vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am contacting you regarding a serious discrepancy between the retail installment contract I signed at the dealership and the contract currently held by Credit Acceptance. I have my original contract from the dealership, which includes only pages 4 through 6. The language, terms, and structure of these pages do not match the version Credit Acceptance provided to me. Their version contains pages 1 through 5 with entirely different language, including electronic signatures and initials that do not appear on my original contract and were never executed by me. To be clear : - My original contract from the dealership contains pages 46 only. - Credit Acceptances version contains pages 15 with different terms. - Their version includes electronic initials and signatures that do not exist on my copy and were not provided by me. - I never saw, reviewed, or agreed to the additional pages Credit Acceptance is relying on. This raises significant concerns regarding : - The authenticity and completeness of the contract assigned to Credit Acceptance - Whether pages were added or substituted after assignment - Whether my signature or initials were electronically applied without my consent - Whether the contract Credit Acceptance is enforcing is the same contract I actually signed I am requesting the following : 1. A complete audit trail for the electronic signatures and initials appearing on Credit Acceptances version. 2. A copy of the exact contract transmitted by the dealership at the time of assignment. 3. Written confirmation of how Credit Acceptance obtained pages and signatures that do not match my original contract. 4. An explanation of why the contract in Credit Acceptances possession differs from the contract I physically signed. Until these discrepancies are resolved, I dispute the validity and enforceability of the contract Credit Acceptance is attempting to rely on.

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX 2018 ).

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 2026-04-08 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding a dispute related to a rental car transaction and the associated credit card coverage that was not properly honored. On XX/XX/year>, I rented a vehicle from XXXX at XXXX XXXX XXXX. The rental was fully prepaid through Chase XXXX using my Chase credit card and rewards points, totaling {$390.00}. During the rental period, the vehicle sustained damage. XXXX later issued a damage claim in the amount of {$4100.00}. I filed a claim under the Auto Rental Collision Damage Waiver benefit associated with my Chase credit card ( Claim # XXXX ). This claim was denied incorrectly on the basis that the covered card was not used for the entire transaction. This is inaccurate, as the rental was fully paid through Chase XXXX using my Chase account. Any additional charges that occurred after the rental were unrelated post-rental administrative fees and not part of the original transaction. I submitted a formal appeal with documentation and made multiple attempts to follow up. I did not receive any confirmation or resolution. While this dispute remained unresolved, XXXX escalated the balance to a collections agency, creating financial and potential credit harm. This is effectively a dispute regarding a transaction that should be covered under the terms of my credit card benefits and has not been properly handled. I am requesting that Chase : Reevaluate and approve the claim based on the original transaction. Resolve the outstanding balance with XXXX. Ensure collections activity is stopped. Prevent or correct any negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express made statements to me about qualifying for reward bonuses on recorded lines and stated that the employee told me the wrong information. I've been with them for over XXXX years. Instead of standing by their employee 's statements they are standing by their employee 's false statements. This was a {$10000.00} flight. XXXX points were utilized and 35 % back for using AMEX 's XXXX XXXX only to be told sorry NOT SORRY is absolutely unacceptable. How is a consumer/customer to know when they are being told correct information or not. As a business you have to stand by your employee 's statements. This is misleading and deceptive at the least. Case number XXXX I opened an investigation on this issue! " XXXX '' ( XXXX ) the investigator admitted that their employee gave me the wrong information on the " recorded '' line. Admitted I was told what I thought I was receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting on my federal student loan account serviced by Aidvantage ( Account # XXXX ). This account was approved for loan forgiveness due to documented financial hardship, and the loan has been officially forgiven and closed. During the forgiveness process, Aidvantage agreed to remove or correct late payment reporting associated with this account as part of the account resolution. However, after reviewing my credit reports, I am still being inaccurately reported with multiple late payments, including but not limited to : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. These late payment entries are inconsistent with the agreed resolution of the account and do not reflect the corrective action that was promised during the forgiveness and hardship review process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am a victim of credit card fraud that happened on XXXX XX/XX/XXXX in XXXX, Illinois for the amount of {$3500.00}. I called Bank of America right away to report fraud and to cancel the credit card and also filed a police report on XXXX XX/XX/XXXX. Bank of America rejected my fraud claim on XXXX XX/XX/XXXX stating the card was used for the charges I called Bank of America right away on the day of the fraudulent charge, XXXX XX/XX/XXXX ( Thursday ) for specifically this reason that there was a credit card fraud and that I did not give anyone authorization to use my account or card. In spite of this, Bank of America decided to reject my claim on XXXX XX/XX/XXXX ( Tuesday ). There was police investigation for this kind of scam in XXXX, Illinois as many people got scammed in XXXX in a similar way. XXXX Police Department charged XXXX individuals for this. A XXXX search of " XXXXXXXX XXXX XXXX XXXX XXXX '' gives all the details. The fraudulent charge shows the company by the name of XXXX XXXX XXXX XXXX. The company and the address both are non-existent. There is no company by that name in XXXX Illinois. The address given for the company is also non-existent on the map. In spite of submitting all the documents and police report, Bank of America has denied my claims on XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and the last being on XXXX XX/XX/XXXX. The same reason has been given in all the denied claims that the card was used. I am a victim of XXXX XXXX XXXX XXXX and would like Bank of America to refund my {$3500.00}

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 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I have been in contract with Ameris Bank over the past XXXX months in an attempt to drop the PMI on my property. I purchased a home via a conventional mortgage with 5 % down. After a request asking them to do drop the PMI, they sent me a letter on XX/XX/XXXX stating that they will require 30 % of equity in the home before removing the PMI. My complaint is two-fold : 1 ) I can not find this 30 % requirement on any documents that I have signed ; and 2 ) Even if we find this document, I am opposed to this increased 30 % requirement when the norm is 20 %. The loan is a conventional loan that is owner-occupied ( not investment ), my XXXX XXXX at the time of closing was XXXX, and I have great financials. I had not been provided with copies of my mortgage documents at closing to take with me, and I certainly had no recollection of this 30 % requirement, so I asked Ameris WHERE in the documents this was found, and so an unsuccessful, four-month treasure hunt ensued : XXXX ) XX/XX/XXXX - PMI removal requested via online chat XXXX ) XX/XX/XXXX - Letter sent by Ameris purporting 30 % XXXX requirement XXXX ) XX/XX/XXXX - Conversation via online chat where I requested an explanation for why a 30 % XXXX is required and WHERE it might be. I was encouraged to call them, so I did and waited XXXX minutes for them to tell me they were unsuccessful. XXXX ) XX/XX/XXXX - conversation via online chat. the representative this time actually took the time to look herself. Unsuccessful again a half hour later. XXXX ) XX/XX/XXXX - I emailed their research department XXXX ) XX/XX/XXXX - research department sends deed and certificate of insurance. They sent me hundreds of documents and no indication of what I had asked them to provide. XXXX ) XX/XX/XXXX - I message them again to look, and again after XXXX minutes, I'm routed to the research department and told to wait some more. I am a transactional attorney who is no stranger to lengthy contracts. I poured over what they have sent me, then I ran it through a pretty powerful AI tool. In case helpful, I have attached it to this complaint. There is no mention of a 30 % XXXX requirement. Even if there was, why is mine different when the norm is 20 % when I took on an owner-occupied, conventional mortgage with XXXX credit score and great financials?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Regarding account number XXXX- we have an unnecessary hold on our account since XX/XX/XXXX. We have not been able to access our funds to pay our vendors. Our wire for XXXX & XXXX needs to be released immediately and our personal account off hold. Regarding Account XXXX -we have several disputes for wires that were disputed and we need our money returned immediately.We have also had a debit card ending in XXXX that was attached to another account and money was being taken. Also a bank teller put my deposit into a different account with card ending XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: SOFI TECHNOLOGIES, INC.
State: KY

Complaint narrative:
We have an account with SoFI On XX/XX/XXXX we had XXXX charges on our account From a XXXX # XXXX that XXXX says is in XXXX KY that we did not authorize. There were XXXX Charges that came out at {$280.00} each -XXXX of them. And XXXX more from XXXX # XXXX which I am told also XXXX these XXXX are both at {$180.00} that came out of account on XX/XX/XXXX. When we saw all XXXX charges as pending end of XXXX SoFi said they could not process as Fraud while they were still pending so once they came out of account, we filed a fraud claim. Today they came back with a XXXX you we are rejecting your claim. That was our rent money at end on month, and we had to take out a very high interest payment to make the payment. For XXXX thing we wer nowhere close o a XXXX XXXX in fact my wife was rear ended in an accident on her way home from work in XXXX and spent the afternoon in the XXXX emergency room XXXX unit. I finished a few items at work and went to XXXX. I am not sure the next process. File against SoFi again? or the XXXX stores that we do not know. Not only are we out the {$1500.00} but also the interest on a loan we should not have needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am submitting this complaint due to continued unauthorized activity and mishandling of my account. I previously paid this account in full and requested that it be closed. Despite this, the account was reopened without my knowledge or consent. Since that time, the creditor has continued to take actions on the account without my authorization. A subscription charge was placed on the account even though I never set the card up for any automatic payments and never received the physical card. As a result, a balance accumulated without my knowledge, leading to unfair and inaccurate reporting. Most recently, I was notified that my card was reported lost or stolen and that a replacement card is being issued. I did not request this action and do not consent to any continued activity on this account. This further demonstrates a pattern of unauthorized account management. Due to these actions, late payments have been reported on my credit profile that are a direct result of the creditors failure to properly close the account and prevent unauthorized activity.

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 2026-04-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FCI Lender Services Inc.
State: TN

Complaint narrative:
XX/XX/year>, spoke to XXXX he expressed they received my documents showing my bankruptcy was dismissed XXXX XXXXXXXX XXXX. He also said he saw a third-party authorization that was signed by me. I did a third-party authorization because I am XXXX XXXX XXXX, I must have assistance handling my business. He told me a Third party can not be authorized to send my bankruptcy documents for me. They have to come from the bankruptcy law firm or me. This lender has been hard to work with. I was told last year when I received mortgage modification approval XXXX, they could not help me unless I was out of the bankruptcy. They have been rude to me and unwilling to assist me and I feel it is because of my age.

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 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: GA

Complaint narrative:
Synergetic Communications has added a collection file to my credit report. I have never entered into any agreement or contract with Synergetic Communications. They have no right or authorization to furnish data to credit reporting agencies to be reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: TX

Complaint narrative:
XX/XX/year> order custom reef tank lights XX/XX/year> submit case to XXXX due to customs seizing the lights. XX/XX/year> open XXXX investigation. XX/XX/year> open dispute with America first credit union. XX/XX/year> America first denies dispute Effectively allow my money to be stolen from me with no product delivered. Seen as a Reg E violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
I have disputed this debt on my XXXX XXXX account multiple times starting in XX/XX/year> when I seen my credit was got for XXXX cards : XXXX and XXXX. I called the company in XX/XX/year> and asked for proof that i was the one who opened it up because i was living in ny and the cards were approved for an address on South carolina. I am the victim of identity theft as reported to the ftc and the nys attorney general. My identity has been stolen XXXX times in the last XXXX years and I've done my best to flag my credit bureaus and put freezes on them but sometimes they don't always verify. Someone stole all my info and used it to open up credit in my name charging XXXX of dollars to my credit report. I cant remember the dates or times because I have short term memory loss but I have written notes on what was disputed. This isn't my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: WLCC
State: MS

Complaint narrative:
On XX/XX/year>, I received an Adverse Action Notice from XXXX XXXX XXXX. The notice states that my application was denied based on information from a consumer reporting agency. However, the letter lists the Agency Name, Address, and Phone Number as 'N/A. ' This is a direct violation of FCRA 615, which requires creditors to disclose the identity of the reporting agency. Because of this 'N/A ' disclosure, I have been unable to exercise my right to a free credit report and unable to dispute any inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Solar Mosaic LLC
State: NV

Complaint narrative:
In XXXX of XXXX, my husband and I entered into a contract to get solar panels installed on our house. We got the panels installed by XXXX XXXX, located in Washington XXXX. XXXX XXXX directed us to use XXXX XXXX for financing. The total of the loan was around {$35000.00}. We were promised the loan was easily transferable to a new owner, as we are a military family, and knew we would be moving within the next couple of years. In the contract, it was also laid out how to transfer the loan. Shortly after, XXXX XXXX went bankrupt, and was bought by Solar Servicing LLC. Since Solar Servicing LLC took over, we moved out of state, and are now in the process of selling our home. ( XXXX, XXXX ) Since then, they have now stated they will not be transferring the loan ( or even considering it, the new buyer, anything ), not abiding by the contract we have. They instead recommended to put the balance on a credit card, or get a personal loan. They told us this information via their website, email, and phone call I made to the company. When I requested to speak to their loan officers or legal team, I was told that they " didn't have XXXX. '' When we got the loan, we were promised by the salesman and our contract that the loan was easily assumable, assuming the buyers were qualified to assume it. Solar Servicing LLC has refused to look at the buyer, consider a transfer, and has now stopped all communication with me. This will put me and my family in a hard position where we now need to pay the remaining {$24000.00} balance in full before our house can sell.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Square is holding my funds after completing a legitimate sale and has refused to release them despite no wrongdoing on my part. They stated funds may be held for up to 90 days, which is unreasonable and causing financial harm. I am requesting immediate release of my funds to my linked bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding the denial of a debit card fraud claim involving a XXXX XXXX transaction in the amount of {$1800.00} that occurred on XX/XX/year>. The transaction was made using my Wells Fargo debit card ; however, it was the result of a scam involving material misrepresentation and deception. I was misled into sending the funds under false pretenses. Although the transaction may appear authorized, it was not knowingly or meaningfully authorized due to fraud. I reported the issue to Wells Fargo, but my claim was denied. I am also unsure whether a written denial notice was ever properly provided, which raises concerns regarding compliance with Regulation E requirements. I am requesting that Wells Fargo : 1. Reconsider my claim under Regulation E, specifically regarding fraud by deception 2. Provide a written explanation of the denial, including the regulatory basis 3. Review all supporting evidence related to the scam I have also reported this matter to Cash App, which did not provide a resolution, and I am in the process of filing reports with the FTC and local law enforcement. This situation has caused financial harm, and I am seeking a fair review and resolution. Thank you.

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