vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 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: GOLDEN 1 CREDIT UNION, THE
State: FL

Complaint narrative:
I am filing a complaint regarding Golden 1 Credit Unions handling of a disputed credit card transaction involving XXXX in the amount of {$160.00}. I disputed this charge after discovering a purchase for baseball tickets that I did not knowingly authorize or intend to purchase. I did not receive any benefit from this transaction, and the tickets ultimately expired unused without being redeemed, transferred, or utilized in any way. I initially attempted to resolve this matter directly with XXXX. XXXX advised me they could not assist and instructed me to dispute the charge through my financial institution. I then filed a dispute with Golden 1 Credit Union. Golden 1 denied the dispute based on information provided by XXXX. However, there are significant inconsistencies in the merchants documentation that were not adequately considered in the final decision. Specifically, the XXXX purchase confirmation indicates that the tickets were scheduled to be delivered to an email address that does not belong to me and is not associated with my accounts. This raises a serious concern that the transaction details do not accurately reflect my identity or intended recipient, and that the purchase may have been misdirected or improperly associated with my payment information. Additionally : The tickets were never redeemed, transferred, or used by me I received no benefit from the transaction The tickets expired unused I was not provided sufficient evidence demonstrating that I knowingly authorized this transaction I have proof that the tickets were never used as well as proof that XXXX confirmed the tickets would be sent to an email not associated with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
CFPB COMPLAINT MORTGAGE ( FHA LOAN ) Loan Number : Left Blank Servicer : Rocket Mortgage , LLC Loan Type : FHA Property Address : Left Blank Summary of the Issue : Rocket Mortgage has committed multiple servicing violations that prevented me from completing the FHA lossmitigation process. These errors include failure to provide required notices, failure to notify me of my Single Point of Contact, misrepresentation of FHA programs, improper closure of my Borrower Response Package, and discouragement from applying for assistance. Details of the Servicing Errors : Failure to Provide Required FHA Notices Rocket sent all lossmitigation notices only through encrypted email, which does not appear in the Rocket portal or mobile app. I was never notified that these documents existed. Failure to Notify Me of My Assigned Single Point of Contact ( SPOC ) Rocket assigned a Dedicated Loan Specialist on XX/XX/XXXX, but I was never informed. I continued speaking with random representatives who gave conflicting information. Submission of an Application Without My Knowledge A representative submitted a lossmitigation application on my behalf without informing me. I was not told what documents were required or that deadlines existed. Improper Closure of My Borrower Response Package ( BRP ) The BRP was closed due to missing documents, but I was never notified of missing items. The documents were not visible in the portal, and I had no access to upload anything. Conflicting and Inaccurate Information From Multiple Representatives Representatives gave contradictory guidance, including : Advising me to wait to apply until after XX/XX/XXXX Claiming partial payments were no longer accepted Stating my income may not be enough Discouraging me from applying and suggesting I sell my home Misrepresenting disaster eligibility Misrepresenting FHA COVID19 Recovery Options Removal of PartialPayment Options Without Notice Partialpayment options previously available in the portal were removed without explanation. Failure to Provide Accessible Communication All required documents were sent only through encrypted email, not through the portal or app. I did not receive any notifications. Discouragement From Applying for Assistance Representatives repeatedly suggested selling my home or borrowing from family, which violates FHA servicing standards. Hardship Background : My hardship is legitimate and documented. It includes : Medical complications following XXXX XXXX Extended XXXX and job loss Severe storm damage ( XX/XX/XXXX hail/windstorm ) Additional damage from Hurricane XXXX ( FEMAdeclared ) Reduced income while completing the CNL program

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I have received multiple emails regarding amount owed and to contact to make a payment. I am getting final notices and threaten to contact a lawyer. Theyre failing to send records of payment and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Dear Citibank Customer Service, I am writing to express my frustration regarding the process of obtaining my settlement letter after paying off my account on XX/XX/year> for {$3800.00} to cover a {$7200.00} debt. I was initially informed from collections that I needed to wait 15 days after payment was made for the settlement paid-in-full letter to be issued. During that conversation, I asked whether the letter would be sent automatically, and I was told that I would need to call back to request it. Over the past XXXX weeks, I have called multiple times to confirm the steps needed to receive this letter. Each time, I was told to wait 15 days and that the letter would be sent. However, when I called today, I was told there is no guarantee the letter will be sent, as there is no guarantee the account will be fully zeroed out by that time. This is unacceptable. I urgently need a settlement letter confirming that my balance has been paid in full for employment purposes. At this point, it feels as though I must continuously call back and follow up for something that should be an automatic process. Customers should not have to repeatedly check whether their account has been zeroed out or if their letter will be issued. I acknowledge that the account previously became delinquent and charged off, and I take responsibility for that. However, I have made the payment and fulfilled my obligation. I am now simply requesting the documentation reflecting that the account has been settled. Given the urgency of my situation, I am asking for your assistance and compassion in expediting this process. I should not have to continue calling daily for a letter I have already been requesting for two weeks. This delay is directly impacting my ability to secure a job, and I need this matter resolved immediately. I kindly request that the settlement letter be issued and sent to me as soon as possible. Thank you for your prompt attention to this matter. 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 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
XXXX XXXX XXXX is attempting to collect a false debt from XXXX for a total of {$40.00}. They claim that I owe {$15.00} with a fee of {$25.00} for a total of $ XXXX use a healthy benefits card to make my purchases online to XXXX for XXXX food which I pick up after purchasing. They have my account number. I did not ever give them my account number. I had to dispute this with my bank and they resolved my issue after a proper investigation. They are fishing for my information. This is the second attempt after my bank resolved my issue. Their information and address is, TXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX, Phone number XXXX. Here is there false Refrence # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: NC

Complaint narrative:
I made a purchase with my Cash App card on XX/XX/year> to XXXX XXXX. XXXX XXXX made me aware they do not accept Cash App. I called XXXX XXXX that same night and the order was canceled over the phone at XXXXXXXX XXXX I then placed the same order over the phone using a different card. The purchase was for {$150.00}. My refund was accepted by XXXX XXXX and posted on XX/XX/scrub>XXXX I was then told to give it 10 days and the refund should be back if not to contact Cash App which would have been XX/XX/year>, and I did. I provided information to Cash App where the order was canceled, and the email from XXXX XXXX where confirmation was stated it was processed and canceled. Cash App still has not refunded me my money and it is now XX/XX/year>, and Im still out of {$150.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: OK

Complaint narrative:
I am filing this complaint regarding my mortgage servicer, Lakeview Loan Servicing, concerning serious issues involving the handling of my escrow account and property taxes. My mortgage company failed to properly handle the payment of property taxes connected to my property. From my understanding, taxes were either paid incorrectly, applied to the wrong parcel, or otherwise mishandled. As a result, I was charged penalties, late fees, and/or placed in a negative position through no fault of my own. I have spent significant time attempting to resolve this matter directly with the mortgage company. Despite my efforts, the issue has not been properly corrected, and I continue to experience financial harm and stress because of their servicing errors. My concerns include : Failure to properly manage escrow funds Possible payment of taxes on the wrong parcel/property Improper assessment of late fees and penalties Failure to timely and adequately correct servicing errors Poor communication and lack of resolution despite notice of the issue I believe the mortgage servicer may have violated its obligations under federal mortgage servicing laws, including the Real Estate Settlement Procedures Act ( RESPA ), by failing to properly investigate and correct the error. I am requesting that the CFPB assist in ensuring the mortgage servicer : Conducts a full investigation into the escrow and tax payment issue Corrects any servicing errors immediately Removes any improper fees, penalties, or negative account impacts Reimburses me for damages or costs caused by these errors Provides a complete accounting of escrow payments and tax disbursements I have supporting documentation available, including mortgage statements, escrow information, tax records, notices, and written dispute communications.

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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NORTHWEST BANCSHARES INC
State: TX

Complaint narrative:
Northwest Bank Status as of XX/XX/XXXX : Closed Status as of XX/XX/XXXX : Pending Closed Status as of XX/XX/XXXX : Post No Debits Status as of XX/XX/XXXX : Uncollected Funds New Account Status as of XX/XX/XXXX : New Account Status as of XX/XX/XXXX : New Account No detailed information about my closed checking account was provided or why I received email dated XX/XX/XXXX about how a new checking account was being opening in my name..

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I am writing to file a formal complaint against Citibank regarding penalty interest rate that was applied to my credit card without adequate notice or transparency. I have been a long-standing Citibank customer and hold XXXX credit card accounts - a Citi AA XXXX and XXXX Citi AA XXXX XXXX XXXX Approximately XXXX year ago, following a single late payment in XXXX of XXXX, Citibank applied penalty pricing to my XXXX card, raising my interest rate from 29.24 % to 29.99 %. I was not clearly informed that this penalty rate had been applied, nor was I made aware of the conditions under which it would be removed or reviewed. As a result, I have been paying an elevated penalty interest rate for over a year on a balance of approximately {$35000.00} without my knowledge. This has cost me significantly more in interest charges than I would have otherwise incurred. When I contacted Citibank customer service to address this, I was told my accounts were " ineligible for retention '' without any explanation of what that means or what criteria determined that eligibility. One representative attempted to manually override the penalty rate and was unable to do so. I was given no clear path forward or escalation option. I have always intended to fulfill my obligations to Citibank and am actively working to pay down my balances. I am asking for fair and transparent treatment as a customer.

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 2026-05-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have a Bank of America card with XXXX XXXX miles and points, over XXXX points. Bank of America refuses to honor these points. The bank representative said it is not their card. I said it is their card and it says so on the card itself. He told me unfortunately the points have gone away. I said XXXX was an airline and you are a bank. XXXX did not issue this card. It was issued by Bank of America. It is fraudulent to put your name on a credit card and now claim it is not your card or 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 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: DE

Complaint narrative:
I tried to withdraw my money and they said I couldn't withdraw that much and I gave a lesser amount and they would not give it to me either

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 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a large payment on XX/XX/XXXX to clear a 0 % promotional balance that was expiring on XX/XX/XXXX. Under federal Credit CARD Act rules ( 12 CFR 1026.53 ), banks are legally required to route excess payments to an expiring promotional balance during the two billing cycles prior to its expiration [ 12 CFR 1026.53 ] .Instead, the bank 's automated system illegally misallocated my overpayment to a non-expiring balance transfer. Because of this systemic routing error, my XX/XX/XXXX statement closed with unfair, compounding interest charges applied to my account.When I called customer service today to dispute the interest, an agent tried to tell me this illegal allocation was " normal behavior. '' Another representative tried to force a 10-day delay for a " team resolution. '' Because a 10-day delay would leave my account exposed to further compounding interest, I pushed back and demanded a partial refund ( minus the minimum payment ) and a full interest credit. The bank then stated it would take 7 days to process the refund.As of right now, I see absolutely nothing pending in my account appno credits, no adjusted balances, and no written confirmations. I am filing this complaint to ensure federal regulators document this systemic payment-routing violation and hold the bank 's billing department accountable for fixing my balance retroactively to XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
After XXXX years of having a PayPal account in which I have used the account for tens of thousands of dollars of transactions, I was suddenly informed today that my account was permanently limited and that I am no longer able to use the service. No reason was given and no ability to appeal or seek information was given or offered. I do not owe money to PayPal and there are no outstanding transactions. If any further documentation was required, I would be happy to provide it, but have not been given an opportunity to resolve whatever the issues are, which have not been disclosed.I believe that PayPal should give a reason for permanent account closure where there is no recourse, and there should be some sort of appeal process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX Sequium Asset Solutions , LLC Description of Issue : I am filing a formal dispute regarding a flawed billing and debt collection matter involving XXXX ( Account ending in XXXX ) and their designated collection agency, Sequium Asset Solutions , LLC ( Reference : XXXX ). In XX/XX/year>, I repeatedly requested the cancellation of my XXXX internet services via the provider 's automated application chatbot. Due to system processing failures on XXXX 's end, the cancellation was delayed, resulting in un-authorized overlapping service charges into XXXX and XXXX, alongside an incorrect {$140.00} early termination fee. XXXX has my active payment credentials on file and historically processes automated monthly charges without issue. Rather than utilizing this payment methodwhich confirms internal systemic flags recognized this balance as a backend error rather than a consumer delinquencyXfinity immediately processed a " XXXX XXXX '' on XX/XX/year>. XXXX 's own official final statement dated XX/XX/year>, explicitly applies a - {$140.00} credit to the account, rendering the actual balance forward to exactly {$0.00}. Despite XXXX 's own internal billing ledger showing a {$0.00} balance, Sequium XXXX XXXX issued a collection notice dated XX/XX/year>, demanding payment for the unverified {$140.00} amount. Front-line Xfinity support has acknowledged the situation via XXXX XXXX but XXXX refused to recall the debt or escalate the case to a billing supervisor, falsely claiming they no longer have administrative access to the account. I will attach the Xfinity Disconnect Notice showing the {$0.00} balance forward, the collection notification from Sequium XXXX XXXX demanding payment, and screenshots of Xfinity Support refusing to recall this invalid debt.

Company response to consumer: Closed with non-monetary relief