vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 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: IL

Complaint narrative:
To Whom It May Concern : I submit this complaint regarding Synchrony Banks initiation of litigation against me for an alleged consumer debt under circumstances that raise serious concerns under federal and Illinois consumer protection law. Synchrony Bank filed suit without first providing meaningful pre-litigation communication, proper debt validation, or a reasonable opportunity to resolve or dispute the alleged obligation. I did not receive adequate written validation notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, nor sufficient pre-suit correspondence under Illinois State Law consistent with the principles of fair collection practices. Prior to the filing of the lawsuit, I formally disputed several transactions on the account as unauthorized. To date, I have not been provided documentation demonstrating that a reasonable investigation was conducted or that the disputed charges were properly validated. Shortly after asserting my dispute rights, my XXXX account was permanently limited. The temporal proximity between my protected dispute activity and the subsequent escalation to litigation raises legitimate concerns regarding retaliatory or punitive conduct following the exercise of federally protected rights.

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 2026-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
On XX/XX/year>, My organization initiated an international wire transfer through Central Bank. As of XXXX XX/XX/year>, these funds have not reached the designated account. Despite my repeated attempts to resolve this, I have encountered the following roadblocks : Failure of Verification : The banks main office refused to speak with me over the phone, claiming they could not verify my identitydespite my providing my full name, Social Security Number, the amount of the last check written. Lack of Communication : Because the main office will not speak with me, I am forced to rely on my local branch to act as a middleman. Communication has been vague, and I am told there is " no guarantee '' regarding the recovery of the transfer. Failure to provide documentation. I have requested the actual transfer documentation to discover last known location of the funds. I was told there is no documentation they can provide beyond the request of money transfer I signed to initiate the transfer. We have officially requested a trace and a recall of the transfer, but the bank has provided no timeline or concrete updates. As a non-profit organization, we rely on the timely and secure movement of funds to carry out our global work.

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 2026-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
Issue : Rocket Mortgage is asserting an escrow shortage of more than {$1500.00} despite no increase in my property taxes or homeowners insurance. Rocket has also ignored a formal Notice of Error submitted under 12 C.F.R. 1024.35. Timeline and Facts : My property taxes did not increase for the current cycle. My homeowners insurance premiums did not increase. There were no new assessments or changes to escrowed items. Rocket has a documented history of late tax payments, which artificially create shortages. Rocket previously charged my escrow twice for the same tax bill. Rocket has run multiple unnecessary escrow analyses, none of which reflect the actual tax or insurance amounts. On XX/XX/year>, I submitted a Notice of Error under 12 C.F.R. Rocket did not acknowledge the NOE within 5 business days and did not respond within 30 business days, which is a separate RESPA violation. Rocket continues to assert a shortage that is mathematically impossible based on the actual tax and insurance figures. Servicing Errors : Failure to acknowledge or respond to a Notice of Error Failure to use accurate tax and insurance amounts in escrow analysis ( 12 C.F.R. 1024.17 ). Creation of an artificial escrow shortage through late payment and duplicate charges. Failure to engage in required error investigation and correction. Continuing to demand payment of a disputed shortage while the NOE is unresolved ( 12 C.F.R. 1024.35 ( i ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Five Lakes Law Group PLLC
State: GA

Complaint narrative:
I enrolled in a debt settlement program with [ Company Name ] and have contributed over {$20000.00} to my settlement account. However, less than {$6000.00} of that amount has been applied toward actual settlement payments. The company has only settled XXXX out of XXXX accounts, totaling approximately {$24000.00}. Under the program agreement, the company charges 27 % of the total settled amount, and fees should only be collected after an account is settled. Based on the settlements completed so far, my remaining balance should be at least {$6000.00}. Instead, my account shows only slightly above {$500.00}, indicating that funds may have been misallocated and/or fees deducted prematurely or excessively. I have emailed the company multiple times requesting : A breakdown of all fees deducted An explanation of why so little of my contributions were used for settlements A refund of any fees not tied to settled accounts Removal of the XXXX remaining accounts from the program Updated account statements The company has not responded to any of my emails. This situation has caused significant financial stress and appears to violate the terms of our agreement, as well as federal rules governing debt relief services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Somone hack into my CITI XXXX card account to place XXXX Flex loans in XXXX XXXX ( ~ {$15000.00} ) and on XX/XX/XXXX ( ~ {$2000.00} ). I found these activities on XXXX XXXX and called Citi. Citi place " dispute '' on the XXXX loans and changed my account number. I talked to a citi investigator on XXXX XXXX and she was investigating. On XXXX XXXX I found the XXXX XXXX loan was placed in Fraud center. While the XXXX XXXX loan is convered to the money I owed. I called citi again, the investigatyor said she could not find any record that I called on XXXX XXXX and she started a new investigating. Today ( XX/XX/XXXX ), the XXXX XXXX loan is still in the amount I owed, and nothing else happened. My understanding is that the XXXX XXXX overlook the XXXX XXXX loan.

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 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect has not provided any of the documentation I requested to validate this alleged debt. They responded with a generic message that did not include the required records. I specifically requested the following items, which have still not been produced : Signed lease agreement and all addendums XXXX inspection report XXXX inspection report Itemized statement of charges Full account ledger Invoices, receipts, and work orders Dated photos or video evidence Proof of actual repair/cleaning costs Proof of assignment of the debt 30day XXXX notice Proof of delivery of that notice Communication logs Until these documents are provided, the debt can not be validated. XXXX has not met their obligations under the Fair Debt Collection Practices Act or Texas Property Code requirements for XXXX accounting.

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 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
in XXXX Rocket Mortgage acquired XXXX XXXX and I have been unable to make my XXXX mortgage payment due to this. it says online all payment and processing info would be transferred over, but this is not the case. I can not reach a human being on the phone. I have made several attempts to call with extremely long wait times. My current call has been transferred and is now approaching 49 minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Auto Finance Co
State: MO

Complaint narrative:
I am filing this complaint regarding an inaccurate {$410.00} collection account being reported in connection with an alleged Safeco auto insurance policy balance. Safeco was unable to insure one of my collectible vehicles. Because coverage could not be properly written as intended, we switched insurance carriers to XXXX. Safeco failed to properly process the cancellation internally. There was no valid active coverage period justifying a {$410.00} earned premium balance. Any amount generated appears to be the result of an internal administrative error by Safeco. Despite this, the alleged balance was placed with XXXX XXXX XXXX and is now being reported to the credit bureaus as a collection account. I have disputed this account with the credit bureaus, but it was marked as verified without providing documentation proving : A valid, active policy period Earned premium calculation A legally enforceable obligation Additionally, my credit file contains inaccurate identifying information ( an XXXX, Alaska address and Alaska telephone number that do not belong to me ), raising serious concerns regarding the accuracy of the investigation. This collection is inaccurate and not owed. I am requesting : A full audit of the alleged Safeco policy history Written proof of active coverage dates and earned premium calculation Immediate withdrawal of the account from collections Immediate deletion of the {$410.00} collection from all credit reporting agencies I am attempting to resolve this directly before pursuing further remedies. I request written confirmation of resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Statement of Facts : On Wednesday, XX/XX/year>, at XXXX XXXX, I deposited a legitimate {$28000.00} commercial cashier 's check ( issued by XXXX XXXX for a commercial vehicle sale ) into XXXX Bank of America XXXX XXXX ( ending in XXXX ). Upon deposit, Bank of America issued a physical deposit receipt ( Notice of Hold Form XXXX ), which explicitly contracted and promised that a partial release of {$6700.00} ( XXXX XXXX XXXX ) would be available on Friday, XX/XX/year>, at XXXX XXXX. Bank of America subsequently failed to honor this written availability schedule. They froze 100 % of the deposited funds without providing any specific, written exception notice of an extended hold to the customer, in direct violation of the Expedited Funds Availability Act and Regulation CC ( 12 CFR 229.13 ). In a good-faith attempt to resolve this, I visited a branch on XXXX, XX/XX/XXXX, and was informed that an escalation would take XXXX hours. I returned on XXXX, XX/XX/XXXX, and a manager informed me the necessary fraud department was closed until Monday. Damages Incurred : Because Bank of America deceptively withheld the initial {$6700.00} after providing written confirmation of its availability, and further delayed the internal resolution, I was forced to use my separate XXXX XXXX business account ( ending in XXXX ) for basic survival needs over the weekend. Because my primary capital was unlawfully frozen, this forced the business account into a negative balance, incurring exactly - {$360.00} in overdraft/NSF fees XXXX The fine print on the back of Bank of America 's own deposit receipt explicitly states they will refund overdraft fees resulting solely from an additional delay they impose on XXXX XXXX XXXX. This entire sequence of events constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). The bank 's unnotified failure to release funds on their own printed schedule directly caused severe, quantifiable financial hardship.

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 2026-03-02 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: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I need to update my insurance with Rocket Mortgage. I have spent over XXXX hours today trying to get ahold of somebody. Their customer service team is nonexistent. The chat does not work, the automated system keeps hanging up on me, I was on hold for over an hour and a half and then the line just went dead, forcing me to start over. This is unacceptable, especially during business hours. The customer service number they provided on my statement hangs up on you automatically when it answers. I went online, and it seems that this is the experience of all of their clients. This company is unavailable to reach, but all responsibility for making changes with them on time falls on consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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: SC

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 explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/year>, I used my Mountain America Credit Union ( XXXX ) debit card at a XXXX XXXX ATM located at XXXX. XXXX XXXX in XXXX, XXXX, XXXX. I attempted to withdraw XXXX XXXX ( about {$340.00} USD ). The ATM did not dispense any cash. Instead, the screen immediately turned white and displayed " Error Code 42. ". The cash slot never opened and no money was provided. I reported the issue to XXXX immediately after the transaction. XXXX opened a dispute but later denied my claim after XXXX XXXX provided ATM logs stating the transaction was successful and cash was delivered. I never received any cash from the ATM and the machine displayed an error message during the transaction. I am requesting tha t XXXX review this matter again to confirm whether the ATM malfunctioned and whether the ATM logs accurately reflect what occured. I never got the cash and am now out {$340.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OH

Complaint narrative:
I am disputing a rental collection account reported by Columbia Debt Recovery regarding an alleged lease balance with XXXX XXXX. In XXXX, I legally terminated the lease due to uninhabitable living conditions, specifically a cockroach infestation. Attorney notice was provided to the property manager at that time. On XX/XX/XXXX, Columbia Debt Recovery received a written debt validation request from me via certified mail. As of today, they have not provided proper validation of the alleged debt. Despite failing to validate the debt, they verified the account as accurate with XXXX on XX/XX/XXXX. I am requesting that Columbia Debt Recovery provide proper validation of the alleged debt or cease collection efforts and remove the account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 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:
On XX/XX/year>, while traveling for work, I received a text message appearing to be from Wells Fargo asking whether I had logged into online banking near XXXX, Texas. I replied No. I then received a second message stating there was fraudulent activity involving my account, that wires had been initiated, and that the FBI was investigating. Shortly thereafter, I received a phone call from individuals impersonating Wells Fargo Fraud Department personnel and representatives of the FDIC and FBI. The callers informed me that my account was locked and under federal investigation for money laundering and wire fraud allegedly occurring within Wells Fargo. I was instructed not to contact Wells Fargo directly and was told that doing so would interfere with a federal investigation and could result in imprisonment. The callers possessed detailed knowledge of my account information, which led me to reasonably believe I was cooperating with legitimate authorities. While under active deception and coercion, I was directed to visit Wells Fargo branches and withdraw funds. Approximately {$25000.00} was withdrawn in cash, and approximately {$25000.00} was transferred via wire. I was told these transactions were necessary to trace internal fraud and that my funds would be restored once the investigation concluded. I did not knowingly authorize these transactions for personal use or benefit. My actions were obtained through impersonation, intimidation, and fraudulent misrepresentation. When I was later instructed to withdraw additional cash from an ATM, I became suspicious and immediately contacted Wells Fargo directly. I then learned that the individuals were not affiliated with Wells Fargo, the FDIC, or the FBI, but were perpetrators of a coordinated account takeover scheme. I promptly reported the fraud to Wells Fargo and filed law enforcement and FBI IC3 reports. Wells Fargo opened separate cases for the wire and cash withdrawal and has denied the claims on the basis that I authorized the transactions. Under the Electronic Fund Transfer Act and Regulation E ( 12 C.F.R. 1005 ), authorization obtained through fraud, impersonation, and coercion does not constitute valid authorization. CFPB interpretive guidance clarifies that fraud-induced transfers and account takeover fall within Regulation E protections. Despite this, Wells Fargo has denied reimbursement. I am requesting that Wells Fargo properly apply Regulation E, reconsider its determination, and reimburse the disputed funds.

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