

Complaint narrative:
I had a problem XXXX XXXX XXXX  with Netspend where they took money off my account for charges I did not make they did credit that amount back to my card as it was their mistake. Several times I have had fraud on this card and I am a firm believer that its an inside job. I believe its people from Netspend that are attempting to use my card or are using my card. This happens almost every time I make a purchase and I will no longer be using the card. However, I would like a refund of the money that should be on my card along with reimbursement for the many hours I have spent on the phone and all of the astronomical fees! yesterday I made a purchase with this card no problem this morning. I paid a bill with that card and right afterwards I had multiple charges that came off my card and very many charges that were attempted. This is the first time Ive used this card with that company that I paid the bill to I trust that company. I cant imagine it was on their end but one never knows but for as often as this happens, I believe its an inside job and it needs to be looked into. I asked to talk to a supervisor and XXXX different times. I got cut off. They would try to transfer me saying they were gon na transfer me and it would come back and say leave a message and hang up so obviously theyre dealing with a lot of problems and they dont wan na talk to their customers so the first person I spoke with this mornings name was XXXX. She was a pain XXXX XXXX XXXX. The XXXX one was XXXX the XXXX  one was XXXX XXXX, and the last one was XXXX and everyone of them cut me off. I will be seeking out a new prepaid card hopefully with less fees, but something needs to be done about the fact that I have so much fraud on this card. There is just somewhere a problem.

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