vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: FREEDOM FINANCIAL NETWORK
State: NC

Complaint narrative:
I applied for a HELOC loan with ACHIEVE LOANS on XX/XX/year> with XXXX XXXX, Mortgage Advisor Tel XXXX XXXXXXXX. On XX/XX/year>, I was advised that my XXXX loan had been approved by XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The mortgage processor was XXXX XXXX TEL XXXX XXXXXXXX. My loan Closing was with XXXXXXXX XXXX DBA ACHIEVE LOANS. Closing date was XX/XX/year> and the Disbursement date was supposed to be on XX/XX/year> in the amount of {$67000.00} to cover my credit cards expenses. The paperwork was signed in front of a XXXX XXXX in my State of North Carolina. On XX/XX/year> I received a call from XXXX XXXX from their Underwriting Department Tel XXXX XXXXXXXX informing me that my loan had not been approved and that I will be receiving a letter of explanation as to the reasons why within XXXX to XXXX days. I further asked if they were not going to put any XXXX on my home since the HELOC was canceled and I was told absolutely not. As of today, I have not received any letter, I have called her and left numerous messages and have not received any of my calls returned. I am XXXX XXXX XXXX and my home is my only possession, my only income in my social security. I can not afford to hire a lawyer. These people really mislead me into believing they could help me payoff my credit cards bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
They are charging interest rate of XX/XX/XXXX plus a fee of {$3500.00}. Original loan amount {$1200.00}. Pay back amount {$4800.00}. They charge {$380.00} every XXXX weeks, and of that amount only {$46.00} goes to the loan. {$340.00} is applied to interest and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I have had XXXX American Express cards that have had perfect history with payments and use within the terms and conditions. Recently Amex out of nowhere demanding a bunch of financial documents to keep my accounts open claiming that is was a common practice. I have never been in any kind of violation and they told me that if I made a payment for {$500.00} they would take no action to reduce my credit limit. I paid it, and more, and they closed all of my accounts as a result of the financial review because I did not submit the documents they asked for since they would not provide me with specific reasons why this happened. I have a problem with this because their choice to make these change makes no sense with my history with them or any other credit company and now it gravely affects my credit score and history, thus causing additional hardship to me and impacting other credit relationships. They are also using incorrect information that I have disputed with the company that reported it, the credit bureaus, and made Amex aware of the inaccuracy. They still took action that harmed my credit worthiness without appropriate communication with derailed information, or consideration of how this impacts the consumer in a negative way when they have been a nearly perfect customer for them with no late payments, maintained positive credit history and was punished for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: DE

Complaint narrative:
On XX/XX/year> Rocket Mortgage turned on autopay in my account, took the mortgage payment and overdrew my checking account by {$200.00}. I talked to Rocket Mortgage the following day. I was put on hold for an extended period of time until I ended the call with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I opened a XXXX account approximately in XXXX of this year, XXXX. They told me that I need to verify information as far as XXXX sent that information in to be verified, they said unable to verify account that there was suspicious activity on the account and they froze it. After contacting them through email, they still wasn't able to verify account. They're fun still on the account that I would like to retrieve.Unable to get into account or should an email.Because they said they were no longer going to accept any emails or correspondence from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I noticed there were XXXX unauthorized charges made on my account with XXXX by a minor for XXXX XXXX. This transaction was not authorized by me as the cardholder. The charge was made by a XXXX who accessed my card information without my knowledge or permission. As soon as I became aware of the charge, I contacted the merchant, XXXX, in an attempt to resolve the issue directly. XXXX denied my refund request twice and advised me to dispute the charge with my financial institution. I then filed a dispute through XXXX in good faith, explaining that the transaction was not authorized by me. However, the dispute was denied on the basis that funds were available in the account and that activity indicated knowledge of the balance. The availability of funds in an account does not confirm authorization by the cardholder, especially when a minor has accessed the card without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Meridian Title  Corporation
State: AZ

Complaint narrative:
Meridian Title closed a transaction for my XXXX XXXX house in XXXX XXXX Indiana My XXXX had XXXX and XXXX XXXX at the time ; his mind was not clear and he should not be signing any legal documents in XXXX, XXXX ; he went into a XXXX XXXX facility ; was ill and XXXX XXXX XX/XX/XXXX The deed was notarized by the XXXX at Meridian Title I contacted XXXX XXXX at Meridian Title ; she denied all facts even though I have a medical report of my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding my federal student loans serviced by Nelnet. I believe the balances, past due amounts, and other information reported to the credit bureaus may be inaccurate. My credit reports currently show multiple Nelnet accounts, and I have disputed the reporting through the credit bureaus because the balances and reported amounts appear incorrect. I am requesting that Nelnet provide full verification of the debt, including : Original loan disbursement records A complete payment and interest history Documentation supporting the current balances and past-due amounts Confirmation that the information reported to the credit bureaus is accurate If Nelnet can not provide proper documentation validating the reporting, I request that the accounts be corrected or removed from my credit reports in accordance with the Fair Credit Reporting Act. I am also requesting a full review of my account to determine eligibility for any available federal student loan relief or forgiveness programs administered through Federal Student Aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I discovered a collection account reported by Vance & Huffman LLC in XX/XX/XXXX for {$1500.00}. The account appears to relate to a XXXX XXXX XXXX loan from approximately XXXX. I never received any written notice from Vance & Huffman informing me they had taken over this debt or that this amount was owed. Additionally, the account is reporting Vance & Huffman as the original creditor and shows an opened date of XX/XX/XXXX, which appears inaccurate because the loan originated with XXXX XXXX XXXX in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Colony Ridge Inc.
State: TX

Complaint narrative:
XXXX I reached out to Colony Ridge concerning some land that was posted for sale. I met with a rep for the company we walked through the property he explained terms of how we could move forward if I was interested. I waited a week and was contacted by the rep we met went to a makeshift trailer and was greeted by another rep who was supposed to close the sale. We sat down filled out some paperwork and gave them access to my checking account for which monthly payments along with the deposit was supposed to be drafted. After about a month I attempted to contact the rep to proceed with getting plumbing obligations completed on the land. I became suspicious when the rep would not meet with me and began to give me the run around. Upon digging further I came across a XXXX group where members said they had been victims of scams dealing with Colony Ridge LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My Capital One credit card account has been restricted for over a year. During that time there was a remaining balance on the account. Recently, I was able to pay the balance in full using my XXXX XXXX XXXX account, and the account now shows a {$0.00} balance. Throughout the process, I attempted to resolve the matter with Capital One and requested that the account be finalized or closed since the balance has been paid. Capital One requested identity verification documents, and I provided the requested information including a copy of my government-issued identification, my Social Security number, and a bank statement showing my current address. However, Capital One continues to request documentation that I can not reasonably provide. They requested proof of mail showing that I lived in XXXX XXXX. I have not lived there for several years and do not have access to mail from that address. They also requested bank statements from a XXXX XXXX account that has already been closed. I contacted XXXX XXXX and was informed that archived statements would need to be mailed and could take up to three months to receive. Due to my work schedule, I have not been able to visit the bank in person during business hours. I have made a good-faith effort to cooperate and provide reasonable documentation. Since the balance has now been paid in full, I am requesting that Capital One finalize this matter and resolve the account restriction without requiring documentation that is no longer reasonably available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I was notified on XXXX26 that XXXX is now reporting my voluntary surrender as a repossession theyve been reporting since 2020 as a voluntary surrender after I made arrangements with them and they join promising me that they would remove it from my credit report when I tried to dispute it the week of XX/XX/XXXX they decided as a penalty to start reporting it as a repossession, and not a voluntary surrender it was and always has been a voluntary surrender an absolutely lie on my credit report. I made arrangements with them to hand them my keys have the car picked up called many many times XXXX and explain the situation and they agreed that it was a voluntary surrender, not a repossession, and that they would not report it to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I applied for the Citi / XXXX XXXX XXXX XXXX XX/XX/year>, of which my application was instantly approved. I got a text message the following Tuesday, XX/XX/year> from a number ( XXXX ) from Citi asking if I applied for the card and I responded yes as instructed in the message. I got a response back saying Im all set and to enjoy using my new card. Upon approval I realized the card might not come as early as I expected as I was going to move out to a new place XX/XX/year>. So, I called the customer service, asked to update my address and have my card sent there instead. I was told they need to do a verification by sending a XXXX time code to my phone number, I said no problem and I confirmed the phone number on my account but for some reasons best known to them, they could not send me a code. They asked if I have other numbers and I did provide another number, that didnt work either. Then they asked if they could call me back on the phone number on my account and I said sure, so the rep hung up, the call came in but I couldnt pick up cause my phone sent the call to voicemail as it was an unknown number. I noticed this and quickly turned off the feature in my phone settings hoping the representative would try to call back, but she never did. I tried calling back the number but it says it does not allow inbound calls. I waited the whole day but they never called back. So I called again but this time they are not giving option to call me back and they cant send a code too. They said I would be receiving a letter with a code to my verified address in the mail. I explained that I would be moving out and the reason Ive been calling was to update my address but they said they cant do anything and I have to wait for the letter. Ive tried calling back several times, Ive asked if the letter can be sent to the address Im moving to instead but they cant even tell me where the letter is going. This is the worst customer service I have ever encountered, its my first account with Citi and I was hoping for a better experience but its been a nightmare so far and its not even been XXXX weeks yet. I moved to a new place as I have mentioned and Ive not had any luck getting my problems solved, I cant get any mail from my previous address and they wouldnt update my address and send me my card. What a shame. Also I have a sign up bonus to catch up with within XXXX months of account opening, and this is how we begin.

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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding an inaccurate and duplicate credit report by XXXX XXXX XXXX related to alleged XX/XX/XXXX accountXX/XX/XXXX previously responded to a CFPB complaint stating the accout ending XXXX will be closed and that a request to delete the trade line has been submitted to the credit bureaus in the same response, they also stated that the second account ending XXXX was not to be reported to the credit bureaus. However, the account is currently appearing on my Experian credit report as an active collection account open XX/XX/year> with a balance of XXXX this directly contradicts XXXX written statement to the CFPB that the account was not being reported additionally, the related collection matter was dismissed with prejudice by the court because the matter has been permanently dismissed and XXXX has already acknowledged the closure and deletion of the related account to continue reporting of this collection is in accurate and appears to be a duplicate or re-reported from the sameXX/XX/XXXXXXXX account the reporting is inaccurate and violates the fair credit reporting act I request permanent deletion of the XX/XX/XXXX trade line from all my credit reports with all credit bureaus

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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
CHASE BANK Account XXXX Did XXXX wire transfers to XXXX. Fraud division blocked the transfers Fraud division blocked my account. Can not use ATM, All scheduled bill pay were returned paid. They did not block the ability to make deposits. XXXXXX/XX/XXXX filed a complaint on my behalf but there has not been any response. I can not access the XXXX in the account to pay my bills

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Coinbase, Inc.
State: FL

Complaint narrative:
" I am a victim of an organized bot-attack on my credit card account ( issued by Cardless/Coinbase ) , resulting from a documented XX/XX/XXXX security breach. Between XX/XX/XXXX and XX/XX/XXXX, {$720.00} was stolen from my account. I formally reported the fraud on XX/XX/XXXX ( Case # XXXX ). While the physical card was blocked, the company failed to secure the Virtual Card. As a result, {$280.00} that was 'Pending ' at the time of my report has now fully cleared, bringing my total loss to {$720.00}. The Legal Failure : As of XX/XX/XXXX, the company has exceeded the XXXXbusiness-day window to provide Provisional Credit under Federal Regulation E. Instead of refunding these unauthorized charges, the company is using stalling tactics by repeatedly asking for transaction details I already provided in full on XX/XX/XXXX ( Case # XXXX ). They are currently in violation of federal consumer protection timelines. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: VT

Complaint narrative:
I repeatedly get billed for a Citibank charge I did not make. It is for {$11.00} plus late payment fees. I got a letter from you saying it is resolved but I am still getting billed. This is causing me so much stress. I want to cancel the LL Bean card and have this resolved. I have been a loyal customer for many many years and dont know why I keep getting bothered about this. Thank you. I hope to hear that this is resolved and I have a zero balance soon and I dont get charged again for this. I would like to be credited for all the months that I have paid this erroneous charge. The charge is for a toll and it's {$11.00} billed every month. I am XXXX XXXX XXXX and don't even drive in that state. They have reported my {$35.00}!!! balance as late to multiple credit bureaus.

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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF HAWAII CORPORATION
State: MS

Complaint narrative:
It is for the Bank of Hawaii. I recently made a deposit ( a very large amount, hence their freeze. They never called me. They only texted or emailed me. Call me! This has put an obstacle in my path, obviously. If you could make them free up the account totally, send me a new debit card linked to my account with them, that would be awesome, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
i opened a credit account with the woman within company and they started charging for fees and services that we did not agree to, specifacilly {$15.00} per month for sales magazines and numerous fees and other non specified incendental fees.

Company response to consumer: Closed with non-monetary relief