vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: OH

Complaint narrative:
Subject : Urgent Complaint - Lender-Induced Delinquency and Predatory Advice I am filing this complaint against CrossCountry Mortgage regarding an internal refinance. My CrossCountry Loan Officer, XXXX XXXX ( XXXX # XXXX ), explicitly instructed me not to make my XX/XX/year> mortgage payment because it would " roll into '' the new loan. On XX/XX/XXXX, I was informed that the refinance is delayed in CrossCountry 's underwriting. My account is now at risk of being reported as 30 days late to the credit bureaus on XX/XX/XXXX. This delinquency was entirely induced by the direct instructions of a CrossCountry employee. I contacted the billing department today ( to request a credit reporting suppression or a payment credit due to this internal error, but was told they " couldn't help. '' Since this is an internal refinance with CrossCountry, the company has full visibility into the underwriting delays that have prevented the loan from closing as originally scheduled by the loan officer. I am requesting that CrossCountry Mortgage : 1.Immediately apply a corporate advance or payment credit to my current account to keep it in a " Current '' status. 2. Suppress any negative credit reporting to the bureaus for the month of XX/XX/year>, as the delay and the non-payment were caused by CrossCountry 's actions and advice. 3. Waive all late fees associated with this month. I am in possession of a digital recording of a CrossCountry Mortgage representative admitting that the loan officer provided the instruction to skip the payment based on an unrealistic closing timeline. I am prepared to provide this audio file to the CFPB and legal counsel upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I did i mobile deposit on XX/XX/XXXX and capital bank is telling me that I will not have acess to theese fund until XX/XX/XXXX. That is over XXXX months for a hold! I have never herd of suck thing and when I call to ask for the reasoning they cant give me a straight answer only that they need to talk to the other party that wrote the check in order to release the funds. I have talked to the one who wrote the check and she said they have already took the funds out of her account but still refuses to let me have acess to my funds. The check is for {$1000.00} and they are acting like its a XXXX dollar check or something.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I canceled XXXX wire transfers {$35000.00}, {$40000.00}, {$150000.00} on Friday, XX/XX/XXXX around XXXX XXXX and canceled all three on Sunday, XX/XX/XXXX around XXXX XXXX. XXXX the supervising representative told me the funds would be credited back into my account within XXXX hours. After checking my account the funds were not put in my checking account. I filed a claim against Citibank and an appeal. Citibank. denied both. The district attorney in the county of XXXX XXXX told me that I need to ask Citibank for the recorded phone conversations that they will not release to me. Citibank told me I need a subpoena. Citibank confirmed that all three wire transfers were canceled and the funds would be put back into my Citibank checking account within XXXX hours. Again they will not release the recorded phone conversations. Citibank froze my account for over XXXX months and told me I need to sign an indemnity agreement form in order to close my account to release Citibank from any future litigation. I did not sign the indemnity agreement form.

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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I initiated a wire transfer on XX/XX/year> intended for a beneficiary account at XXXX XXXX. The wire instructions clearly identified XXXX XXXX as the beneficiary bank and included proper for further credit to ( FBO ) instructions. Wells Fargo acted as the intermediary bank. Instead of forwarding the wire to XXXX XXXX, Wells Fargo misapplied the funds by crediting a Wells Fargo customer account that was not the intended recipient. The Wells Fargo Account credited to, coincidently, matches the account number as my XXXX XXXX checking account, even though both information of the accounts contain different forms of information such as the full names, the address, the institutions, etc. My money is as of now with a Wells Fargo customer that is not a party to this transaction. This constitutes a failure to execute the payment order as instructed. The wire was not delivered to the intended financial institution, and the funds remain unrecovered. I am requesting : Immediate recovery or reimbursement of the full amount Full wire trace including IMAD/OMAD Written explanation of why the wire was not forwarded to XXXX XXXX Formal liability determination This issue has been ongoing since XX/XX/year> and requires immediate resolution. My Case Number/Complaint Number at Wells Fargo is : 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 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this statement to report concerns regarding the handling of my account and communications by my vehicle finance company following a hit-and-run accident involving my insurance provider, XXXX. On XX/XX/year>, I was involved in a serious hit-and-run accident. Due to the severity of the crash, I do not remember the incident itself. I sustained significant injuries to my wrist and ankle that continue to affect me on a daily basis, and my vehicle was also significantly damaged. After the accident, I contacted both XXXX and my vehicle finance company to understand what steps would be taken regarding the claim and the vehicle. I was initially told by the finance company that they would not take any action unless XXXX did first, and that they would not do anything on their end. This left me without clarity or support during the claims process. Later, the finance company reversed its position and stated that they would cover the damages. However, despite this statement, they have not actually paid out any funds or taken action to resolve the damage. Additionally, I was told by representatives connected to both XXXX and the finance company that nothing would be done unless I hired a lawyer, and that without legal representation they would not move forward or provide a resolution. This created unnecessary pressure and made it seem like I could not receive a fair outcome without taking legal action. I was also told during a phone call by the finance company that I did not need full coverage. I am concerned that this information may have been misleading, as coverage requirements and implications directly affect how claims are handled after an accident. Statements of this nature may raise concerns under consumer protection standards regarding clear and accurate disclosure of financial and insurance-related obligations. At this point, I was also under the impression that neither XXXX nor the finance company were taking clear responsibility for resolving the matter promptly, and I was left without clear direction or assistance. This lack of coordination, combined with conflicting information and the absence of any payout, has caused significant uncertainty and distress. I am requesting a review of how this matter was handled, including the accuracy of the information provided and whether proper procedures were followed in communications and claims handling. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: AZ

Complaint narrative:
In a strict violation of regulation e and disputes process, SoFi has once again grouped all the security flaws and disputes together and erroneously labeled them and made their own conclusions. They are vehemently and aggressively trying to cover up their security flaw that has cost myself and other customers probably millions of dollars they are going unchecked and they are resorting to petty actions like stating they have submitted the evidence and attached it, but you cant actually login and see it because they are adding weird protections on the passwords that you cant get by or get in the XXXX factors dont reset the password reset when they come do not work and the codes do not verify, nor does it allow you to send more codes to get into the accounts or look at the evidence. Furthermore, in the latest email, they admit that they did not look at the evidence because as it was submitted to them in the very first email, this time it was good enough to open the investigations back up yet they still refuse even with the admission of that bank error and neglect to administer the proper credits to the account. They have refused to open up and do all the disputes and investigate them properly as per regulations and federal law and again are going unchecked in this. Theyve dug a massive hole and are trying to scapegoat and blame other things and distract. Their illegal actions and undefined violations will be turned in to the mocks XXXX general as well as all applicable oversight. Ther leadership is clearly defunct and okay with illegal procedures. All evidence available.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: NC

Complaint narrative:
This is company has reported false information to my credit report and failed to show evidence that I have had any dealings with them. I have done no business with this company, nor have I signed any sort of contracts with this company. It is my belief that this is a result of possible identity theft or credit data breaches. I have no knowledge of this debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Debt is on my credit report as a charge off want it removed been on my credit for XXXX years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE

Complaint narrative:
Since approximately XXXX, I have been attempting to resolve a fraudulent account opened in my name with USAA, and despite repeated notice, no meaningful action has been taken. Upon first becoming aware of the account, I contacted USAA to report identity theft and request an investigation and closure ; from that point forward, I made numerous follow-up calls over several years, each time being told the matter would be escalated and that an investigations representative would contact me directly, yet no such contact was ever made and no outcome, documentation, or case reference was provided. This pattern of assurances without action continued consistently from XXXX to the present, leaving the fraudulent account unresolved. Compounding this, I was not a member of the United States military at the time the account was opened and did not join until XX/XX/XXXX, meaning I was not eligible to hold an account when it was createdfurther confirming its fraudulent nature and that it should have been identified and resolved upon my initial report. At no point has USAA provided any written correspondence, confirmation, or documentation regarding this matter, despite my requests ; I have received no emails, letters, or formal communications of any kind, nor has any evidence or investigation record been shared with me. As a direct result of USAAs continued failure to investigate, communicate, and correct this matter despite years of notice, I am now unable to open a legitimate account due to internal restrictions tied to this unresolved fraud, causing ongoing disruption and denial of basic banking access.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I tried to open a checking and savings account from Huntington bank in XXXX XXXX. I made a {$1000.00} deposit from my XXXX XXXX account into the new Huntington Bank checking account. The funds transferred from my XXXX account with no problem. Then Huntington closed both of my accounts claiming it was a fraudulent transaction. I spoke to XXXX XXXX and they show no problem with what I did and that the funds did indeed transfer to my Huntington checking account. So I opened the account on XX/XX/XXXX and it is now XX/XX/XXXX and I still havent received the funds back to my XXXX XXXX account. I have been to the XXXX location and spoken with the manager who was no help just tells me to call the XXXX # which I have several times and all I get is the funds are in suspension but not XXXX person there can tell me what that means. I have emailed Huntington staff and received no reply. So basically Im out {$1000.00} dollars I guess.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: LoanCare, LLC
State: MI

Complaint narrative:
This company has been amazing to me first and foremost. I'm not out to bash destroy or make them look bad, feel like I did everything according to my trial payment plan for XXXX, XXXX, and XX/XX/year>. I've made the XXXX trial payments the first XXXX were made with out any trouble! Went to make the last one was which was still made on the last day of the month as the contract states. I made on the last day of the month I tried previous XXXX days the code wouldn't send also tried to reach out to loancare and didn't receive call back. I was denied my lost mitigation. I am capable of making my payments I didn't think cause I made the payment on l XX/XX/XXXX that would make me fail and I have that documented in my terms from Loancare. I was going unemployed and that's how we got to the point of me getting the trial payment plan. I was also told by XXXX people that works for the company over the phone that it has to be in by the last day no exceptions just pay on the last day of the month so I did that and was successful with proof. I'm a first time homebuyer, I can make my house payments on time with what's owed shifted to the back as promised, as long as the payment was made within the month it's due by the last day. My contract states by the last day and that's all it says. Now they saying I failed and want a huge amount of money or I short sell and or go to foreclosure. I want to keep my home. I am very able to go forward with my payments and have a way to make payments on time but trying to talk to anyone is not working out. I talked with supervisors still feel like I'm getting the same answer. Please give me a chance to be able to prove myself i can do this and also that my payment was made on time for my trial payment and my prior payments go to the end of my loan. I wasn't advised of anything different and I have proof and I feel I'm being treated unfairly when I followed my end. Loancare mortgage servicer Acct # 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 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My first contact with this company occurred in approximately XX/XX/XXXX. During that interaction, I requested verification of the alleged debt. The company was unable to provide sufficient documentation, including proof that the account belonged to me. I also informed them that I was not living at the address associated with the account at the time it was reportedly opened. The representative stated that an investigation would be conducted. After that, I did not receive any follow-up communication, written notice, or results of any investigation from the company. Recently, in XX/XX/XXXX, I received a text message from XXXX XXXX XXXX XXXX XXXX XXXX Litigation Department ) stating that a lawsuit had been filed regarding this account and directing me to make a payment or contact them. However, I have not received any official notice of a lawsuit by mail, nor have I been formally served any legal documents. Additionally, I have searched available public records and found no evidence that a lawsuit has been filed. Prior to receiving this message, I had already disputed this account with the credit reporting agencies, and the account was removed from my credit report. I am concerned that the company is attempting to collect on a debt that they have not validated and that may not belong to me. I am requesting that the company provide proper documentation proving that this debt is mine, including account details, transaction history, and evidence of my responsibility for the account. If they can not provide this, I request that all collection efforts cease.

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 2026-04-28 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: ROBINHOOD MARKETS INC.
State: WI

Complaint narrative:
Complaint Against Robinhood Credit Inc. Unauthorized Credit Card Charges I am submitting this complaint regarding Robinhood Credit Inc.s handling of unauthorized transactions on my Robinhood XXXX Credit Card ( ending in XXXX ). On XX/XX/XXXX, I discovered unauthorized activity on my XXXX XXXX frequent flyer account. An XXXX XXXX representative informed me that approximately {$830.00} worth of miles had been redeemed from a XXXX IP address for XXXX gift cards. XXXX XXXX restored my miles after confirming the fraud. Based on this incident and subsequent events, I believe my desktop computer was compromised through a remote access exploit. During this time, I observed a suspicious full-screen message stating Do not shutdown, XXXX is updating, which I now believe was used to conceal unauthorized access to my system. I believe the unauthorized party accessed my accounts, including my XXXX email, to intercept verification codes. On XX/XX/XXXX, I identified two unauthorized charges on my Robinhood XXXX Credit Card : {$15.00} XXXX membership {$2300.00} XXXX XXXX I contacted XXXX and was informed that these charges were used to purchase five {$470.00} XXXX gift cards, which were immediately redeemed. I did not authorize these transactions, I did not receive the gift cards, and I received no benefit from them. My prior XXXX membership had been canceled in XXXX, and I had no intention of renewing it. After discovering the breach, I performed a full factory reset and clean reinstallation of XXXX XXXX to secure my device. I promptly reported the unauthorized charges to Robinhood on XX/XX/XXXX, via their application and follow-up phone calls. The {$15.00} membership charge was credited back to my account on XX/XX/XXXX ; however, the {$2300.00} charge remains outstanding as of XX/XX/XXXX. Since XX/XX/XXXX, I have engaged in approximately 18 email exchanges with Robinhood and have provided a formal police report and supporting documentation. Despite this, Robinhood has denied my claim and has not provided a sufficient explanation of its investigation or findings. I have also prepared a formal written dispute that I plan to send this week via certified mail, including my police report and identity theft report, and supporting evidence. These charges are unauthorized and fall under the protections of the Fair Credit Billing Act and the Truth in Lending Act, which limit my liability for unauthorized credit card use to no more than {$50.00}. Robinhood has failed to properly apply these protections and has not conducted a reasonable investigation based on the evidence provided. I affirm that the above information is accurate to the best of my knowledge and that I did not authorize or benefit from these transactions.

Company response to consumer: Closed with explanation