vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I applied for a loan modification with Penny Mac and they are saying they will not review my file because when I applied for the mortgage a few years ago there is discrepancies with my paperwork when the loan first originated. I asked them what discrepancies they are talking about and they refuse to tell me. They advised me to find the loan officer or company that gave me my original mortgage. I do not have access to that company as they are no longer in business. If this was true than Penny Mac would have this information their files and they would know exactly what discrepancies there are and the issue can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: CITIBANK, N.A.
State: LA

Complaint narrative:
I am disputing multiple unauthorized credit card transactions that Citi has incorrectly determined were authorized. The transactions occurred onXX/XX/XXXX 2026 and consisted primarily of multiple XX/XX/XXXX purchases across numerousXX/XX/XXXX locations, along with XXXX XXXX transactions in XXXX XXXX,XX/XX/XXXX The attached transaction records show a clear and consistent pattern of fraudulent activity, including repeated charges of similar amounts at multiple XXXX stores in different XX/XX/XXXX cities within a short timeframe. Additional XXXX XXXX charges occurred during the same period in XX/XX/XXXX. It is not possible for legitimate transactions to occur across these geographically distant locations within this timeframe. I reported these transactions to Citi as fraud. Citi denied the claim and stated that the transactions were made using my mobile device. I dispute Citis conclusion. Citi has not provided any evidence demonstrating that the device used was my device. The use of a digital wallet or tokenized payment method does not establish that the device belonged to me or was under my control. The transaction pattern itself contradicts Citis conclusion. I am requesting that Citi : * Reopen the investigation * Provide the specific evidence supporting its determination, including the Device Account Number ( token ), device identification, and provisioning details * Reverse all unauthorized charges

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 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2026 I opened a checking account with ALLY BANK. On XX/XX/XXXX I received a direct deposit of {$920.00} from my current employer XXXX XXXX XXXX. That same day minutes after receiving my deposit ALLY BANK closed my checking account without any explanation. I have called multiple times trying to find out any information as to why it closed but no one is to give me any details and no one is able to tell me when I will receive those funds. It has been 22 days now and I just called again today XX/XX/2026 and all I was told was the account is still not closed and they can not provide a date as to when it will close nor could they explain as to why the account was being closed to begin with. I am left without any answers as to when I will receive my 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 non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XX/XX/XXXX CFPB COMPLAINT BRIDGECREST REPOSSESSION & ILLEGAL CREDIT REPORTING Consumer : XXXX XXXX Creditor : Bridgecrest Issue : Unlawful repossession disclosures, missing auction information, and inaccurate credit reporting -- - Summary of the Problem Bridgecrest repossessed my vehicle and sold it at auction without providing any of the legally required notices. I did not receive : - Notice of the auction date - Notice of the auction location - Notice of the sale price - A postsale deficiency explanation - An itemized accounting showing how they calculated the remaining balance Despite failing to provide these disclosures, Bridgecrest is reporting the full original balance on my credit report, which is inaccurate, incomplete, and unverifiable. XX/XX/XXXXLegal Violations XXXX. XXXX Violations Failure to Provide Required Notices Under UCC XXXX, XXXX, and XXXX, Bridgecrest was required to provide : - A presale notice of disposition - A postsale explanation of any deficiency - The sale date, sale method, and sale price Bridgecrest provided none of these documents. XXXX. FCRA Violations Inaccurate and Unverifiable Reporting Bridgecrest is reporting a balance that : - Has no supporting documentation - Has no proof of sale price - Has no deficiency calculation - Has no itemized accounting Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( b ) and XXXX ), furnishers must only report information that is : - Accurate - Complete - Verifiable Bridgecrest is reporting an amount that can not be verified. XXXX. Failure to Respond to Dispute I previously disputed this account and requested verification. Bridgecrest did not provide the required documentation within the legally required timeframe, violating : - FCRA XXXX - CFPB Regulation XX/XX/XXXX Requested CFPB Action I am requesting that the CFPB require Bridgecrest to : XXXX. Provide all repossession and auction documents, including : - Presale notice - Auction date and location - Proof of sale - Sale price - Postsale deficiency explanation - Itemized accounting XXXX. Provide verification of the amount they are reporting to the credit bureaus. XXXX. Delete the account from all credit bureaus if they can not provide full documentation. XXXX. Cease reporting any balance that can not be legally substantiated. XX/XX/XXXXCertification I certify that the information in this complaint is true and correct to the best of my knowledge. Signed : XXXX XXXX XXXX,XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against JPMorgan Chase Bank regarding the wrongful denial of a fraud claim involving an unauthorized ATM withdrawal of {$2900.00}. My XXXX XXXX XXXX prepaid mobile account was compromised via an unauthorized eSIM transfer I did not authorize this SIM transfer. This hack of my phone number was the likely reason by which the fraudster was then able to access and take out money from my Chase account via ATM withdrawal. The withdrawal was in the XXXX NJ, but I was instead in XXXX XXXX in XXXX, NY, working on a commercial set. I did not at all authorize any transaction, nor XXXX I give my PIN or debit card to any one. I immediately reported the unauthorized ATM transaction to Chase and filed a fraud claim under my rights pursuant to the Electronic Fund Transfer Act and Regulation XXXX ( XXXX XXXX XXXX ). Chase denied my claim on the basis that the transaction " appeared authorized due to being PIN authorized. I did not at all authorize this transaction and have never given out my card or my PIN. Not only was I the victim of the ATM withdrawal, the hackers also attempted to transfer money out of my Chase account through XXXX, which was eventually denied by Chase 's own fraud department. They also attempted to extort my partner by getting her to transfer money into our joint account. None of this was my decision or authorized and should prove that I am innocent in any Fraud charges against me. This denial is wrong for the following reasons : XXXX XXXX places the burden on the bank, not the consumer. Under XXXX CFR XXXX ( c ), Chase is required to investigate and has the burden of demonstrating that the transfer was authorized. A conclusory statement that the transaction " appeared authorized '' does not satisfy this standard. The transaction was preceded by a documented XXXX account takeover. The XXXX hack on my phone account, which I explicitly also did not authorize, is also evidence that my identity and credentials were compromised by a fraudlent third party. Chase 's investigation should have considered this context instead of insisting the PIN authorization alone confirms my involvement. Chase failed to conduct an adequate investigation. The denial did not reference any specific evidence that I personally authorized or initiated the ATM withdrawal, as required for a valid denial under XXXX XXXX. I have retained records of the fraud claim submission, Chase 's denial, and documentation of the XXXX XXXX XXXX XXXX swap incident, and can provide these upon request. I also have documentation proving I was nowhere near the location of the withdrawal and was working during the time of the transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I contacted customer service to report an unauthorized card and classified it as fraudulent activity. However, the card has not yet been deactivated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ADS Resolve LLC
State: FL

Complaint narrative:
I am formally disputing a collection accounts reported on my credit report I dispute these account in its entirety and challenge the accuracy, completeness, ownership, balance, and legal enforce ability of the alleged debt. I requested validation and supporting documentation, including the original signed agreement, complete itemized account statements, payment history, chain of assignment/authority to collect, and proof supporting the amount being reported. The company has failed to provide sufficient documentary evidence establishing that I owe this debt, that the reported balance is accurate, or that it has the legal authority to collect and furnish this information to consumer reporting agencies. Despite the disputed status of this account, the collection item continues to be reported, causing ongoing harm to my credit profile. A collection agency or data furnishes can not lawfully report information that is inaccurate, incomplete, misleading, or incapable of being properly verified through a reasonable investigation. I am requesting a complete re investigation of this account, including verification of the original source records, contractual basis for the alleged obligation, calculation of the balance, and documented authority to collect and report the debt. If the company can not produce competent, verifiable evidence supporting its claims, this account should be deleted immediately from all consumer reporting files. Reporting unsupported or unverified collection information raises serious concerns regarding compliance with federal consumer reporting and debt collection requirements. I request removal of this collection account, correction of all related reporting inaccuracies, and written confirmation of the investigation findings and actions taken.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
I did not sell any debt to any collector to anything that has to do with debt its not supposed to be on my credit report or affect my credit score I find this very atrocious and it needs to be removed effective immediately.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I applied for a credit card offer for Barclays JetBlue mastercard. I have previously had a Barclays affiliated account in good standing. Part of the offer required {$1000.00} be spent on the account within a specified time period. The credit limit exceeds {$1000.00}. Barclays accessed my credit report, approved the card and sent a physical card to me. When I activated the card, I spoke to an actual customer service person due to technical difficulties. My identity was again verified on the call. Once I received the card, I attempted to charge {$1000.00} on the card per the offer and the charge was declined. I did not receive any notification to confirm my identity for the transaction. I contacted customer service at the point of the transaction. I was told there was a hold on the card and that the hold could not be released until I physically mailed a copy of the front and back of my social security card and my identification card. I subsequently spoke to 3 additional people over 2 additional calls. Each person confirmed what I was previously told and refused to close the account. I was told the card would neither be activated nor cancelled unless I complied with sending the requested information BUT the annual fee could be charged to me for the inactive card. I communicated that my identity had been confirmed prior to the card being issued and again at the time the card was activated. There was zero information on the application indicating physical documents were required AND I have NEVER been asked to send physical documents for any credit card application. I informed Barclays I would not send a physical copy of the front and back of my social security card and identification card to anyone. I requested that the account be closed. Please note there has not been any change of information, fraud or odd activity on my credit report or any accounts. Barclays has refused to activate the account or close the account and intends to charge an annual fee for the inactive account. Not only did Barclays embarrass me by declining the transaction, I feel manipulated, bullied and held XXXX by this out of the ordinary stalemate. The request for additional physical documents feels fraudulent.

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 2026-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I have both a Checking and Savings Account with SoFi Bank XXXX. I was looking for my Account Statement for the month of XX/XX/scrub> 2026 and called the Bank on its customer service number on XX/XX/year>2026 only to be told that the bank has no way of generating a document stating my current balance because the month hasn't finished yet. I need this document for a XXXX appointment at the XXXX of XXXX and I'm going to run into this issue to show my current balance to prove my financial stability. Also looked at various threads on XXXX and it shows Sofi doesn't have this capability of generating a document in the middle of the month to show a customer 's account balance which is a true violation of the customer 's rights in this day and age

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing a complaint regarding Bank of America 's handling of my claim and the lack of communication from the assigned Resolution XXXX, XXXX XXXX ( XXXX ). XXXX XXXX requested additional documentation from me but has failed to provide the physical mailing address where the documents should be sent. Despite multiple attempts to contact him by phone and email, he has not responded. He does not answer his direct extension, nor does he reply to my emails requesting clarification. As a result, I am unable to submit the requested paperwork, and I am concerned that the check related to my claim will expire before this matter can be resolved. The delay appears to be caused entirely by Bank of America 's failure to provide the necessary instructions and by the lack of responsiveness from the assigned specialist. The employee 's contact information is : XXXX XXXX Resolution Specialist, Regulatory Complaints Bank of America Office : ( XXXX ) XXXX ext. XXXX Case Number : 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 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PatientFi, Inc.
State: NC

Complaint narrative:
As previously stated in last dispute Patientfi contacted me about a debt of XXXX $ .Patient turn the debt collection to company called bounce AI.I wasnt inform about how to dispute this but I found out how to myself. I paid my settler to pay Patientfi debt and even I have evidence of debt being settled with XXXX therefore thats who these debt collectors need to contact. I work everyday of the week and even now and some days are XXXX hours a day, I dont have time or energy to go back in forth with something I already paid to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America has twice denied a fraud claim number XXXX, for a charge to our credit card made in XXXX XXXX on XX/XX/year> in the amount of {$2800.00}. We did not transact business with the merchant identified on our statement XXXX XXXX XXXX which charged our card on that day in the amount of {$2800.00}. We immediately reported the fraud over the phone when it happened to Bank of America. At the time, the representative indicated that the charge could not be challenged until it cleared the pending charge status. During the initial reporting call, we cancelled our card, fearing more fraud. The only contemporaneous charge made was an approximately {$9.00} taxi transaction ( XXXX pesos ) with an official XXXXXXXX XXXX XXXXXXXX taxi, which hastily drove away and refused to provide us a receipt. At that point, my phone pinged with the fraudulent charge. Moreover, XXXX should have never processed a charge for this large amount as the largest transaction we made in XXXX prior to that date was for {$150.00}. We provided evidence over the telephone regarding this fraud on numerous occasions after it occurred and in writing- on XX/XX/year> and again on XX/XX/year>. XXXX twice denied our claim stating that the card was used for the charges, chip read or that we signed for the merchandise provided. None of these claims is accurate. BOA to date, has not provided copies of documents used in denying our fraud claim, which we have requested over the phone and in writing and which it indicated in the denial letters that we have a right to examine.

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 2026-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
I moved out of my apartment in XXXX XXXX XXXX. The apartment was clean and there was no excessive damages. On XX/XX/XXXX I received a charge from the leasing office for {$300.00} in damages. I immediately considered these charges excessive and attempted to dispute with the leasing office both over email and over the phone. I called and emailed several times between XXXX and XX/XX/XXXX and never received any response or update. In XXXX, I received in the mail a charge for {$300.00} from a collection agency for the charges from the leasing office. I first attempted to contact the leasing office who informed me that there was nothing they could do and I would have to go through the collection agency. On XX/XX/XXXX ( less than 30 days after receiving the initial letter ) I sent a formal letter to the collection agency requesting verification of the ownership of the debt and the amount owed. I never received a response from this letter and they continued to report the debt. On XX/XX/XXXX, I sent a second formal letter requesting verification of the debt, both the amount owed and the ownership of the debt. This time, I sent using certified mail and received confirmation the letter was delivered on XX/XX/XXXX. I once again did not receive a response. On XX/XX/XXXX, the collection agency again reported the debt to XXXX despite refusing to provide validation of the debt and respond to written correspondance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
the company identify you and your account. I was incarcerated from XX/XX/XXXX and was released on XX/XX/XXXX while in prison a lot of identity theft in my name was going on and now credit cards company is coming after me.i went to XXXX XXXX jail when i was lock up on XX/XX/XXXX then was sentenced to prison in 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 non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I was incarcerated from XX/XX/XXXX and was released on XX/XX/XXXX while in prison a lot of identity theft in my name was going on and now credit cards company is coming after me.i went to XXXX XXXX jail when i was lock up on XX/XX/XXXX then was sentenced to prison in XXXX.

Company response to consumer: Closed with explanation