vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 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: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am filing this complaint against Regions Bank regarding their failure to properly investigate an unauthorized transaction of {$1700.00} from a merchant named XXXX. This situation began when my debit card information was harvested by a fraudulent phishing website ( XXXX ). Shortly after, the unauthorized {$1700.00} charge appeared. Regions Bank initially credited my account but has since reversed it, claiming the transaction was " authorized '' simply because the merchant provided a tracking number. However, Regions is overlooking critical evidence of fraud that I have already presented to several representatives at my local branch : The Physical Impossibility : The official XXXX tracking for this " order '' shows a shipment weight of only XXXX lbs. It is a matter of basic logic that a {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX can not weigh XXXX lbs including packaging. The " Dummy Box '' Scam : This is a documented fraud where scammers ship near-empty parcels to a victim 's address to generate a " Delivered '' status. This tracking number does not prove I authorized a purchase ; it proves the merchant sent a fake package to bypass the banks automated security. Merchant Mismatch : I have no history with " XXXX. '' The original site that stole my data ( XXXX ) has since vanished, which is a hallmark of " pop-up '' scam operations. By ignoring the shipping weight discrepancy, Regions Bank is failing to fulfill its duty to conduct a " reasonable investigation '' under Regulation E. I am a long-standing customer and I am asking the bank to look at the physical facts of this case and permanently restore 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 monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Subject : Supplemental Complaint regarding NEW violation of RESPA 1024.36 ( Failure to respond to Request for Information ) and deceptive collection practices. Description : I am filing this as a supplemental complaint to XXXX # XXXX. I was advised by CFPB staff that new evidence and subsequent violations can not be added to an existing active case, and that a new filing is required to document continued servicer misconduct. This complaint concerns a specific and separate violation : The servicer, FourLeaf, has failed to provide a written response to a formal Request for Information ( RFI ) regarding a {$20000.00} discrepancy in my principal balance labeled as " New Money Advanced. '' Key Facts : The Discrepancy : Upon receiving loan modification documents, I identified an unexplained increase of {$20000.00}. My property taxes are paid via a separate primary mortgage, not this HELOC, making this " advance '' mathematically and legally unaccounted for. Acknowledgment of RFI : On XX/XX/year>, XXXX XXXX at XXXX acknowledged receipt of my email requesting an itemized breakdown. I was assured I would receive a phone call with this information. Deceptive Tactics : Since that acknowledgment, I have spoken with three separate representatives. None of these representatives had any knowledge of the itemized breakdown or the RFI. Instead, these calls were used exclusively as collection attempts to solicit payment on a balance they refuse to verify. Legal Violation : Under RESPA Regulation X ( 12 CFR 1024.36 ), the servicer is required to provide a written response. A series of collection calls that ignore the substance of the RFI does not satisfy this federal requirement. As of XX/XX/year>, the legal deadline for a substantive response has passed without the requested information being provided.

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 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: SC

Complaint narrative:
I have made several payments over the last year that were reversed without reason and the interest is continuing to accrue. On XX/XX/XXXX I made a payment of {$1200.00}. It was reversed. On XX/XX/XXXX I made another payment for {$1000.00}. It was reversed. I have a pending payment made today XX/XX/XXXX for {$1500.00}. I have enquired with Edfinancial as to why and have not heard anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent credit reporting by XXXX XXXX XXXX ( XXXX ) for account ending in XXXX. This account is currently being reported as a charge-off. However, my credit report reflects that there are zero late payments associated with this account. A charge-off status requires a history of delinquency, which is not being accurately or consistently reported in this case. I previously disputed this account with the credit bureau, and it was verified as accurate. However, no documentation has been provided to me to support this verification. I have requested, but have not received, the method of verification, including : A copy of any signed application or agreement A complete and accurate payment history Documentation showing that I authorized this account The name and contact information of the party who verified the account Under the Fair Credit Reporting Act, all information reported must be accurate, complete, and verifiable. The current reporting presents a clear inconsistency and raises concerns regarding compliance. This inaccurate reporting is negatively impacting my credit profile and my ability to obtain financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I requested a credit limit increase for my XXXX credit card via my online account managed by Comenity Capital Bank. The online disclosure stated that the bank " may '' need to access my credit report. This wording is ambiguous and fails to provide " clear and conspicuous '' notice that a hard inquiry ( which negatively impacts credit scores ) would be performed. I was never presented with a mandatory warning or a secondary confirmation screen stating that a hard pull was certain. I was notified of my approval via email on XX/XX/XXXX, but the bank never disclosed that they had hit my credit file. I only discovered the hard inquiry through a third-party monitoring service. On XX/XX/year>, I contacted Comenity customer service to dispute this. The representative could not provide proof of my informed consent for a hard pull and refused to provide a direct contact for their credit reporting department, instead directing me to a XXXX XXXX XXXX I believe this inquiry was obtained under misleading terms and lacks the informed consent required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: MI

Complaint narrative:
On XX/XX/year>, I used my Cash App debit card to purchase auto parts from XXXX XXXX totaling {$290.00}. The items I received were incorrect. The merchant acknowledged the issue and provided return labels. I returned the items, and the shipment was delivered and signed for on XX/XX/year> ( XXXX tracking available ). The merchant issued only a partial refund of {$71.00} and failed to refund the remaining balance of approximately {$220.00}. I contacted the merchant requesting a full refund, but they refused further action. I filed a dispute and appeal with Cash App and provided proof of return and delivery. Cash App denied both the dispute and the appeal and stated their decision was final. I am requesting reimbursement of the remaining balance and a formal investigation into both the merchants failure to issue a full refund and Cash Apps handling of the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am filing a complaint regarding Chimes handling of a fraud case. On XX/XX/year>, I was scammed into sending {$28.00} via Chime to another user ( $ XXXX XXXX XXXX The transaction was induced under deception by a fraudulent online business. I reported this to Chime and requested assistance, but I am not receiving adequate support or resolution. This is not a buyers remorse situation this is fraud. The recipient is actively scamming users, and Chime has the ability to investigate and take action on accounts within their platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I am submitting a complaint regarding denial of benefits under the Servicemembers Civil Relief Act ( SCRA ). My mortgage loan was executed on XX/XX/year>. My current period of XXXX XXXX began XX/XX/year>. I was not on XXXX XXXX at the time the loan was incurred. I had a break in XXXX service, documented by my XXXX XXXX and XXXX XXXX. The lender, PennyMac, denied my SCRA request based on XXXX data that reflects a prior period of XXXX XXXX and does not account for my break in service. I provided documentation showing my separation from prior XXXX XXXX and a new XXXX XXXX period after the loan date, but the lender has refused to conduct a manual review. I am requesting that the lender properly evaluate my eligibility under SCRA based on my actual service dates rather than relying solely on incomplete XXXX records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Complaint Summary : I am filing this complaint regarding two bill pay transactions sent from my XXXX XXXX XXXX account to a credit card with Bank of America that were deposited by Bank of America but never applied to my account. On XX/XX/year>, I initiated a bill pay from my XXXX account in the amount of {$4600.00} to my Bank of America credit card. I later discovered that I had entered the account number incorrectly when setting up the payment. After being informed by Bank of America credit card services that they had not received the payment for that billing cycle, I submitted a second payment in the same amount of {$4600.00} on XX/XX/year>, not yet realizing that the account number issue was the cause. I now have verification that both payments were successfully deposited by Bank of America. However, neither payment has been applied to my credit card account. I have contacted both institutions multiple times to resolve this issue. XXXX has stated that they are unable to retrieve the funds because the transactions are not considered fraud, as I authorized the payments, even though the account number was entered incorrectly. Bank of America has stated that XXXX must initiate the recovery of the funds. As a result, both institutions are directing responsibility to each other, and no resolution has been provided. It has now been nearly XXXX year since these transactions occurred, and I have not received my funds or a clear path to resolution. The total amount in question is {$9200.00}. I have documentation confirming that the funds were deposited by Bank of America and not applied to my account. Desired Resolution : I am requesting that the funds totaling {$9200.00} be located and returned to me or properly applied to my correct account. I also request that both institutions coordinate directly to resolve this matter rather than continuing to redirect responsibility.

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 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX we contacted Service Finance Company-spoke with XXXX ( representative ) to request a cancellation or appropriate adjustments of the remaining loan balance of {$32000.00} due to contractor XXXX XXXX who performed the work on our master shower in XX/XX/year> filing for bankruptcy and we have- -Significant misalignments in the shower installation resulting complications preventing proper installation of our master vanity through a new contractor. -There is also a raised/uneven step that presents a clear trip and safely hazard. -Losing our Lifetime Warranty due to company XXXX XXXX filing for bankruptcy. We were advised there would be a case sent to the resolution team and to follow up in XXXX weeks after paperwork they sent us was received. On XXXX XXXX we reached out again to Service Finance Company-spoke with XXXX ( representative ) to request a follow up on our dispute. Per XXXX XXXX representative her notes showed that the case was closed without any documented reason. Per XXXX XXXX representative ) she advised us that she was going to reopen the case again and to follow up in a week. On XXXX XXXX we reached out again to Service Finance Company-spoke with XXXX ( representative ) per notes account has been reviewed and that we will need to continue paying the loan due to the work being completed in XX/XX/year>. We advised XXXX- ( representative ) at Service Finance Company The contractor, XXXX XXXX who performed the work on our master shower in XX/XX/year>, has since filed for bankruptcy and is no longer in business. As a result, we have been left with incomplete, defective, and unsafe work, and no ability to obtain warranty service or corrections. There are significant misalignments on the shower walls as well as a raised uneven shower step that presents a clear trip and safety hazard as well as not having our lifetime warranty honored. Per XXXX he advised that he resubmit our dispute to the resolution team and to follow up once again XXXX XXXX. We have submitted a Formal Dispute on this loan with Service Finance Company on XXXX XXXX via email and certified mail due to defective work /Contractor bankruptcy for Refund and Account Resolution.

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 2026-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: SC

Complaint narrative:
i am trying to respond to complaint ID # - XXXX I CAN NOT FIGURE OUT HOW TO ELECTRNICALL XXXX DOCUMENTS YOU ASKED FOR XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IL

Complaint narrative:
I have been repaying on my XXXX XXXX XXXX for at least XXXX. ED financial services is missing 5 years of my history of loan repayment. It is showing my loan repayment starting on XX/XX/XXXX. Prior to XXXX Covid pandemic I had made many payments toward my loan one being a {$3000.00} payment. I am concerned about the amount of payments that are missing from this " government '' website payment history. I think the loan has switched from at least two loan providers one of them being XXXX. How do I go about getting my accurate history as I am trying to apply for XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM

Complaint narrative:
In XX/XX/year>, after a demand letter was sent by counsel regarding unresolved fraudulent charges totaling approximately {$35000.00}, Capital One took new action on my business credit card account. Shortly after that demand, Capital One placed the account into what was described as a cease and desist status. While the account remains open and usable for transactions, key benefits have been restricted. Specifically, I am no longer able to transfer rewards points directly to transfer partners or receive points into the account. Since that time, I have continued to actively use the card, accrue rewards points, and pay the balance in full each month. Despite this, the points earned can not be used as intended. The only available workaround is transferring points through a separate personal account, which reduces the value and functionality of the product. Capital One has not provided a clear explanation or contractual basis for these restrictions. A request for documentation was made, but I was informed it may take up to a month to receive it. The timing of these restrictions, immediately following a legal demand related to fraud, raises concerns that this action is retaliatory. The company is allowing continued spending while limiting access to earned benefits, which appears unfair and inconsistent with how the account is marketed. I am requesting restoration of full account functionality, clarification of the basis for these restrictions, and confirmation that such limitations are permitted under the governing agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am filing this complaint regarding a missing federal tax refund deposit that the IRS has confirmed was successfully deposited and accepted by my bank, PNC Bank. On XX/XX/XXXX, the IRS Wheres My Refund tool showed that my XXXX federal tax refund in the amount of approximately {$380.00} ( adjusted to approximately {$340.00} after XXXX fees ) was sent via direct deposit to my PNC Bank account. After not receiving the funds within the expected timeframe, I contacted PNC Bank multiple times ( approximately 23 times ). Each time, I was told that no such deposit was received and that there was no record of the funds. I then contacted the IRS directly. The IRS confirmed that : The refund was successfully issued The funds were deposited to my account on XX/XX/XXXX The receiving bank ( PNC Bank ) accepted the deposit Following this, I also contacted XXXX, as they were the third-party involved in processing the refund. XXXX confirmed that the funds were not held or delayed on their end and that the deposit was successfully sent forward to my bank. Despite this, PNC Bank continues to state that they can not locate the funds and has not provided me with a clear explanation, trace investigation, or resolution. At this point, I have made multiple good-faith attempts to resolve this issue directly with the bank. I am requesting that PNC Bank : Conduct a full ACH trace investigation into this deposit Provide documentation of where the funds were routed after being accepted Locate and credit my missing tax refund immediately As of XX/XX/XXXX I have spoken to a branch manager twice with no results. This situation has caused significant frustration and concern, as federal funds confirmed as deposited and accepted should not be unaccounted for. I am seeking prompt resolution and accountability. If this is not handled I will be seeking legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My home was auctioned off on XX/XX/XXXX. The mortgage company sent back my XXXX payment but where is my refund for XXXX & XXXX? From my searches, the mortgage company started foreclosure in XXXX so why did they cash my checks from XXXX previous months after that?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation