vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery Associates is a Debt buyer from the Origal creditor XXXX XXXX Bank. They purchased the debt XXXX XXXX Bank and tried to sue me for the amount when we went when I went to the court for trial they did not show up I'm assuming because they didn't have enough evidence to prove that they own the account so judgment was entered in my favor as a result I have filed and disputed the claims with all three credit bureaus and has been over 30 days and is still not removed from my credit report and they are still making remarks on my credit the disputed amount was {$810.00} which they can not properly authenticate or approve that they can't belongs to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Sunbit, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I came in to XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX Ca, XXXX for a check up. They suggested I needed a deep cleaning and a crown. I agreed to pay whatever my insurance didnt cover out of pocket. They immediately set me up with SunBit for a 3rd party loan as well as taking a {$180.00} deposit. I agreed and signed on the paperwork. They did the work on half my mouth. On XX/XX/XXXX I called the dental office explain to them I no longer wanted half the services I needed the loan canceled and my bill adjusted. They claimed they would call me. They never did. SunBit refused to cancel without the merchant submitting paperwork. On XX/XX/XXXX I visited the dental office to get the second half of my cleaning done. I was in a lot of pain and they said it was normal. at this time I asked for my SunBit loan to be canceled they said they would and never did, I asked western dental to adjust my new payment plan it came out to {$2700.00} they did but never canceled the SunBit. On XX/XX/XXXX I went to urgent care because of the pain and they said it was XXXX XXXX XXXX, I went to XXXX XXXX and they basically said we wouldnt know this his name was XXXX On XX/XX/XXXX I came in to pay {$1800.00} and again they failed to cancel my loan, insisted I only pay debit. I paid the {$1800.00} and they have still to adjust my loan. $ XXXX {$1.00} is {$990.00} theyre charging me an extra {$100.00} this is fraud. And they have yet to cancel my SunBit loan for services I will not be Recieving. After asking SunBit THEY ARE refusing to cancel my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
On XX/XX/year>, I initiated an international wire transfer of XXXX USD from my USD XXXX account in XXXX, to a family member in XXXX. The funds were converted to XXXX at the time of transfer. The transfer was returned to me XXXX days later, on approximately XX/XX/year>, without any prior notification from the HSBC bank. I discovered this entirely by coincidence. Upon reviewing the returned amount, I found that XXXX USD had been deducted. The bank 's stated justification was an " FX rate difference. '' This explanation is factually incorrect. According to publicly available market data ( XXXX XXXX ), the XXXX/USD rate on XX/XX/year> was XXXX, and on XX/XX/year> it was XXXX - a real market difference of approximately XXXX percent. The bank applied a deduction equivalent to XXXX percent, which is more than XXXX times the actual market movement. Furthermore, applying any XXXX differential to a returned transfer is inherently unjustifiable, as the funds were never received or utilized by the recipient. Following this discovery, I contacted the bank 's customer service on XXXX separate occasions over more than a month, via phone and live chat. Each call incurred international call charges at my expense. On every occasion, I was told the matter would be investigated and I would receive a response within XXXX business days. I never received a substantive response - only a repetition of the same unsatisfactory explanation. After more than a month, they insisted on giving the same answer and declined to reimburse me and closed my case without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
It has been a nightmare dealing with Rocket Mortgage ever since they took over the servicing of my mortgage loan from Mr Cooper. The most recent problem I am having with this company that has a website intentionally built to make it difficult for borrowers to pay their loan is what I call the Rocket Mortgage double loan payment scam. Attached to this complaint is a copy of the Rocket Mortgage payment page. When I attempt to make my loan payment and set the payment date for XX/XX/year> ( XXXX days before the end of the grace period for my loan ) before I can submit my loan payment the is a box that must be checked. The text attached to this checkbox states : " I understand I'm scheduling this payment in addition to my monthly payment already scheduled for Sunday, XX/XX/year>. '' I HAVE NOT scheduled any payment for Sunday, XX/XX/year>. It appears that by clicking on this checkbox, I would agreeing to pay XXXX mortgage payments instead of XXXX. The monthly payment that I HAVE NOT scheduled for Sunday, XX/XX/year> plus the monthly mortgage payment that I am scheduling for payment on XX/XX/year>. I am only paying XXXX payment. Not XXXX! It would appear that Rocket Mortgage is using fraud and deception to trick its borrowers into paying XXXX mortgage payment instead of the XXXX mortgage payment they are scheduling for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Absolute Resolutions Corp.
State: PA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX that on XX/XX/XXXX XXXX purchases were made that were fraudulent. One was a charge to XXXX XXXX for {$92.00} and the second purchase was for XXXX for {$1800.00}. That morning on the XXXX I called XXXX XXXX XXXX to report the dispute at XXXX XXXX and I also emailed as they had requested with the listed dispute. They cancelled the current card and sent me a new XXXX XXXX XXXX. I heard from XXXX XXXX on XX/XX/XXXX that they deemed this was not fraudulent activity and I immediately called to appeal this decision. I was told there was no one in the fraudulent department to talk to and everything has to be sent via email to XXXX. On XX/XX/XXXX at XXXX I sent an email to appeal this decision that it was not fraudulent activity because I did not purchase or authorize these items. I asked them to explain how they arrived at this decision and what steps I need to take to resolve this issue. I never heard back from them. Meanwhile the XXXX XXXX XXXX XXXX was being discontinued and would no longer be available. So Starting XX/XX/XXXX the XXXX XXXX XXXX XXXX was being transferred to Absolute Resolutions and to use their portal for all account management. On XX/XX/XXXX I reached out again to Absolute Resolutions and explained the whole entire situation as listed above. Again I was told there was no one physically I could talk to and all correspondence had to be through email and I was told to email them at XXXX which I did that exact day XX/XX/XXXX @ XXXX. I was told it could take up to 90 Days. I never heard anything and on XX/XX/XXXX at XXXX I called Absolute Resolutions to find out where the fraud investigation process was at. I spoke to a XXXX XXXX at XXXX and was told there wasn't anything new on the case but he would inquire and send a message to the approrpiate department. Once again I asked if I can speak to someone in the fraud department and was told I would have to email them but give it about 7-10 days and If I do not hear from them to call back. I never heard anything so on XX/XX/XXXX I called and they told me that it was decided that it was not fraudulent and I would be responsible. The XXXX XXXX XXXX XXXX was an account that I paid in full every single month with no balance ever transferring over. Absolute Resolutions has been taking the minimum payments out of my account every single month. I have an Excellent Credit Score that I do not want ruined by these fraudulent charges. I was never sent an explanation to how they arrived at their decision and now I am ready to pursue action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a {$630.00} collection account reported by my former landlord through a collection agency. I vacated the apartment and returned the keys on XX/XX/XXXX, and the lease ended XX/XX/XXXX. The documentation provided lists a move-out date of XX/XX/XXXX, which is inaccurate and appears to inflate the rent calculation. The landlord also retained my {$240.00} security deposit, and the documents provided do not show that the deposit was applied to the balance or properly accounted for. Since XX/XX/XXXX, I have sent multiple written requests for documentation supporting the alleged balance, including an itemized ledger, a copy of the signed lease, vendor invoices or receipts for any charges, and the security deposit deduction statement required under XXXX law. No documentation has been provided despite repeated written requests. I am requesting investigation of this account and correction or removal whe the debt can not be validated. I also have move-out videos showing the unit was left clean and undamaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am submitting a complaint regarding monthly maintenance fees charged on my Wells Fargo checking account after the bank changed the requirements for avoiding those fees. The only notice of this change was included in my monthly statement, which I did not see at the time. Because the change was not clearly highlighted or communicated separately, I did not realize the requirements had changed until four months later, after four monthly fees had already been charged. When I contacted Wells Fargo, they refunded two of the fees as a courtesy but refused to refund the other two, even though all four occurred for the same reason during the same time period. Since the bank acknowledged the issue by refunding two fees, I am requesting that the remaining two monthly maintenance fees also be refunded.

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 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach : XXXX XXXX XXXX account number XXXX, amount XXXX inquires XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a XXXX XXXX utility collection account being furnished by Online Information Services / Online Collections XXXX. I have disputed this account directly with the collection agency and with XXXX, XXXX, and XXXX multiple times. I also sent a formal furnisher dispute under FCRA 623 ( a ) ( 8 ) along with supporting documentation demonstrating that I am not legally responsible for this debt. This account relates to a household utility service connected to a prior residence. I vacated the residence in XXXX prior to the delinquency and provided documentation showing that responsibility for the account belonged to my former spouse pursuant to court order. A final utility bill alone does not establish my individual contractual liability for the charges. Despite receiving my disputes and supporting documentation, the collection agency continues to verify the account as accurate with the credit bureaus without providing documentation establishing my personal legal responsibility for the debt. I am requesting that the company either provide competent documentation establishing my individual liability for this account or immediately delete the tradeline from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: PA

Complaint narrative:
I was sent a non working phone by XXXX XXXX I tried returning the device and they refused. I then tried doing a chargeback thru chime and the bank refused my chargeback

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: IL

Complaint narrative:
I want every single one of these loans off my credit. They have taken my credit score down almost XXXX points being reported on my credit without prior knowledge from anyone especially since I have never heard of them or taken a loan out with them. I want them off my credit and for my credit score to be restored to XXXX on all credit reporting agencies XXXX XXXX XXXX etc. I WANT IT FIXED PLEASE AND THANK YOU My service provider is MOHELA

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I dont know what happened. This is not my accounts. Its fraud and they need to be removed of my credit report. Thank you.

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 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: NC

Complaint narrative:
After the deposit account was closed on XX/XX/year> I tried to call the customer service 800 number to find out how the remaining balance would be sent to me. I could not get past the automated system to speak with a live agent. So I sent an email and after a week with no response I sent another email. When customer service finally responded I was told to review the email that informed me that the account was being closed and there I would find out how I was to receive my monies. But there was nothing in that email about the remaining balance. So I sent another email and their next response finally acknowledged the remaining monies. The stated that they were wanting to return the balance to be returned to the external account I transferred it from. I informed them that it was not possible to do that because that account was closed and I sent them proof of it. Also in the email I suggested a couple of ways they could return monies ( ach transfer to another external account or paper check to address on file. Still waiting on a answer and it has now been 5 days since last contact

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
I dont know the amount pacifically but I think its {$300.00} this day was sold to a debt collector

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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding Cash Apps handling of a dispute involving an unauthorized duplicate charge from XXXX. On XX/XX/year>, I paid my XXXX bill in full in the amount of {$470.00} using my Cash App debit card. Despite the account being paid in full, XXXX processed an additional charge of {$320.00} on XX/XX/year>. I immediately contacted XXXX and was told that the charge was a billing error and that a refund would be issued. However, the refund was not issued and the matter was later placed under investigation by XXXX. Because the charge was unauthorized and occurred after my account had already been paid in full, I filed a dispute through Cash App. Cash App conducted what they described as an investigation and then denied my dispute. The denial email states only that the transaction was processed in accordance with the payment information received and that no error occurred. No documentation, explanation, or evidence was provided to support this determination. This response fails to provide any meaningful explanation for why the dispute was denied. Under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 CFR 1005.11 ), financial institutions must conduct a good faith investigation of disputed electronic fund transfers and provide consumers with the results of that investigation. Cash App has not provided the documentation or reasoning used to determine that the charge was valid. Additionally, the merchant has acknowledged that the charge is being reviewed and has opened a refund ticket on their end. Despite this, Cash App still denied the dispute. I am currently unemployed and these funds are critically important to my ability to meet basic living expenses. To resolve this issue, I am requesting that Cash App : 1. Reopen and conduct a proper investigation of this dispute 2. Provide the documentation and evidence relied upon in denying my dispute 3. Provisionally credit my account during the investigation as required under Regulation E 4. Reverse the {$320.00} charge if it is determined that the merchant charged my account in error I have provided documentation showing the payment of my XXXX bill, the additional duplicate charge, and the dispute denial from Cash App. I am requesting regulatory assistance to ensure that Cash App complies with its obligations under federal consumer protection law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Hello, I am submitting a complaint regarding an issue with Cash App and two transactions that resulted in funds being sent to the wrong account. On XX/XX/XXXX, two payments of {$170.00} each ( total {$340.00} ) were taken from my Cash App account and sent to the following recipient : XXXX XXXX XXXX XXXX These charges were unauthorized, as the payments were not intended for this recipient. The payments were intended for : XXXX XXXX XXXX XXXX Because both accounts have very similar names, the funds were sent to the incorrect account. I immediately submitted refund requests through the app and contacted Cash App support to request assistance recovering the funds. Cash App refused to help me and stated that the situation is not their responsibility and that I should contact the recipient directly. However, I do not know the recipient personally, which is why I reached out to their support team for assistance. Transaction IDs : XXXX XXXX I am requesting assistance in escalating this matter and encouraging Cash App to review the transactions and help recover the funds or contact the recipient regarding the unauthorized charges. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: SC

Complaint narrative:
I rented a vehicle from XXXX in XXXX for XXXX days and returned it with no damage. A few weeks later, I received an email from XXXX claiming {$820.00} in damage. When I logged into my XXXX account, there was no record of any damage claim, charges, or documentation. Because the claim appeared fraudulent, I did not respond. Later, I received another email stating the matter was being turned over to a collection agency. I then received an email and phone call from Summit A * R attempting to collect the alleged debt. They have provided no documentation, no photos, no repair invoices, and no proof that any damage occurred. This appears to be an unsubstantiated or fraudulent postrental damage claim. I am requesting that the CFPB require XXXX and Summit A * R to provide full documentation or cease all collection activity. I also request that no negative information be reported to any credit bureau.

Company response to consumer: Closed with explanation