vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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: OK

Complaint narrative:
On XXXX I received a notice that my Apple Card was used for a purchase at the XXXX XXXXXXXX. I was in bed, in XXXX XXXX, with my husband and immediately called to notify Apple Card of the fraud. I was issued a new electronic card and while I was making this report XXXX other transactions are through which were added to the fraud report. I was told there would be an investigation and I would be notified of the outcome. I inquired about an affidavit and was told it was not necessary as the call was being recorded. My account was credited back the funds, temporarily. XX/XX/XXXX I was notified that the dispute investigation was completed and that the merchant charges would remain. I again called Apple Card and was told they would reopen the case and was directed to contact the XXXX XXXXXXXX and that the evidential finding would be mailed via XXXX to me. I was also sent screen shots of the charges received by Apple Card. I did not receive the mailed evidence. I contacted the XXXX XXXXXXXX and filed a complain ( XXXX ). I received a phone all from someone at XXXX XXXXXXXX whom refused to provide an answer of any sort in writing and stated they could not provide me the details of what was purchased because it would be disclosing someone else 's personal information and that I should go through my credit card company to report any fraud. I relayed this information to Apple Card. On XX/XX/XXXX I received another notice from Apple Card that the transaction dispute investigation was complete and that the charges would stand. I again contacted them nd was told they would mail me via XXXX the evidence ( again, I have not received anything ) and that I should file with my local law enforcement and they, Apple Card, would reopen the case again. I then field an incident report with the XXXX XXXX XXXX XXXX XXXX ( case number XXXX ) and reported the case number back to Apple Card XXXX Today, XX/XX/XXXX, I received another notice that the investigation is complete and that the charges would stand. I have followed up with the XXXX XXXX XXXX XXXX XXXX and was directed to lodge a complaint with the Internet Crime Complain Center ( XXXX ) and that complaint submission number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I opened a checking account using the promo code " XXXX '', under the terms below. My first qualifying direct deposit of {$1000.00} was made on XX/XX/XXXX, and my second qualifying direct deposit of {$1000.00} was made on XX/XX/XXXX. This satisfied the terms of the offer, yet I have still not received the {$300.00} bonus despite it being over 30 days. 

Customer support has confirmed that I am eligible for the offer but has not been helpful in resolving the issue. When I first contacted them, I was told that my last direct deposit was on XX/XX/XXXX and that I would receive the bonus 30 days from that date. The second time I contacted them, I was told that my last direct deposit was on XX/XX/XXXX and that I would receive the bonus 30 days from that date. The agent said they would submit a request for the back office to look into it, but that I would not receive a response for 30-35 business days which is unacceptable. Again, per the terms of the promotion, my second direct deposit on XX/XX/XXXX satisfied the requirements, and I should have received the {$300.00} bonus no later than XX/XX/XXXX. 

Terms of the offer are below : Set up a Qualifying Direct Deposit ( QDD ) totaling at least {$1000.00} per month for two consecutive months to be deposited into your new Spending Account. Your first month of QDD transaction ( s ) totaling at least {$1000.00} must post to your Spending Account within 60 days from when you open your new Spending Account. Your cash bonus will be paid into your Spending Account within 30 days after you reach the second consecutive monthly {$1000.00} QDD minimum. To be paid, make sure you keep your Spending Account open and in Good Standing through the payout.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SN SERVICING CORPORATION
State: DC

Complaint narrative:
I am submitting this complaint regarding the mortgage servicing practices of SN Servicing Corporation related to my residential mortgage loan. 

SN Servicing Corporation issued a 30-day notice asserting that my monthly mortgage payment would double due to delinquent property taxes allegedly paid by the investor. The taxes referenced pertain to an adjacent vacant lot that was never secured by my mortgage, never used as collateral, and is not identified in my mortgage note or escrow agreement. 

I promptly contacted my assigned account representative to dispute this charge and to communicate my willingness to discuss reasonable repayment arrangements after verification of the debt being paid. All communications regarding this matter occurred exclusively via email. 

While I was actively engaged in discussions and proposing repayment terms, the account representative ceased communication without explanation. Shortly thereafter, my online account access was disabled, preventing me from continuing to make my regular monthly mortgage payments. 

Before the assigned account representative ceased communication, I was informed that my most recent payment ( XX/XX/year>XXXX  ) was not credited to my mortgage balance and was instead applied to legal fees, despite my account being current at the time. 
SN Servicing Corporation has since initiated foreclosure proceedings and is asserting an outstanding balance in excess of {$120000.00} above the last known loan balance. No payoff statement, transaction history, escrow analysis, or accounting has been provided to explain this significant increase. 

These actions raise serious concerns regarding compliance with federal mortgage servicing requirements, including accurate payment application, transparent accounting, reasonable borrower communication, and foreclosure safeguards. 

Just to emphasize and highlight, I was not behind on my regular monthly mortgage payments when this all started. This was all triggered, without my knowledge, by SN Servicing Corp paying the delinquent property taxes on the adjacent vacant lot and arbitrarily initiating a repayment plan that was beyond my ability to pay with a 30-day notice. 

I respectfully request CFPB review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: FinCo Services Inc DBA Current
State: GA

Complaint narrative:
XXXX XXXX {$140.00} XXXX XXXX {$51.00} These disputes were added to a list I dont not provide them. Over and over again I provided them with the list and asked that these disputes be stopped. They said repeatedly they can not stop the process. So I asked them where is the money since its still pending because the merchant said it was initiated and returned but it was not returns to me and current day they do not have the money but its somewhere right? Everything on my list of disputes were taken care of except these and they can not telll me why its taking so long even though they said 90 days but the rest are done already taken care of a I was sent a provisional credit but so happen the ones I did not ask for I did not receive a provisional credit and they are still pending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: NORTHWEST BANCSHARES INC
State: GA

Complaint narrative:
I wrote a check for XXXX to pay off an auto loan I have with Northwest Bank. The check was written from our XXXX XXXX  account to Northwest bank and sent in the mail. It looked like it had been paid but I noticed on XX/XX/XXXX the XXXX check amount was added back to our XXXX XXXX  account on XX/XX/XXXX and said potential fraud. There was money in the account to cover the loan amount but XXXX XXXX  decided they didnt want to take a chance on it not being fraud and declined. Due to the check being declined I incurred a 5 % of XXXX ( the check amount ) returned check fee of {$2100.00} in addition to a late fee of {$34.00}. I called XXXX XXXX  and they said they sent an email on XX/XX/XXXX to notify us of potential fraud. We did not see the email as we were at work and dont have access during business hours and in addition don't always log into to email daily. Later that day they declined the check. I called Northwest Bank to ask to have the {$2100.00} fee removed and they have declined to do that saying it is in the paperwork. The normal rate is XXXX dollars for a returned check fee not {$2100.00}. While they can apparently do what they want, I am filing a complaint against the bank for unfair, deceptive ( no one explained this was a possibility ) and absolutely insane return check fee that I find hard to believe this is even legal. XXXX asking again for someone to provide some common sense and remove this outrageous returned check fee or adjust it to something reasonable such at 5 % of the monthly amount due. I also believe that whatever charges are incurred should be the responsibility of XXXX XXXX. They should have provide a better means of communication if they thought there was an issue such as a phone call or text message and should wait to hear from us before declining the check. There is money in the account and we should not be penalized by PNCs decision to decline a valid check or Northwest who is charging an unbelievable amount for a return check fee.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am refinancing my home with US Bank ( XXXX # XXXX ). US Bank charged me for an appraisal that is materially defective and violates the Uniform Standards of Professional Appraisal Practice ( USPAP ). 

The Violation : The appraisal report contains fraudulent/negligent certifications. 

On Page 5, the appraiser signed a certification stating he " performed a visual inspection. '' On Page 19 ( USPAP Addendum ), the appraiser checked the box explicitly stating : " I have NOT made a personal inspection of the property. '' The report lists the subject property value at ~ $ XXXX. in the XXXX XXXX XXXX, while concluding a value of ~ $ XXXX, a 50 % calculation error demonstrating gross negligence. 

The Bank 's Failure : I filed a formal disciplinary complaint with the California XXXX XXXX XXXX XXXX XXXX ( XXXX ) and provided proof to US Bank on XXXX XXXX and XX/XX/XXXX. I requested US Bank void this defective report and order a new inspection from a competent appraiser. US Bank XXXX XXXX XXXX acknowledged my complaint on XX/XX/XXXX, but has failed to provide a resolution for 5 days, effectively stalling my refinance transaction. 

Resolution Requested : US Bank must immediately order a new appraisal from an independent appraiser at their own expense. If they refuse, I demand a full refund of the appraisal fee for this worthless, non-compliant service.

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 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RENASANT CORPORATION
State: MS

Complaint narrative:
I have been requesting complete loan documentation for over three months, including : full payment history from loan origination through my most recent posted payment, a complete life-of-loan amortization schedule through current balance, and access to all monthly statements in my online account.

Despite repeated written requests, I have only received partial and fragmented documents. Most recently, the bank only sent statements from 2024, not full history or current records. My online portal still only shows a few recent statements, and statements briefly appeared and then disappeared.

I escalated the issue by copying bank leadership, and the loan officer responded by telling me not to copy others and stated he would only forward whatever information he receives, rather than coordinating with servicing to provide a complete loan accounting. I have also been prevented from speaking with anyone other than this same loan officer despite unresolved servicing issues.

Because I do not have full statements, full payment history, or a complete amortization from origination, I can not independently verify the accuracy of my loan balance. I need these records for my files and for future transactions involving the collateral properties.

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 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/year> I went to a Dealership " XXXX XXXX  '' here in XXXXXXXX XXXX to test drive and purchase a vehicle. I ended up choosing the one I had liked and decided to submit a finance application with this dealership. The dealership approved me through Westlake financial, I put down {$5500.00} down on the car. Original vehicle price was {$27000.00}. The dealership put a fraudulent amount down ( {$25000.00} ) on the application that did not sum up to the {$5500.00} I came out of pocket to finance said vehicle. There were no other fee 's shown to me on any paperwork besides a {$900.00} dealer fee. Anywho upon reviewing my contract I've come to conclusion I had been intially financed & charged a incorrect amount of {$25000.00} at a XXXX % interest rate at the time ( that as well was not disclosed & paperwork hidden ). Upon contacting the finance company " Westlake Financial '' XXXX XXXX XXXX ID # XXXX told me it did not matter because the contract was already signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of a fraudulent XXXX transaction. I was deceived into sending money through XXXX to an individual who falsely claimed the funds were for rent. After the payment was sent, it became clear that the transaction was fraudulent and that I did not receive what was promised. 

I immediately contacted Wells Fargo to report the transaction as fraud. Despite explaining that I was misled and providing the details I had, Wells Fargo stated that XXXX transactions have no guarantee and claimed there was not enough evidence to dispute the transaction. They then closed my case without a full investigation and implied that the loss was my fault because the payment was authorized. 

I do not agree with this determination. This was not an accidental payment or buyers remorse it was a case of deception and fraud. I believe Wells Fargo failed to properly investigate my claim and failed to protect me from authorized push payment fraud. The funds were critical to me and were intended for my car expenses. 

I am requesting that Wells Fargo reopen and properly review my fraud claim, provide a clear explanation of why the transaction was denied, and take responsibility consistent with consumer protection standards for XXXX fraud.

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: IL

Complaint narrative:
Called velocity debt collections and explained to them that XXXX  already collected on the debt for XXXX who was the original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had XXXX ( XXXX ) consumer credit accounts with Citi Bank dating back several years. My tradeline with them is at least XXXX years solid with great history. XXXX of these accounts are major credit cards and I believe XXXX of them is a XXXX store card and the other one being a Best Buy store card. The other XXXX cards were Rewards Cards or Cash Back cards of some sort that had at minimum $ XXXX of accrued value that is now " forfeited '' due to them closing the accounts as well as in excess of $ XXXX in credit exposure. All of which none of these accounts had any balances nor did we rarely ever carry a balance with them only during a time of a balance transfer. We always pay our cards off in full each month. I have sent them XXXX letters already asking for explanation of account closure and they told me due to XXXX activity they have closed the account. So I then asked them for the proof of the XXXX  activity-and they responded with their decision is final and per their terms and conditions they can close an account for any reason or no reason at all.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I am submitting a complaint regarding the improper denial of PMI cancellation under the Homeowners Protection Act ( HPA ) by my mortgage servicer, Mr. Cooper ( Nationstar Mortgage LLC ). 

I purchased my home in XX/XX/year>. The original purchase price and appraised value at closing were {$510000.00}. My loan is over XXXX XXXX  old, my payment history is current, and my current principal balance is approximately {$410000.00}, which places the loan below 80 % loan-to-value when calculated using the original appraised value. 

I submitted written requests to Mr. Cooper requesting PMI cancellation under the HPA based on reaching 80 % XXXX using the original appraised value. Instead of reviewing the request under HPA original-value guidelines, Mr. Cooper denied the request and stated that my loan-to-value was calculated using an automated valuation model ( AVM ) provided by the investor ( XXXX XXXX ), which estimated a lower current property value. 

I am not requesting PMI cancellation based on current market value and did not request an appraisal, evaluation, or XXXX. I repeatedly clarified in writing and via customer service that my request was made under the HPA using the original appraised value, but Mr. Cooper continues to rely on an XXXX and has not cited any HPA provision that allows substitution of an XXXX for the original value in this situation. 

I am requesting that Mr. Cooper be required to review my PMI cancellation request in compliance with the Homeowners Protection Act using the original appraised value at closing, and either remove PMI or provide a written explanation citing the specific HPA provision that justifies denial.

Company response to consumer: Closed with explanation