vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Home Depot in XXXX, XXXX XXXX got me to sign up for a Home Depot credit card and make a purchase for {$3900.00} saying that I will have 24 months to pay off the amount. I setup autopay for {$200.00} each month. I noticed last month that I was being charged interest and when I spoke with Home Depot Credit they told me my offer was only for 6 months no interest. I explained that the paper I received at the store said it could be paid in 6, 12, 18, or 24 months and the associate told me 24 months. They claim that I had to call after the XXXX month to request an extension for 24 months. This account was sold to me under a false pretense. They will not correct their actions even though they admit to knowing that their associates give out wrong information.

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 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
On XXXX I contacted my mortgage company Village Capital LLC to discuss repayment options for my VA backed loan that is currently 2 months pass due. The agent stated that that I did not qualify for any of the payments options listed below, refuse to send me a formal mitigation package even though I requested several times during the call and recommended that I call back and talk to a representative on XXXX. Listed below are the repayment options that I requested to be considered for : Repayment Plan Spread the missed payments over several months 2. Forbearance Temporarily pause or reduce payments. 3. Loan Modification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed large atm withdrawals and immediately locked my card and reported it to XXXX. I was out of town in XXXX when I noticed these and during their duration, which is XXXX hours away from where the withdrawals happened in XXXX XXXX and XXXX. My claim with chase was rejected saying these were authorized because the device had perviously been used in XXXX without being disputed. I downloaded all of my ATM transactions and realize this has been going on since XXXX of XXXX. We recently sold our house and had a large proceeds deposit made into our account, so they must have seen our balance and decided this was the time and made 11 atm withdrawal swithin a few days of almost $ XXXX. Before they had just been small withdrawals here and there that we never noticed. The bank said these were done using apple pay with my card. My husband and I both looked at our XXXX XXXX wallet transaction histories and these atm transactions did not come from either of our devices. I have send over screen shots of our device information and our transaction history showing we did not make these withdrawals.After adding up all of the transactions, we're at a loss of almost {$15000.00}. There must be video evidence of these withdrawals from the ATMs showing this isn't anyone in my family or that has access to this account, which the local branches should be able to provide. Someone made 11 large withdrawals over 3 days, some one right after another, which is highly unusual activity for us. This should have been flagged as fraud immediately by the bank as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
This debt does not belong to me. I have provided the company with a police report. This debt is still showing on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: VA

Complaint narrative:
A written dispute regarding an alleged rental move-out balance associated with XXXX at XXXX, managed by XXXX XXXX, was mailed on XX/XX/year>. The dispute requested validation of the charges and supporting documentation, including an itemized accounting of the alleged balance and documentation supporting any move-out charges. On XX/XX/year>XXXX XXXX XXXX acknowledged receipt of the dispute by email to the co-resident on the lease. In that email response, the company stated that they had reviewed the account and considered the dispute closed. However, no documentation validating the alleged charges was provided. Instead, the company directed the consumer to review information through an online payment portal. Directing a consumer to an online payment portal does not constitute proper validation of a disputed debt. No itemized ledger, lease documentation, or supporting evidence of the claimed balance was provided despite the written request for validation. After acknowledging the dispute and closing it without providing documentation, XXXX XXXX proceeded to transfer or assign the alleged balance to a third-party collection agency, Qualia Collection Services . Collection communications have now been received regarding this alleged rental debt even though the original dispute was never properly validated and the requested documentation was never provided. The alleged balance remains formally disputed. The concern is that the original creditor acknowledged the dispute but did not provide validation before transferring the account to collections. This complaint is being filed to request investigation into the failure to properly validate a disputed rental debt and the transfer of the disputed account to a third-party collector. Documentation supporting the alleged balance, including an itemized accounting and supporting evidence of the charges, has still not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/year>, I called what I thought was XXXX XXXX support regarding a transfer I made to my mother, a man answered saying he was with XXXX XXXX support, I explained I made a transfer but it seemed to not go through. He then advised he could help but would need access to my account by mirroring my phone and bank account. As ashamed as I am for this I sincerely thought it was XXXX XXXX support. The man then took {$1500.00} out of my account, I asked immediately why he did that and he said he it was a glitch and my money would be back in my account after midnight, it is now XX/XX/XXXX and I still have not received my money which shows a charge for XXXX. I have filed a police report and filed 3 disputes with chime, my banking institution and they will not investigate properly and refuse to return my money. Every time I call they ask me to do another dispute, this is very stressful and has caused me intense XXXX. I am a single mother of a XXXX XXXX XXXX that survives paycheck to paycheck. I would never give my money to a Spanish website that gave me no merchandise or services for {$1500.00}. I have tried to get in touch with XXXX but its a Spanish website that has no English options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
I reached out to First Progress who at the account previous I was informed my the representative that the account is closed and not valid or can not collect any payment for the account. I was instructed to send a letter in which I did on XX/XX/year> have yet to hear back from First Progress only to check my credit report and see that Pinnacle Bank XXXX XXXX now has the account is sent them a letter to verify this account have yet to hear anything from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: GA

Complaint narrative:
On XXXX XXXX there was an error on my NetSpend account! The amount of {$600.00} was transferred from my savings to my checking account without authorization. After there were three debit charges in the amount of {$450.00}, {$3.00}, and XXXX {$0.00} cent charges. I immediately called NetSpend and gave oral notice. An agent from NetSpend told me I had to give a written confirmation of error. I completed all steps by XX/XX/year>! The amounts of {$3.00}, and the XXXX {$0.00} cent amounts were credited back into my account. After I was given a notification to wait ten business days for a decision to be made for the amount of {$450.00}. After ten business days passed, I was informed to wait 45 business days. Ever since Ive been informing the company of mis practices and even referred to the Electronic Funds Transfer Act to notify the company of the mis practices against myself. As of today XXXX XXXX Ive still not received a provisional credit, yet they are attempting to take 45 days to come up with a resolution for the error in my account! I am currently behind on bills and this is impacting me in a way I would never impact a hard working law abiding citizen such as myself!

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 2026-03-10 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: NC

Complaint narrative:
In XXXX of XXXX, I made a payment approximately {$7700.00} toward my federal student loan serviced by MOHELA. The payment sucessfully cleared my bank account, and MOHELA has confirmed that they have recieved the funds multiple times over the phone, and there is a record of my attempted resolution with MOHELA. However, the payment has never been applied to my loan balance almost one year later. I have called multiple times, and each time I call, I recieve a different answer as to where that money went, to my knowledge- MOHELA does not know where this money is. During this time, MOHELA has NEVER notified me that this payment was unapplied, and my loan still continues to accrue interest as if there was no payment made. The balance associated with this account has now grown to over {$8000.00} due to the interest accrued.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
On on XX/XX/year> I settled a debt that portafolio recovery took over, now they are saying that it wasnt settled and that I owe it still, they are also trying to charge me for accounts that are over XXXX yrs old that they werent the original creditor to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 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: Westlake Services, LLC
State: NM

Complaint narrative:
I am filing a complaint against Westlake Financial Services concerning conflicting lender-placed insurance information on my auto loan account. My accident occurred on XX/XX/year>. Westlakes online portal showed that lender-placed insurance was active and listed an expiration date of XX/XX/year>. After the accident, Westlake claimed the policy had expired earlier and that there was no coverage. That contradicts the information shown in Westlakes own portal. The portal still displays the XX/XX/year>XXXX expiration date. I am asking for Westlake to be required to provide the actual policy dates, the documents supporting its position, and an explanation for the conflicting information it gave me. They should also honor the insurance and pay for the accident!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: FL

Complaint narrative:
On Wednesday XXXX I called to speak with a representative to see if I can set up a payment plan. I was than transferred to a manager, she verified information and than she started to ask me about my job, how much I make, and if I was Getting a tax return, when does it deposit in my account and how much I told her about XXXX I also asked her why does she keep asking about my tax return. She than stated I cant set up a payment plan and that I dont qualify because I have a tax return coming, I also told her that I need that money to pay other bills off as well and they arent the only company I owe. I was than transferred after a lot of back and forth to a high up and was told NO as well and that XXXX every XXXX weeks which is XXXX a month is unacceptable and I hung up. I proceeded to call back and discuss about the XXXX percent off Offer I had until XX/XX/XXXX me and the manager went back and forth again as it was the same one before and she than hung up in my face and didnt accept my off. Its very unprofessional and unacceptable to hang up in someone face that is actually trying to pay the debt something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a BOA account in XXXX of XXXX. They gave me one said I was approved. I was excited to bank with them. I thought they were the best bank they often sp many good features like XXXX and so much more. Everything was going fine till about 2 weeks in they shut my account down because someone gave me a check and I mobile deposited. They didnt even accept the check they denied it and just shut my account down. So I thought oh no maybe the check was bad. So I walked it into XXXX as I still had an account with them because i haven't even had enough time to transfer my funds over to BOA nor setup my direct deposit. So I walked the check into XXXX told them what BOA down they told me thank you for being honest it looks like a good check we will run it and just put a 7 day hold on it. Long story short it was a good check my client paid me with and when I ask BOA why did they close my account down they just say they don't have to give a reason but I done nothing wrong. Why they just get someone's hopes up and get them in the process of switching everything over then crush their dreams is beyond me. I really liked the way BOA was setup and I really wanted to get away from XXXX but now im stuck at XXXX all because of what a check that was good. It went through and has been over 6 months now. I talked to my client several times since and he told me it came out of his account the money and the check was good. Which it was because it cleared in my XXXX account. I just don't understand what I did to be teased by BOA. I been applying for a long time every 2 year and they finally let me in then just rip it away. All they say we don't have to give a reason.

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 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Issue : Mortgage Servicing Unauthorized Escrow Account and Improper Foreclosure Action I am filing a complaint against Shellpoint Mortgage Servicing regarding serious mortgage servicing errors. My mortgage agreement does not include an escrow requirement for property taxes. However, the servicer unilaterally created an escrow account without my consent and paid property taxes fiscal year XXXX to XXXX XXXX XXXX XX/XX/XXXX which was not even delinquent on XX/XX/XXXX and XX/XX/XXXX. They then added the amount and all other penalties with attorney fees to my mortgage balance and restructured my monthly mortgage payment and forced me to sign a new loan document on XX/XX/XXXX. I formally disputed this action, but the company has refused to correct the account. Instead, they continued to add penalties, escrow shortages, and late fees. Despite the ongoing dispute, the company recorded a Notice of Default and initiated pre-foreclosure proceedings. I believe this constitutes improper mortgage servicing and an unauthorized escrow account creation. I request that the servicer : Remove the unauthorized escrow account Correct the mortgage payment calculation Reverse all related penalties and escrow shortages Withdraw the Notice of Default filed against my property I also request a full investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
I received a collection notice from CBE Group regarding approximately fifteen alleged medical accounts connected to XXXX XXXX totaling approximately {$1400.00}. The dates of service appear to be eight or more years old. Because of the extreme age of these accounts, I believe they may be beyond the applicable statute of limitations under Utah law. Additionally, due to severe health conditions affecting members of my household, our family consistently met our annual insurance out-of-pocket maximum early each year. Services later in those years should have been fully covered by insurance. These accounts therefore raise serious concerns regarding potential insurance billing errors. I also note that the accounts referenced in the collection notice appear to have been assigned to my wife rather than to me, even though I was the insurance policyholder responsible for the coverage under which these services were provided. This raises additional concerns regarding whether the correct guarantor was identified and whether proper billing statements or insurance coordination notices were ever provided to the appropriate responsible party. To my knowledge, I never received billing statements or notices regarding these alleged balances. I have disputed these accounts and requested validation. However, the collection agency indicated they intend to continue collection efforts unless I submit a written dispute. Because of the age of these accounts and the lack of clear documentation supporting the balances, I am requesting that the CFPB review this matter and ensure the collector complies with the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, Bank of America notified me that it was closing my business checking account that had been open since XXXX. No specific reason was provided beyond a vague reference to an alleged violation of the Deposit Agreement. Bank of America has refused to provide any factual basis or evidence for this allegation. On XX/XX/XXXX, Bank of America issued and mailed a cashiers check ( check number XXXX ) in the amount of {$38000.00}, representing the remaining balance of my business checking account. On XX/XX/XXXX, I presented this cashiers check in person at a Bank of America financial center located at XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I provided valid identification and requested payment. Branch staff and the branch manager refused to honor the check, citing a purported {$4000.00} check-cashing limit for non-customers. Since that date, I have attempted to negotiate this cashiers check at three separate Bank of America financial centers. Each location has refused to honor the check for the same reason. This is not a third-party check. This is a cashiers check issued by Bank of America itself , drawn on Bank of Americas own funds. I am the named payee and can fully verify my identity. Bank of Americas internal non-customer cashing limits do not extinguish its obligation to honor its own instrument. Under UCC 3-412, the issuer of a cashiers check is obligated to pay the instrument according to its terms to the person entitled to enforce it. Bank of America has refused to do so while providing no reasonable alternative method for payment. Instead, I have been repeatedly told to open an account at another bank. This does not resolve the issue and does not address Bank of Americas obligation to honor its own cashiers check. The business has since been dissolved, and in any case, the banks obligation to honor its instrument is not contingent on my ability to open new accounts elsewhere.

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 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am being sued for outstanding credit card debt. Money is being deducted from my account to pay off the debt without wiligness to evaluate payment plans. The money being deducted is to pay my mortgage for my family and I. Notices were sent while I was away for work to keep my family afloat. The debt has also been sold to different creditors but yet I am still being sued. There are people who owe much more than me with longer debt times that have not been sued. I feel targeted and I've maintained my position to assess payment plans due to not being in a position to pay the debt in full. I am being put in a position to risk my mortgage and home due to having money taken out of my account.

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