vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Product : Consumer Loan / Installment Loan Issue : Problem with a purchase shown on your statement ( or select the closest match : loan dispute / incorrect information ) Complaint Title : Financing for Solar Project That Was Never Permitted, Inspected, or Granted Permission to Operate Complaint Narrative : I am filing a formal complaint regarding a retail installment contract financed by Service Finance Company , LLC for a solar installation associated with XXXX XXXX XXXX XXXX. Service Finance Company has stated that it purchased a retail installment contract ( RIC ) related to this transaction. While acknowledged, this does not alter its obligations under the Federal Trade Commission ( FTC ) Holder Rule, which makes the holder of the contract subject to all claims and defenses that I may assert against the original contractor. The solar project associated with this financing was not completed in accordance with applicable legal and regulatory requirements. Specifically, the system was never properly permitted, never received final inspection approval, and was never granted utility interconnection or Permission to Operate ( PTO ) by XXXX XXXX. I have submitted multiple written disputes requesting documentation verifying that the project was completed in compliance with : Building permit requirements Final inspection approval Utility interconnection approval Permission to Operate ( PTO ) Contractor lien waiver Service Finance Company has failed to provide any of this documentation. Instead, they have relied on internal records and a statement that I allegedly indicated the work was complete during a phone call. This does not constitute verification of legal completion or regulatory compliance. Further, the contractor, XXXX XXXX XXXX XXXX, is no longer in business, leaving the system in a defective and non-compliant condition that now requires correction by another contractor. Despite the lack of legal completion and documentation, Service Finance Company continues to treat the account as valid and has reported it to credit reporting agencies as accurate. Because the financed goods and services were not properly completed or legally delivered, I am asserting my rights under the FTC Holder Rule. Requested Resolution : I am requesting that Service Finance Company : Provide documentation demonstrating that the solar project was fully permitted, inspected, and approved for operation Cease reporting this account as accurate while it remains disputed Correct or remove any inaccurate credit reporting associated with this account If Service Finance Company can not provide documentation demonstrating legal completion of the project, the debt should not be considered valid.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I am seeking CFPB assistance regarding USAAs denial of reimbursement for losses caused by a sophisticated bank impersonation scam. Criminals posing as USAA fraud representatives falsely claimed my accounts were compromised due to a data breach and induced me, through deception and urgency, to move funds through Green Dot barcode transfers, cash-funded transfers, and XXXX as XXXX of what they falsely represented as bank security procedures. Before acting, I took steps to verify the callers, including calling back through what appeared to be USAAs automated phone system and speaking with a purported supervisor who confirmed the instructions, leading me reasonably to believe I was acting under legitimate bank direction. I reported the fraud within XXXX hours, filed a police report, and disputed all related transactions. USAA initially issued provisional credits, then denied the claims and reversed the credits, treating the transactions as ordinary authorized activity while failing to meaningfully address that these were fraud-induced transfers caused by criminals impersonating the bank itself.

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 2026-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
I reported an unauthorized electronic transaction to Chime within 24 hours of discovering it. On XX/XX/year>, I contacted Chime multiple times by phone and also provided written notice by email requesting a formal Regulation XXXX investigation. During the calls, representatives repeatedly stated the transaction was peer-to-peer and indicated there was little or nothing they could do. I specifically requested that a formal dispute be opened, requested transfer to the fraud/disputes department, and requested a case number. No case number was provided and no investigation was confirmed. At approximately XXXX XXXX, I also provided written notice by email regarding the unauthorized activity and requested review and account protection measures. Later, I submitted a customer satisfaction survey documenting that I had not been properly assisted and again requested review of the unauthorized transaction. Despite multiple verbal and written notices within 24 hours, Chime failed to confirm that a formal dispute or investigation had been opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Cashera LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I sent an email to revoke ach and never heard back on XX/XX/XXXX they reached out via text and I requested to revoke ach. The guy made it seem like ok revoked well they just randomly took money from my acct yesterday on XX/XX/XXXX and I immediately messaged them and today XX/XX/year> they responded back saying they reject the revocation. All my research shows if I revoke ach they cant reject that request and that they must adhere to my request to revoke ach.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ThunderRoad Financial, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX i as a consumer purchased a XXXX from XXXX located in XXXX XXXXXXXX XXXX. Upon dealing for the vehicle i was told by salesman XXXX XXXX and XXXX XXXX XXXX XXXX i needed to make a down payment of {$1500.00} to leave with the vehicle. Due to this transaction being a consumer credit transaction in accordance to XXXX ( Truth in Lending Act ) The finance charge does not include charges of a type payable in a comparable cash transaction. XXXX did not disclose full disclosure of XXXX. XXXX also did not assign the debt/account to any lender to which my knowledge days later. Days later i received a phone call from ThunderRoad financial to inform me i owed them for the loan they provided for the vehicle. Upon looking at my contract due to never receiving a bill/statement from ThunderRoad Financial i looked over the XXXX installment contract and security agreement ( exhibit a ) and noticed the debt/account was not assigned to ThunderRoad Financial on the incomplete document ( Exhibit a ). If a retail installment is assigned to a party that party must be on the assigned part of the retail installment to prove the validity of the party having security interest in said contact and the authority and right to collect on the debt/account. XXXX did not complete said contract and thunderRoad financial has illegally been attempting to collect on a debt/account they have no authority to do so on. ThunderRoad has been asked for debt validation under cfr XXXX, accounting pursuant to XXXX XXXX and has even been asked to provide a bill or statement and has never been able to provide documentation, not even a bill. XXXX from XXXX XXXX XXXX has been asked for documentation of where down payment was applied to and informed of the contract not being assigned on multiple phone calls.ThunderRoad was requested to provide documentation has not been able to or attempted to after speaking to XXXX XXXX who has informed me the debt/account was charged off in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
I submitted a PSLF Buyback request in XX/XX/year> after reaching the required qualifying public service employment period. Since submitting the request, I have not received a decision, meaningful status update, or estimated processing timeline. I have been unable to obtain clear information regarding the status of my request or whether additional information is needed from me. My application remains pending more than XXXX year later. I am requesting that my PSLF Buyback application be reviewed and processed, and that I receive a clear status update and confirmation regarding my eligibility and calculation process.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: PR

Complaint narrative:
Dear Customer Service Team, I hope this message finds you well. I am writing regarding a late payment reported on my account for XX/XX/year> related to my Barclays Luxury Card Black Card account. I respectfully request an immediate review of this matter, as I firmly believe this reporting is inaccurate. My account has been enrolled in automatic debit payments, and I have maintained an excellent payment history throughout my relationship with your institution. I have been a customer for approximately XXXX months and have never had a single late payment or delinquency on this account. My credit profile has consistently been excellent, and I take my financial responsibilities very seriously. Therefore, seeing a late payment reported on my credit history was both surprising and deeply concerning. At this moment, I am in the process of purchasing my primary residence, and unfortunately, this reported late payment is directly impacting my mortgage approval process. This situation is causing significant hardship, particularly considering my longstanding record of timely payments and the fact that my account is set up under automatic payment arrangements. I kindly ask that you thoroughly investigate this matter and, if confirmed to be an error or system-related issue, promptly correct the reporting with all applicable credit bureaus. Your assistance, understanding, and urgent attention to this matter would be sincerely appreciated. Thank you very much for your time and support. I look forward to your prompt response and resolution. Sincerely, XXXX 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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
XX/XX/year> : XXXX XXXX XXXX XXXX XXXX reply-to : XXXX Trying to collect a debt that is not owed by me, and this email went to the JUNK folder. XX/XX/year> : Email From : XXXX XXXX XXXX XXXX XXXX reply-to : XXXX Trying to collect a debt that is not owed by me, and this email went to the JUNK folder. XX/XX/year> : XXXX XXXX XXXX XXXX XXXX reply-to : XXXX Trying to collect a debt that is not owed by me, and this email went to the JUNK folder. XX/XX/year> : XXXX XXXX XXXX XXXX XXXX reply-to : XXXX Trying to collect a debt that is not owed by me, and this email went to the JUNK folder.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
XX/XX/year> : Radius Global Solutions LLC XXXX reply-to : XXXX Trying to collect a debt that is not owed by me, and this email went to the JUNK folder. XX/XX/year> : Email From : Radius Global Solutions LLC XXXX reply-to : XXXX Trying to collect a debt that is not owed by me, and this email went to the JUNK folder. XX/XX/year> : Radius Global Solutions LLC XXXX reply-to : XXXX Trying to collect a debt that is not owed by me, and this email went to the JUNK folder. XX/XX/year> : Radius Global Solutions LLC XXXX reply-to : XXXX Trying to collect a debt that is not owed by me, and this email went to the JUNK folder.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Okay, so when the government shut down, I contacted all credit card companies to request possible hardship or forbearance, just in case I didn't get paid. It was during the call to Synchrony, I found out that, as XXXX XXXX, they offer 0 % interest. When signing up for the cards, I had to give them my ID ( a XXXX ID ), as well as my employment ( XXXX XXXX ), so they KNEW I was XXXX XXXX WAY BACK WHEN I first signed up for the cards, but NEVER offered the 0 % interest rate to me until the last shutdown! And even then, just getting it was a hassle! I had to mail SEVERAL letters to them, for EACH CARD/ACCOUNT. I had to include a copy of my XXXX, as well as marriage certificate, so they have all that on file! And, still, even now, I have yet to be refunded on AT LEAST a XXXX XXXX XXXX XXXX card, and possibly others. This bank has hurt me so much over the years, with late fees and " promotional balances '' I always DECLINED, but they'd still be applied, and stupid-high interest. These are all oldand/or closed accounts that I paid and closed off just due to how difficult it was to pay, decline promotional balances ( then have to call because they were applied anyway ), and the absurd interest. I also closed all until-recently open accounts, after hearing about how Synchrony significantly increases interest rates on XXXX ' accounts, after leaving XXXX XXXX. I'm not dealing with that. And while they have refunded me on some accounts, others have yet to be refunded, even though I've sent certified mail to them, multiple times. Additionally, THEY KEEP CALLING, MULTIPLE TIMES A DAY, to leave a pre-recorded message saying " per your coorespondence, we are looking into your request, and will keep you updated ''. THAT IS NOT RESOLUTION. By law, if I have a BALANCE ( and, due to refunded interest/fees, I WILL ), they have XXXX DAYS, after recieving a written request, to REFUND my credit balance! I sent my XXXX request back in XXXX or XXXX of this year, and latest letter was printed and sent on XX/XX/XXXX of this year! This concerns JOINT AND SEPARATE ACCOUNTS with my wife, XXXX 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 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LD Holdings Group, LLC
State: NY

Complaint narrative:
CRITICAL AMENDMENT TO CLOSED CASE ID XXXX DO NOT MERGE OR AUTO-DELETE. This is a new, distinct regulatory complaint based on newly uncovered evidence of an absolute structural legal impossibility under New York state property law, which was completely unknown at the time of the previous filing. My name is XXXX XXXX, and I am the court-appointed Administrator of my late mothers estate. I am filing this complaint to formally demand full monetary remediation and restitution from loanDepot for severe financial injury, predatory underwriting, and structural title manipulation. I have attached my finalized Surrogates Court petition, titled " PETITION TO VOID FRAUDULENT AND DEFECTIVE DEED XXXX XXXX '', which outlines the following federal and state violations : 1 The Legal Impossibility : As detailed in Paragraph 9 of the attached petition, the XX/XX/XXXX deed recorded by loanDepots closing agents is a structural legal impossibility under New York law. A valid XXXX deed had already established a strict Life Estate and Remainder Interest on the property. loanDepots agents manufactured a secondary deed attempting to force a " Joint Tenancy with Rights of Survivorship '' onto the title without my knowledge or informed consent. Because the parties held completely different, non-matching classes of property interests, a joint tenancy was legally impossible to create, rendering the instrument facially defective and void ab initio. 2 Admission of Predatory Underwriting : In its previous response to the CFPB ( Exhibit HH ), loanDepot formally confessed to this manipulation, stating : " loanDepot could not refinance a loan in which a non-borrower owned a life estate in the collateral property, so XXXX XXXX was advised that in order to proceed with the loan, vesting would need to be updated through the closing of the loan. '' This documents that the lender intentionally forced an illegal title change to meet investor guidelines, hiding the execution mechanics from a medically vulnerable consumer. 3 Direct Chain of Causation and Substantial Financial Damages : By recording an illegal deed, loanDepot clouded my title and completely paralyzed my finances. This title cloud directly caused the denial of a pre-approved {$100000.00} funding line through XXXX. Consequently, while homebound and recovering from four major XXXX XXXX XXXX, I was forced into predatory legal funding options, resulting in a verified contract payoff total of {$870000.00}. I am holding loanDepot fully liable for these consequential damages. I demand that the CFPB review this formal petition and force loanDepot to provide monetary restitution for the total destruction of my financial stability

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
Shellpoint took over my loan in XXXX of XXXX. This is the second issue I have had with their poor accounting. It took a previous complaint with your agency to fix their XXXX XXXX dollar error. Now I am getting mail stating my loan is in default. The paperwork details that I have missed my XXXX, XXXX and XXXX payments. I have not and of course bank records, and their own website confirms this. Since XXXX, every month, XXXX dollars has been automatically drafted from my checking account to shellpoint. My minimum payment is XXXX and I pay an even XXXX with extra going to principle. I called earlier and was told someone would look this over and get back to me next week. That is not good enough after receiving this threatening legal paperwork when they are the ones at fault. Please advocate for me again with this company. They are paid in full with extra principle. My balance listed on their account is grossly wrong. They have done some strange adjustments XX/XX/XXXX ( letter came XX/XX/XXXX ) and they have reversed payments or something, not sure but I do not owe as much as the balance currently states. Please see screenshot for details about XX/XX/XXXX drafting.

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 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: KS

Complaint narrative:
Received multiple emails trying to collect a debt that is not owed by me, and this email went to the XXXX folder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I learned of the debt and challenged it due to divorce where ex husband XXXX XXXX admitted to over {$100000.00} of credit card debt during deposition. These charges were made and concealed and I filed with the Supreme Court of XXXX in XX/XX/year> regarding this. Theres police reports, change of address proof and Im waiting on a decision from the court. PenFed said they would not sell or charge off the debt for 6 months allowing the court to handle this matter. They charged it off to XXXX which I learned of today. I have not heard from this company yet.

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