vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
After weeks of tracking this down with Selene, I went back to the owner, XXXX, to handle the refund that was automatically paid by my insurance company when the servicer ( Selene ) missed it. Selene never responded to my request with the proper information. XXXX said they would handle it, and now it is with XXXX, who did reach out on XX/XX/XXXX and knew nothing about this issue. XXXX said they would follow up on XX/XX/XXXX, and they did not. On XX/XX/XXXX, I was sent an email telling me it was handled per our conversation, and it was not. I emailed them back and left a message, and to date, there has been no response. I also sent a lengthy email asking for a point person to navigate this because the {$1200.00} for the insurance was sent to XXXX prior, with the proof of payment, so this wasn't paid twice. TO DATE NO ONE FROM XXXX HAS REACHED OUT TO ME IN ALMOST XXXX WEEKS. I also have a question about the ownership and access to my files, as they have said they are not the owner, but XXXX disclosed that they are. If they are not the owner, then why do they have access to my loan, and why are they continuing to work on this?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> They have been calling my phone number as well as calling my fiancs phone number how they obtain my fiancs phone number is still a mystery since I have no legal ties with him and they were harassing him using abusive language, and also harassing stating that they would be calling back and continuing to call, even though he had told them that he was not the person that they were looking for. This account was falsely open under my name..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On my Wells Fargo XXXXXXXX XXXX XXXX XXXX XXXX there were nearly XXXX unauthorized transactions between XX/XX/XXXX and XXXX. I reported them to WF on XX/XX/XXXX after I FINALLY received my first and only fraud alert email from them. The fraudulent transaction were all from some company I've never heard of nor done business with, called " XXXX XXXX. '' They all came from XXXX and XXXX ; XXXX places where I've never been. Wells Fargo is refusing to remove any of the unauthorized charges, which total almost {$14000.00}. I am NOT paying for fraudulent transactions, and Wells Fargo has tanked my one-excellent credit score. Please help!

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 2026-03-26 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: Coinbase, Inc.
State: GA

Complaint narrative:
I was fraudulently charged for XXXX total gift cards for XXXX XXXX XXXX in the total amount of {$4700.00} on XX/XX/year> on my Coinbase one XXXX credit card. I immediately reported the credit card has stolen as well as dispute of the transaction. Coinbase one initially provided a temporary credit. They reported after further review, the merchant of the credit card ( XXXX gift card ) provide additional documentation that supported the charges. They ultimately charged me for the full amount of {$4700.00} as well as the interest that accrued in that time period of 2 to 3 months that it took them to get back to me. Oddly enough the XXXX gift cards were shipped to my address. I contacted the parent company of XXXX gift card to inquire more about the transaction. They provided me with information that the cards no longer have a balance on them. I find this extremely odd and consistent with fraudulent activity as I still have the cards, but with no pin scratched off or expose. This is consistent with the funding being removed either externally or never put on the gift cards. I have filed an additional pill with Coinbase one but still have not heard any follow up to the appeal. I contacted them additionally today and they said they are still investigating, but can not provide me any resolution or additional response at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WA

Complaint narrative:
I am filing this complaint because U.S. Bank is refusing to refund {$100.00} in overdraft fees ( XXXX {$36.00} charges from XX/XX/XXXX ). The bank 's formal response dated XX/XX/XXXX, admits that I have been " opted out '' of overdraft coverage since XX/XX/XXXX. However, they claim the fees are valid because the transactions were " recurring. '' I dispute this logic. When a consumer opts out of overdraft coverage, the clear expectation is that any transaction exceeding the balance should be declined to avoid fees. The bank failed to clearly disclose that " recurring '' transactions would bypass my opt-out status. This is a deceptive practice that unfairly penalizes consumers who have explicitly requested not to have overdraft features on their accounts. I am requesting a full refund of {$100.00}.

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 explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: CA

Complaint narrative:
This grievance arises from a request for XXXX loans serviced by Selene. The request involved auditing the escrow accounts for accuracy due to numerous mistakes, such as incorrect balances, misallocated distributions, unpaid insurance, and unidentified or unreturned taxes across these XXXX accounts. After my initial call to Selene in XXXX 2026, during which time they were unable to provide any of the information I needed, I reached out to the broker. About a week later, my broker, XXXX, informed me that someone would be contacting me as per the owner, XXXX. On XX/XX/year>, XXXX XXXX from Selene reached out to me. I missed his phone call, but he also sent me an email. I replied to him, but did not receive a response. Following a few more conversations with XXXX, a manager from Selene contacted me on XX/XX/year>, to discuss my request. XXXX XXXX spoke with me and collected my information. She responded that same day with incorrect information, but did so using XXXX XXXX 's email address. I replied with my insurance brokers contact details, inquired once more about the refund for XXXX of the properties, and questioned why her email was coming from another employee 's address, a practice I find unusual. On XX/XX/year>, she replied with information that was not what I had requested. At this stage, I returned to Defy to escalate the matter with XXXX. I emphasized that XXXX of these loans were in the process of being sold or transferred, and that navigating this situation could become chaotic, given the poor communication to address it. As I anticipated, this has spiraled into a situation that has led to XXXX ADDITIONAL CFPB complaints involving XXXX, Selene, XXXX, and XXXX. The lack of follow-up and professionalism exhibited by both the owners and servicers is unacceptable. However, Selene initially managed these loans and failed to resolve the issues over the phone. They did not follow up, and since the loans were transferred, they have provided no assistance whatsoever. They continue to service XXXX of the XXXX loans, owned by XXXX, which has received no responses at all. The most troubling aspect of this interaction is the absence of any acknowledgment that my request was received and that they are addressing it. This issue extends to XXXX, XXXX, and XXXX as well, but it seems that Selene has simply transferred the XXXX loans and washed their hands of the matter, neglecting to fulfill a request for the XXXX loan they still manage. Loan # : XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am submitting this complaint regarding a late payment reported on my Capital One account from XXXX 2025, which is currently impacting my ability to qualify for a VA home loan . This late payment occurred during a temporary period of financial hardship. Since that time : My account has been brought current I have maintained consistent, on-time payments There have been no additional delinquencies This was an isolated incident, and my account has otherwise remained in good standing. I previously submitted a goodwill request directly to Capital One, which was denied. However, I am requesting a reconsideration due to the significant impact this single late payment is having on my ability to secure housing, despite otherwise meeting all loan qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
CFPB Complaint : CareCredit Account ending in XXXX I am filing this dispute regarding a {$2000.00} deferred interest charge applied to my CareCredit account ( ending in XXXX ) on XX/XX/year>2025. This charge was triggered when my promotional period expired with a remaining principal balance of approximately {$1200.00}. The resulting interest penalty is nearly double the amount of the debt itself. As a healthcare professional, I find these " interest trap '' tactics on a medical financing card to be predatory and poorly disclosed. I have maintained a consistent history of on-time payments. To demonstrate my good faith and commitment to resolving this fairly, I have already paid the remaining principal balance of this account in full. I attempted to resolve this through a supervisor at Synchrony Bank, but they refused to offer any assistance or executive review. I am requesting a XX/XX/XXXXtime executive courtesy waiver and a full refund of the {$2000.00} interest charge now that the original principal obligation has been satisfied. I believe the lack of a clear, prominent " lump-sum penalty '' warning on my statements reflects deceptive practices previously noted by the CFPB regarding this specific product ( Consent Order 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 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Flexible Finance, Inc.
State: TX

Complaint narrative:
Apparently I owe FLEX money when I paid the apartment directly the last money staying there flex kept trying to charge after my lease was up XX/XX/year> XXXX XXXX intrest feeXX/XX/XXXX XXXX This is my first notice ever

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: NEXA Mortgage, LLC
State: TX

Complaint narrative:
Nexa Mortgage, after the breaches included in complaint XXXX, and the increased cost not honored due to negligence of the XXXX XXXX XXXX XXXX XXXX not locking the rate at 6.99 %, violating statutes of limitations on the XXXX rule, and deceptive practices presented before. Now, after all the stress and a cost of 1.3 % over XXXX loan amount, and with a very devoted mortgage officer who took care of the file. XXXX XXXX XXXX, NEXA Mortgage LLC Dba AXEN Mortgage, and XX/XX/XXXX, the lender, who abused with pricing XX/XX/XXXX over the conforming type, and hiking the rate XX/XX/XXXX when the non-conforming mortgages were going up XXXX bps, gets the rate locked at a very high cost for the borrower, and all delivered XXXX weeks before while trying to close for the first time and with the authorized mortgage already in the XX/XX/XXXXdays after starting the period ofXX/XX/XXXXdays before closing, starts playing games asking for the same things delivered XX/XX/XXXXdays ago, which are all in evidence, and tries to change the agreed terms, after more than a month in the process with many violations already reported. XXXX XXXX tries to change the terms of a bilateral contract already formed, in evidence with offer, acceptance, and consideration in place, the high costs are already abusive, and she has started a fraudulent simulation in the name of NEXA and XXXX, intending to breach the formed contract, trying to excuse it by confusion to the loan officer by requesting things already on file with all the file completed and ready to close. These deceptive practices, by XXXX XXXX, NEXA Mortgage, AXEN Mortgage, and XX/XX/XXXX are evident in the previous complaint, the emails delivering all that she is asking again, while delivered XXXX weeks ago, TEXTS, EMAILS, and other documents, while trying to violate the terms, and which will be very expensive if not closed, due to compromises alredy programmed, after fullfilling all the requirements, and locking the rate setting the date for closing, and the abusive increase on the spread they will charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CO

Complaint narrative:
I discovered that I had a balance ( credit ) in an old, business CashApp account that I hadnt used since 2022 or so. Since it had not been used in so long, and I wasnt aware there was a credit, I closed the business and no longer have access to the business email address and phone number attached to the CashApp account. However, I have provided proof of ownership of the account, and CashApp customer support continues to try to troubleshoot access rather than disbursing the funds. Their system is not allowing the transfer because I cant access the old email or phone. They currently have a bank statement with my name and company name, address, bank account number attached to the CashApp account, articles of incorporation, my ID, and even a modification document for the LLC. There is no reason for them to keep the money ; they have all the proof they could possibly need.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>2024. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO SOUTHWEST CREDIT SYSTEMS THIS ACCOUNT IS FRAUD AND NOT VALID. XX/XX/XXXX THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT XXXX. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA XXXX ( F ) ( 15 U.S.C. XXXX PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME XX/XX/XXXX DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> They have been calling my phone number as well as calling my fiancs phone number how they obtain my fiancs phone number is still a mystery since I have no legal ties with him and they were harassing him using abusive language, and also harassing stating that they would be calling back and continuing to call, even though he had told them that he was not the person that they were looking for. This account was falsely open under my name..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a XX/XX/XXXX Best Buy credit card in connection with a large appliance purchase at XXXX XXXX approximately XXXX years ago. The promotional incentive was a 10 % rewards rebate totaling approximately {$2800.00}. My understanding at the time of purchase was that the 10 % rebate would remain available for use and did not expire. I was not made aware that I my rebate would be distributed as a reward certificate and that I needed to transfer those certificates to points in order for them to not expire, nor that failure to take this procedural step would result in expiration and complete forfeiture of the rebate. I recently learned that the rewards were forfeited due to non-issuance of certificates. While written terms may reference certificate mechanics, the requirement was not clearly conveyed in a manner that would reasonably alert a consumer to the risk of losing nearly {$3000.00} in earned rewards. This appears to be a structural design issue where a large promotional rebate can be entirely forfeited based on a procedural technicality that is not meaningfully emphasized at the point of sale. I attempted many times via customer service to get my rewards back. Every time I spoke with a Best Buy representative it seemed they intentionally make the call extremely painful to hope I would hang up. They would then say I need to contact XXXX XXXX since I purchased the appliances at that entity. Then I'd call XXXX XXXX and they would tell me to call Best Buy. I called Best Buy again who told me to call XXXX XXXX sending me down another rabbit hole. I told the representative to stay on the phone and I'd merge XXXX XXXX on the call. Once XXXX XXXX got on and they told me to call Best Buy, Best Buy 's representative hung up. Clearly it's a tactic to coerce the customer to just give up due to frustration. I then went to XXXX XXXX in person to have them call Best Buy directly. They could not get through to anyone. They submitted a request internally to request my rebate be reinstated, but I was denied. Lastly, I wrote an email to Citi Retail Services to the email XXXX and never received a response. I am requesting that Citi conduct a formal review and consider reinstating the rewards or providing an equitable adjustment.

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 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
In XX/XX/XXXX I submitted a XX/XX/XXXX Dispute to EdFinancial under 15 U.S.C. XXXX ( a ) ( XXXX ) disputing inaccurate late payment cXX/XX/XXXXes on XXXX federal student loan accounts. EdFinancial dismissed my dispute without proper investigation. I left school in XX/XX/XXXX. These accounts had no late payment history prior to XXXX. After the payment pause ended, late cXX/XX/XXXXes appeared on my reports without notice. I applied for deferment and IDR and was approved, confirming I qualified for protected status. EdFinancial failed to correct the reporting after approval. The inaccurate XXXX andXX/XX/XXXXday late cXX/XX/XXXXes remain on XX/XX/XXXX andXX/XX/XXXX. I am requesting EdFinancial correct or delete all inaccurate delinquency cXX/XX/XXXXes and transmit corrected data to allXX/XX/XXXX bureaus.

Company response to consumer: Closed with explanation