vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing a complaint regarding the handling of disputes with Navy Federal Credit Union for purchases made from XXXX XXXX involving both a debit card and a credit card transaction. The first purchase, approximately {$870.00}, was for curly hair bundles advertised as high-quality curly human hair. After installation and normal use, I discovered the product was not as described. The hair tangled excessively, did not hold a curl, and behaved like low-quality or synthetic hair rather than the advertised texture and quality. Because the issue could only be discovered after installation, I later purchased a matching closure for approximately {$240.00} on my credit card expecting the same quality and consistency. This created additional financial loss tied to the same misrepresented product. I contacted the merchant directly, but they denied a refund based on the product being used, even though installation was necessary to discover the defect. I filed disputes with Navy Federal under product not as described, but the disputes were closed with the explanation that recovery of funds from the merchant was unsuccessful, rather than a fair review of whether the product materially differed from what was advertised. I am requesting a proper review of both disputes, as this is not buyers remorse but merchandise that was not as described and defects that could only be identified upon normal use.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
CFPB Complaint ( Not My Debt - Request for Deletion ) Company : Fair Collections & Outsourcing ( FCO ) Issue : Incorrect information on credit report / Attempt to collect debt not owed I am disputing a collection account that Fair Collections & Outsourcing is reporting on my credit file. This debt does not belong to me. I have never had an account with the original creditor, and I have never authorized or agreed to any debt that FCO claims to be collecting. This account appears to have been sold or transferred to FCO without proper verification or documentation. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am requesting that FCO provide complete validation, including : Proof that am the correct consumer A copy of the original signed agreement A full itemized breakdown of the alleged balance Chain of custody showing how the debt was acquired Since this debt is not mine, FCO is reporting inaccurate information to the credit bureaus. This is a violation of FCRA 623. I am requesting that this collection account be removed from all credit bureaus ( XXXX XXXX XXXX XXXX ) and that all collection activity stop immediately. Please investigate this matter and provide documentation proving the validity of this debt. If FCO can not provide proof, the account must be deleted.

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 2026-04-24 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: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/year>, I initiated a {$100000.00} principal curtailment on my mortgage, which was successfully posted on XX/XX/year>. Based on the lenders communication, my mortgage recast was expected to be processed in a timely manner, with an anticipated effective date around XX/XX/year>. However, the process has been significantly delayed due to errors on the companys side. The modification documents initially provided were outdated and did not reflect my current loan balance. I raised this issue on XX/XX/year>. On XX/XX/year>, the company acknowledged that the records would be updated and that corrected documents would be issued. Despite this, no updated or accurate documents were provided. As a result, I was unable to proceed with signing the modification agreement or completing the recast process. Instead of resolving the issue, I was later informed that my recast request had been closed and that I would need to resubmit a new request, effectively restarting the process. Throughout XX/XX/year>, I made multiple follow-ups, including escalation emails on XX/XX/XXXX and XX/XX/XXXX. I was informed that a manager was reviewing the case, but no resolution was provided. The company ultimately closed the request without correcting the underlying issue or allowing me to complete the process. Due to this delay, I have been required to continue making payments under the pre-recast structure, which are significantly higher than the expected post-recast payment. This has caused an avoidable financial burden and reduced my ability to manage my cash flow as originally planned. I requested updated modification documents, confirmation of the recast timeline, and clarification on next steps, but the company failed to provide the necessary information to move forward. This issue reflects a breakdown in servicing and process handling. I am seeking for the original recast request to be honored without requiring resubmission, and for the company to address the financial and operational impact caused by the delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I am filing a complaint regarding Affirms handling of my dispute related to a defective engine purchase. On XX/XX/year>, I purchased an engine for {$4100.00} through Affirm. The merchant provided pre-sale guarantees that the engine had XXXX miles, was fully tested, and that major issues and labor would be covered under warranty. The engine was delivered late and, upon installation on XX/XX/year>, was immediately found to be defective. The mechanic identified serious issues, including diagnostic code XXXX, oil pressure problems, and fluid leakage. The vehicle is not drivable. I reported the issue to the merchant on XX/XX/year>. Instead of honoring their warranty, the merchant refused to provide a replacement or refund and instead offered a return with a 35 % restocking fee while refusing to cover labor costs. The merchant also later admitted the engine came from an auction and provided questionable test results that appear inconsistent with the actual condition of the engine. The actual mileage is significantly higher than promised. Additionally : The receipt was not provided at the time of purchase and was only sent on XX/XX/year> The merchant offered only {$200.00} as a goodwill payment The merchant applied pressure and referenced legal action instead of resolving the issue I filed a dispute with Affirm, which has now been denied twice. Affirm has failed to : Provide a clear explanation of the denial Provide the merchant evidence used to make the decision Address the documentation I submitted Affirm continues to hold me responsible for the full amount despite clear evidence that the product is defective and not as described. I am requesting a full review of this case, an explanation of the dispute decision, and disclosure of the merchant evidence used. This situation raises serious concerns about the fairness and transparency of Affirms dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Deposited XXXX XX/XX/XXXX showed in account XXXX was placed on hold. It was kkept on hold and declared suspicious XX/XX/XXXX. It was kept on hold but then I was told they were closing my account. When I inquired as to my funds they said they would send mr a check to my address the day they closed the account. This did not happen and they said they were still investigating. In a subsequent call they said originator of check had to ask his bankXX/XX/XXXX request the check for himself. XXXX XXXX. This was done with XXXX XXXX XXXX relations XXXX. She contacted BOA day after day without results. I again called bank to inquire and they said XXXX claims department would have to contact BOA claims department to request check. I asked what information would be needed and was told no forms or account numbers needed. Presently in the procesd of trying to do this process. When I asked when we would get the money they said it can take a long time to finish the investigation of the suspicious check. I would like your help in recovering my XXXX XXXX XXXX BOA customer XXXX XXXX NC XXXX i asked about what department they were in at BOA and they said they were not part of BOA corporate

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 2026-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing a formal complaint against Freedom Mortgage regarding an incorrect escrow analysis that has resulted in a significantly inflated shortage and an unaffordable mortgage payment increase. My current mortgage payment is {$1100.00}. Freedom Mortgage is projecting a new payment of approximately {$1900.00} based on an alleged escrow shortage of {$6100.00}. This shortage is inaccurate and unsupported by my verified escrow records and insurance documentation. Verified Escrow Reconciliation ( XXXX ) : Beginning escrow balance : {$820.00} Deposits : {$3100.00} Disbursements : {$8100.00} Ending escrow balance : {$4100.00} ( SURPLUS per official statement ) This confirms my escrow account ended XXXX in a positive position, not a deficit. Freedom Mortgage is using an incorrect homeowners insurance amount of {$1900.00}. My actual annual XXXX homeowners insurance premium is {$1500.00}. This results in an overstatement of $ XXXXIn addition, a separate {$430.00} insurance-related disbursement appears on my account without a clear explanation.When applying verified data : Ending XXXX escrow balance : {$4100.00} Plus credits owed : {$1800.00} Adjusted escrow balance : {$5900.00} XXXX projected disbursements : Property taxes : {$3700.00} Homeowners insurance : {$1500.00} Total : {$5300.00} This results in a positive escrow position of approximately {$670.00}, not a shortage. My only income is XXXX XXXXXXXX of {$2500.00} per month. The increased mortgage payment of approximately {$1900.00} is unaffordable and places me at risk of financial hardship. I am requesting : A corrected escrow analysis using accurate insurance premium ( {$1500.00} ) Application of all escrow credits totaling {$1800.00} Correction of the escrow shortage calculation Revised monthly mortgage payment based on accurate escrow data Written explanation of the {$430.00} insurance-related disbursement

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 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My refinance has been in the process for over XXXX days, mostly due to waiting for a HUD subordination agreement. We finally got the approval and was waiting on the Underwriter. She said she needed to update the loan amount and reissue a CD which when then cause another request to HUD to update the subordination agreement. The underwriter sat on the file for XXXX days before updating the loan amount. The CD was issued and it was incorrect. They were told several times that the HOI was already paid and to remove it from the CD. Due to the Underwriters XXXX day delay, my broker and to submit a lock extension. We finally got the approval from HUD with the new loan amount and sent back to Underwriting to source assets. They didnt like the sourcing on a bill of sale so we had to figure out a different route for the cash to close. We got everything the Underwriter needed within a day. My broker and I advised them several times that this was urgent. My XXXX mortgage payment was made, using those funds for closing. I was supposed to sign already and now nobody at the company is responding to my broker or myself. Now, we had to request another lock extension which is taking away all the lender credits i received and I am still not closed. We are not getting any answers and now I will have a XXXX day mortgage late. I called the Manager and he said he couldnt speak with me cause he isnt licensed. We have tried escalating and going nowhere and have no idea what is going on. I told them I am not paying for anymore lock extensions and I want them refunded back. No word. Silence

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 2026-04-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
* * Formal Complaint Improper Retention and Failure to Apply Refund * * * * Against : Honda Financial Services * * I am submitting this complaint regarding the handling of funds by Honda Financial Services in connection with my auto finance account. I canceled a service contract associated with my vehicle, which resulted in a refund being issued. That refund was sent directly to Honda Financial Services for the purpose of being applied to my account. Honda Financial Services has confirmed receipt of these funds. Despite acknowledging receipt, Honda Financial Services has refused to apply the refund to my account balance and has instead stated that the funds will be held until the loan/lease is paid in full. This position is improper and raises serious concerns. The funds in question were remitted specifically to reduce my outstanding financial obligation. By retaining the funds without applying them to principal or otherwise crediting my account, Honda Financial Services is effectively withholding funds that belong toward satisfaction of the debt. This may constitute : * Failure to properly credit payments in a timely manner * Unfair or deceptive acts or practices under applicable consumer protection laws * Improper handling and retention of borrower funds To date, I have requested clarification and supporting documentation from Honda Financial Services identifying any contractual provision that authorizes holding such refunds without application to the account. No such provision has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Novo Platform Inc.
State: MI

Complaint narrative:
The current balance in the account is approximately {$14000.00}. These funds are critical for my business operations. Since the account was frozen, I have contacted the company 's support team multiple times to resolve the issue. However, I have not received any clear explanation for why my account was frozen. The support representatives have stated that they do not have information about the reason for the freeze and are unable to provide any timeline for when the account will be restored. As of today, more than two weeks have passed, and I still have no access to my funds and no clear communication from the company. I am requesting : A clear explanation for why my account was frozen Immediate access to my funds Or a specific timeline for when my funds will be released The lack of transparency and prolonged restriction of access to my business funds is causing significant disruption to my operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Opted out of all overdraft services and my account is still getting charged/overdraft. This is the 2nd time Ive had this problem. They are not wanting to give me a refund or help solve the problem. I have email confirmation regarding my services being turned off /opted out.

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: TN

Complaint narrative:
The problem I am having with Robinhood credit card is the predatory tactics they are using regarding a bait and switch. On XX/XX/XXXX, I made a payment ( XXXX $ ) on XXXX ( which is a bitcoin mining app, that lets you buy bitcoin mining power without owning the equipment ) the payment went through and I received my points. I made another payment on XX/XX/XXXX ( XXXX $ ) which went through as well and I received my points. On XX/XX/XXXX, I made another payment ( XXXX $ ) which went through but I did not receive any points. Which I obviously understand why the company would do that and I am fine with. On XX/XX/XXXX, I made another payment for XXXX $ which went through but now the company considered it a cash advance and charge me over XXXX $ in cash advance fees without warning and will be charging me interest. The problem I am having is the bait and switch tactics they are using. There is no transparency to how transactions are coded. They bait me with the points and now are trying actively to screw their customers. My interaction with their customers support was completely useless for the lack of a better term. The support agent refused to identify herself or give an explanation regarding the bait and switch. They send over a follow up email to me with no explanation and with broken English. I can clearly see the email is a copy and paste. Its laughable how terrible the service is. Another problem is that, if the company considers this a cash advance. Then how come I am only allow XXXX in cash advance but they would let me do XXXX $ no problem without any information letting the customer know this is considered a cash advance. It is insane how predatory and scummy how this company is operating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a complaint against Chime/XXXX XXXX XXXX regarding the denial of my unauthorized transaction dispute involving 12 disputed transactions totaling {$160.00}. The unauthorized transactions included charges from XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, and XXXX XXXX occurring between XXXX and XX/XX/year>. I did not authorize these charges and disputed all 12 transactions with Chime. My original dispute was denied. I then reopened the matter and submitted additional documentation, including a police report, yet the dispute was denied again. I have been attempting to recover these funds for over a month. I am concerned Chime denied my claim multiple times without adequately proving the transactions were authorized or conducting a reasonable investigation, despite reconsideration and supporting documentation. I am requesting reopening and reinvestigation of the denied claim, reimbursement of the {$160.00} disputed funds, and review of whether Chime complied with Regulation E obligations regarding unauthorized electronic fund transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation