vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage has committed multiple systemic failures under Regulation X ( RESPA ), specifically regarding the timely processing of escrow information and the accurate application of consumer payments. Despite providing all requested documentation, my account has remained in an erroneous " Pending '' status for XXXX days, resulting in financial duress and improper late fees. Failure to Credit Supplemental Payment : On XX/XX/XXXX, I made a phone payment of {$910.00} ( Confirmation Number : [ If you have it, insert here ] ) specifically to address an escrow shortage. This payment has been completely omitted from the XX/XX/XXXX and XX/XX/XXXX escrow analyses. I provided proof of a XXXX XXXX on XX/XX/XXXX. Freedom continues to calculate my escrow using a tax liability of {$2500.00}, despite having documentation that the actual liability is {$1100.00} ( a {$1300.00} annual discrepancy ). Freedom has failed to update my annual premium following my switch to XXXX, which reduced my annual cost by {$400.00}. An escrow representative initiated a corrective analysis on XX/XX/XXXX with a promised XXXX business day completion window. As of XX/XX/XXXX, this remains " Pending, '' far exceeding the reasonable timeframes allowed under RESPA for correcting asserted errors. Due to these delays, my monthly payment was improperly inflated from {$2100.00} to {$2500.00}. Although an escrow representative verbally confirmed on XX/XX/XXXX that my rate should be approximately {$2200.00}, I am being forced to pay the higher amount to avoid foreclosure and credit damage. Furthermore, I have been charged at least one {$73.00} late fee caused solely by the company 's failure to process my documents within their own stated 7-day turnaround. I demand an Immediate completion of the XX/XX/XXXX analysis using the {$1100.00} tax figure and XXXX premium. I demand an Immediate credit of the {$910.00} payment toward the escrow balance. I demand a credit applied to my XX/XX/XXXX statement for the cumulative overpayments made in XXXX and XXXX. Full refund/credit of the {$73.00} late fee ( XXXX ). A separate review and refund of the documented tax overcharges from the XXXX tax year. l overpaid funds and late fees.

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 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Lendbuzz Inc.
State: MD

Complaint narrative:
My vehicle was repossessed, and the company is now reporting that I owe a remaining balance of {$14000.00}. On XX/XX/year>, I contacted Lendbuzz by email requesting a full written accounting of the repossession and sale of my vehicle. I specifically requested the date of repossession, date of sale, sale price, type of sale, itemized fees, deficiency balance calculation, copies of required notices, and proof of mailing. On XX/XX/year>, the company responded but did not provide any of the requested information. Instead, they instructed me to call them. On XX/XX/year>, I followed up again in writing, clearly stating that I wanted all communication and documentation provided in writing. I repeated my request for all documentation related to the repossession and sale. The company again failed to provide any of the requested documentation and repeated the same response directing me to call them. As a result, I have not been provided with any documentation showing how the remaining balance of {$14000.00} was calculated, nor have I received proof of required notices or sale details. Because the company has not provided any documentation, I am unable to verify the accuracy of the balance being reported. I have also disputed this account with the credit bureau due to inaccurate and incomplete reporting. I am requesting that the company provide full written documentation regarding the repossession and sale and correct or remove any balance or credit reporting that can not be properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Ive filed several complaints against Citibank because they are the worst banking institution in the entire country and they take advantage of people they cheat people. They dont follow the law and an ongoing basis. They violate my rights and something needs to be done about it and honestly, I think that the federal government should go in and take over the company because they are doing so badly for Americans and banking customers. Ive had my account for almost 2 years. Ive never had a single issue. Ive never had a deposit returned or anything like that. My account is in perfect standing, and I should have no limitations on deposits or anything being held and all of a sudden about two months ago they started holding deposits of mine and refunds even and I am positive that its because I filed a complaint against them and then its retaliation because they are required under the law that if they think they have a reason to hold anything or theres some fraud there thinking about they have to tell me that I have a legally valid reason to do that otherwise deposits and refunds need to post within 24 hours. They have refused to tell me or even talk to me about it but yet they continue to do it and the example is right now over the last six months Ive had several different refunds from Hobby Lobby and each one of them post immediately because Hobby Lobby designates it that way, and as you can see from the attached screenshots, all of those Hobby Lobby refunds post immediately to my account cause thats what Hobby lobby wants well on Saturday I had a return to Hobby lobby and there was an amount of {$3.00} that shouldve posted to my account immediately on Saturday but its being held and is still on hold now almost 2 days later and that 100 % is a decision that was made by Citibank and not Hobby Lobby and they are doing it on purpose to harass me. Theres no reason why they should be holding a refund from XXXX XXXX when Ive had six months of refunds that have been perfect and its {$3.00}. Im so angry at this bank they are they dont care about my rights and they need to justify what the XXXX theyre doing why theyre holding onto a {$3.00} refund from XXXX XXXX when I know for a fact, the XXXX XXXX wants us to post immediately and you look at the last six months of my account and every single one post immediately except for this one thats {$3.00}. They are doing these things on purpose to harass me and retaliate against me for filing complaints against them and something has to be done.

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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IA

Complaint narrative:
XXXX citizen XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX bank and trust i have had my credit score trashed with no faulse reasons and paid lots of over fees and and wrong accusations

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: WA

Complaint narrative:
I took out this loan due to falling behind with other loans. I expected to pay it back quickly. However, the loan was for {$1900.00} and I have learned the interest rate is 392.53 %. I have paid back {$2800.00} to date with 9 payments, and there are apparently a total of 24 payments. I did not fully understand the interest, and I did not know that Big Picture Loans was not licensed to provide loans in Washington state, and their interest rate far exceeds the legal amount in the my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and failure to validate an alleged debt by XXXX XXXX. This account is being reported as a collection with a balance of {$980.00}, allegedly from XXXX XXXX XXXX XXXX. I dispute the validity of this debt and do not recognize it as accurate. I have requested proper validation, yet the account continues to be reported without sufficient proof. I am demanding the following : A complete, itemized statement of charges, including dates of service and services rendered. The name and address of the original creditor. Documentation bearing my signature showing I agreed to be financially responsible for this debt. Proof that XXXX XXXX has legal authority to collect this debt, including assignment or purchase documentation. A complete chain of custody of the debt from the original creditor to XXXX XXXX. A detailed accounting of the amount reported, including any fees or adjustments. Additionally, this appears to be a medical-related debt. As a third-party collector, XXXX XXXX should not have access to or be reporting any of my protected medical information without proper authorization, which may constitute a violation of HIPAA. This account is being reported without proper validation and may be inaccurate. Reporting unverified or incomplete information is a violation of the Fair Credit Reporting Act ( FCRA ). I request that XXXX XXXX either provide the requested documentation or immediately delete this account from all credit reporting agencies. Failure to comply will result in further complaints and potential legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 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: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I have been sued In The Court of Common Pleas of XXXX XXXX, PA for a debt that is supposedly owed by me in the amount of {$2500.00} to XXXXXXXX XXXX XXXX XXXXXXXX. I have disputed this with the credit bureaus with no resolution. XXXXXXXX XXXX XXXX XXXXXXXX as well as XXXX XXXX XXXX has not contacted me either to comply with the dispute. With no contact via email, telephone or USPS mail to notifying me of the outstanding debt, they decide to sue me. The attached documents will show the credit card statement but no other documents that I requested. The " claim '' they emailed me on XX/XX/year> regarding Seller Notification but no email address listed on their document for proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am writing to file a formal complaint against Wells Fargo Bank, N.A., regarding serious errors made during my account opening process and the banks continued failure to correct those errors, which has resulted in my accounts being improperly restricted and my funds becoming inaccessible. On XX/XX/year>, I visited the Wells Fargo branch in XXXX XXXX XXXX XXXX XXXX XXXX New York, where I opened a Premier Checking account and a WellsTrade brokerage account. During the account opening process, I clearly and explicitly informed : XXXX, the banker assisting me at the branch, and XXXX, the WellsTrade advisor that : I am a XXXX XXXX, I do not hold a XXXX XXXX XXXX and I am legally present in the U.S. under a valid XXXX XXXX XXXX. Despite this clear disclosure, Wells Fargo incorrectly recorded my resident status as a XXXX XXXX on my application. Approximately one week later, Wells Fargo contacted me via secure message, requesting verification documents, including a notarized copy of my XXXX XXXX XXXX. In response, I submitted all required documents and explicitly explained again that : I do not have a XXXX XXXX XXXX and My lawful status is based on my XXXX XXXX. Nevertheless, Wells Fargo refused to acknowledge their original error and continued to demand that I provide a notarized copy of a XXXX XXXX XXXX, which I legally and factually do not possess. As a result, my WellsTrade account was restricted, I currently have no access to my own funds, and I am experiencing financial harm and significant distress. To further cooperate, I even submitted notarized USCIS-issued XXXX XXXX documentation verifying my lawful immigration status. Despite this, my accounts remain restricted. I scheduled a call with a WellsTrade advisor supervisor XXXX XXXX on XX/XX/year>, for the stated purpose of resolving this issue. No one called me at the scheduled time, and I received no explanation or followup. I am deeply frustrated.

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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
i tried to make paymenys auto pay wasnt allowed then got fees then paid on phone then was told that fees will be remover they werent then more fees and negative report was issued

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
First I was contacted through a third party company on behalf of XXXX XXXX. They gave wrong information about the debt owed and also threatened to sue me if I did not comply with paying the debts. They contacted my employer without my consent and now they have contacted my mother although I did not use her as a reference. They disclosed the amount I owed with my mother without my consent via text message. I want the harassment to stop and for them to leave me alone expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: CA

Complaint narrative:
Medical Data Systems refuses to remove this fraudulent account from my credit file. I have tried several times to fix this to no help. Balance : {$47000.00}. This is fraud! Not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I received a phone call from the Wells Fargo XXXX number ( XXXX ). The " representative '' stated there were suspicious charges on my account and they were attempting to stop those transactions ( stating there were charges at a gas station in XXXX, and app transfers to people with my maiden name ). They asked if I had my debit card in my possession and if I used pay apps, like XXXX XXXX XXXX XXXX XXXX XXXX. They told me they had to disable my app log-in to stop them and remove their devices from my account. I received codes from Wells Fargo via texts and they asked for those confirmation codes. They then said to transfer the funds back from XXXX XXXX and file a claim, they were going to send a transfer request. XXXX XXXX request and pay texts look INCREDIBLY similar. And the gentleman speaking said every step of the way " it'll alert you this could be spam, but this is why I'm on the phone walking you through it etc ... '' The alleged charges were {$3000.00} and that's what the payment went through as. I was then prompted to reset my phone, which I declined. The entire call was about 40 minutes. About 15 minutes later, I had a horrible feeling and called Wells Fargo ( the SAME number, I received the call from ). I spent 5 hours on the phone with Wells Fargo and XXXX XXXX to file claims and XXXX to determine if my phone had spy ware and set up spam call screening, etc... The agents filed multiple claims and closed all of my accounts, opening new accounts for me. I also filed a complaint with the FTC. However, all of the transfers ( from my credit to my checking ) cleared and then the Apply Pay charge ( from my checking to the scammers ) cleared on XX/XX/XXXX. On XXXX I received a letter that Wells Fargo denied all of my claims and can not recover any of the 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
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized debit card transactions that were denied by SoFi despite clear and documented evidence. On XX/XX/year>, I lost my debit card in XXXX, Florida. From XX/XX/XXXX through XX/XX/year>, I was physically located in XXXX, Florida. During that same period, multiple transactions totaling {$780.00} were made using my debit card in XXXX and XXXX, XXXX where I was not present. I provided detailed supporting evidence to SoFi, including timestamped photos, work schedules, event attendance, and accommodation records confirming my presence in XXXX. This evidence clearly demonstrates that I could not have been physically present at the locations where the transactions occurred. Additionally, I was actively using my account via XXXX XXXX in XXXX while my physical debit card was being used elsewhere. This represents simultaneous activity in different geographic locations, which is physically impossible for a single individual. I have never shared my PIN or authorized any third party to use my card. Despite this evidence, SoFi denied my claim and stated that no error occurred. When I requested clarification, I was not provided with a meaningful explanation addressing the geographic inconsistency or my supporting documentation. I have made multiple attempts to resolve this matter directly with SoFi, including submitting an appeal with new evidence, but my claim remains denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding unauthorized ACH withdrawals from a fiduciary escrow account at JPMorgan Chase Bank. Over approximately a 60-day period, more than 30 unauthorized ACH debits totaling {$15000.00} were initiated by external institutions including XXXX XXXX, XXXX, and XXXX. The activity began with three {$0.00} micro-deposits under variations of my closers name, a common method used to link accounts without authorization, followed by repeated withdrawals ranging from {$10.00} to {$3000.00}, often multiple transactions on the same day. I reported the fraud in person at a Chase branch on XX/XX/year>. Immediately prior to that report, on XX/XX/year>, two unauthorized withdrawals of {$2500.00} and {$3000.00} were processed but were not reimbursed. These transactions were part of the same ongoing fraud and could not reasonably have been identified from the XXXX statement. Following these withdrawals, scheduled payments to the XXXX XXXX XXXX XXXXXXXX were returned unpaid after the account was closed. Chase issued provisional credit for some transactions but refused to reimburse {$6300.00}, stating they were reported outside a 30-day statement window, even though several of the excluded transactions occurred in XXXX and were reported immediately upon discovery. This account is used exclusively for escrow purposes and holds third-party client funds. Despite the clear pattern of new ACH originators, repeated withdrawals, and escalating amounts, no fraud alerts were generated. I respectfully request a full investigation and reimbursement of the remaining unauthorized transactions. Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: CA

Complaint narrative:
At XXXX PST on XX/XX/year> I received a text message stating " Your XXXX past due toll fees account has been referred to F.H. Cann & Associates , Inc. Easily assess your account here XXXX to make a payment. To opt out of future messages, reply STOP. Thank you. XXXX XXXX, F.H. Cann and Associates, a debt collector. '' I was skeptical of the message being scam/spam and did not want to click on the link so I looked up XXXX which is XXXX XXXX XXXXXXXX XXXX XXXX The last time I was in the XXXX area I rented a car and as part of the rental agreement all tolls were included in the agreement, but just to be sure, I clicked on the texted link which took me to a website to create an account with an apparent lawfirm. The reference number was already pre populated when I clicked on the link and when I entered all of the other identifying information it said that no such reference number or case existed so an account could not be created for me to log in. I looked for an email to contact this law group but was unable to find one on this site provided.

Company response to consumer: Closed with explanation