vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — VA mortgage
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: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I've called and called homeloanserv. I've attempted to contact them. I've sent a XXXX check and they accepted it and sent it back after telling me that was the balance. They didnt help with insurance. They sent a foreclosure notice within 3 days of attempting a sell. They just XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Radius Global Solutions. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Radius Global Solutions owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Radius Global Solutions to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
i have reached out to this finance company several times and asked for a voluntary repossession, as i was not able to keep up the monthly payments on time, also after trying to go into XXXX XXXX for debt repayment in XXXX XXXX XXXX that did not work well for me, i did all i could to avoid from further affecting my credit as i knew i could no longer afford the car payments. i immediately called & text nationwide acceptance llc representative -XXXX XXXX explaining my situation and asking for voluntary repossession- i have spoke with several representatives with no help. i have not heard nor received any calls or notice regarding payments. i reached out to Nationwide Acceptance, LLC today XXXXvia internet asking the steps of a voluntary repossession. o only to received an email from XXXX XXXX the manager stating tis matter is being handled through legal proceedings, after ignoring my several attempts to do a voluntary repossession, i then file a XXXX complaint in regards to no response of my request to voluntary repossession of vehicle, and not picking the vehicle up after it was past due payments as previously done. i asked for vehicle to be picked up soon XXXX XXXX bankruptcy was dismissed to avoid any further action taking, this company intentionally waited months only to take legal actions as i reached out way in enough time to avoid any legal actions taken, non of my balance has went down at no time. i would like this company to acknowledge my original request to pick vehicle up as previously asked in XXXX of 2026, i was even asked the address to pick the vehicle up, but no one never came, i was also asked if they needed to tow the vehicle, no one never came. i would like this company to acknowledge my original request to pick vehicle up as previously asked in XXXX of 2026

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 2026-06-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: NY

Complaint narrative:
XXXX XXXX try to play hardball I asked to close the account and return money too XXXX I have XXXX XXXX XXXX current mobile as my direct deposit I got XXXX money on my current mobile card end in XXXX as of XX/XX/year> XXXX XXXX said they won't close account kept hanging up on me when I inquire about it said it can stay on all the money or XXXX. XXXX for XXXX years please try to get money back too social security I'm owe rent up the wahzoo at XXXX we're I currently live

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Complaint Against : Navy Federal Credit Union On XX/XX/year>, I reported a fraudulent transaction of {$1000.00} to Navy Federal Credit Union. In response, Navy Federal froze my entire account, despite the fact that I have approximately {$8000.00} in available funds unrelated to the fraud. When I contacted Navy Federal, they informed me they could not issue a check or release any funds, even for critical financial obligations I have specifically, a down payment owed to a car dealership following a vehicle purchase made on XX/XX/year>. The complete account freeze is disproportionate to the {$1000.00} fraudulent transaction and is causing me direct financial harm and potential breach of contract with the dealership. Navy Federal has not offered any reasonable accommodation, such as a partial fund release or official documentation of my account status. I am requesting that the CFPB investigate this matter and require Navy Federal to : 1. Lift the full account freeze or issue a partial release of unaffected funds. 2. Provide official written documentation of my account balance and freeze status. 3. Ensure I am not penalized or held liable for financial obligations I can not meet due to their disproportionate account freeze. I am happy to provide supporting documentation upon request.

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 2026-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Hi, I made ~ {$40000.00} worth of involuntary payments towards my federal student loans during the COVID forebearance time period. I was not notified that I was eligible for a refund and this administrative error caused harm as I would have received the refund. XXXX account manager at nelnet id XXXX informed me that Nelnet would not have informed me and Federal Student Aid would have informed me. XXXX representative at Federal Student Aid case number XXXX informed me that federal student aid would not notify me and nelnet should have notified me. Id like to escalate this complaint and request a formal review and reconsideration of my refund eligibility. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: FL

Complaint narrative:
We use Square as a merchant processor XXXX without notice and immediately after having processed monthly payments on the Square account for the clients we service of over {$8000.00} Dollars I suddenly received an email stating that they are closing my account XXXX my funbds wil be held until XX/XX/year>. I contacted their customer service number XXXX spoke with a representative that is clearly out of the country who expressed the conversation was being recorded XXXX I reciprocted the notice for my safety XXXX support as well. Her reponse XXXX me after putting me on hold several times for several minutes that she does not have a reason for closire XXXX that they can do that at anytime. I expressed that how can ther be no reasoning behind the random XXXX sudden closure of my account aliong with the fact that if they had made thsi random decision XXXX close my account than why did they not just do so prior! Instead they made this decision without notice XXXX immediately after having processed cleint payments XXXX begin our month which the funds are used towards business related expenses such as payroll. She was not happy with the fact that I too had begun recording the conversation XXXX denied my request XXXX speak XXXX the alleged department that makes these random decisions or corporate XXXX XXXX give me answers XXXX release my funds as it is absolutely insane XXXX hold my processed client payments for over XXXX. It is also insane XXXX do such a thing without proper notification as we would have never processed our payments throught their network

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
For nearly a year, I have been unable to make payments on my OnePay credit card through the app. My linked bank account is permanently stuck in " manual review '' status with a message stating to check back in 24 hours. The issue never resolves on its own. I have contacted OnePay support multiple times and the issue has been escalated to multiple agents, none of whom have been able to identify or fix the root cause. The only workaround offered has been agent-assisted payments, which is not a permanent solution.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to I C System Inc. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving I C System Inc owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect I C System Inc to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

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 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Starting XXXX, I had XXXX cards with Citibank. In XXXX XXXX my credit limits were reduced. From {$19000.00} to {$4400.00} on XXXX card, from {$12000.00} to {$10000.00} ( just over the balance making my utilization maxed to 100 % ) on a second, and the third was left untouched. I had maintained on-time payment history, for XXXX and XXXX years respectively. The third card remained unused. XXXX. XXXX my limits were reduced again. To just above the balance. The reason? balance in relation to limit too high. <- a problem they caused by reducing the limits now twice. XXXX XXXX my limits were reduced again on all cards holding a balance to just above the balance held. Making my utilization 100 % AGAIN, then I was notified my account would no be renewed, for XXXX card XXXX, it was left reduced on XXXX, and XXXX was left unused and at its current limit. As soon as I used XXXX the limit was reduced from {$5600.00} down to {$620.00}, with no explanation or notification, after denying a legitimate charge I even called in to confirm. I have contacted Citi on several occasions and the only response I get is a generic balance too high in relation to credit limits.the problem they initiated. Despite more than a decade, of on time payments with both cards and a zero balance on the XXXX until XX/XX/XXXX. This has significantly affected my credit score and my relationships with other lenders, this is a corrupt, unethical, malicious and predatory practice, and Citibank should be held accountable for these predatory business practices. I have currently been placed on a likely indefinite hold by a supervisor, after asking a lower rep, to place me on with a supervisor 4 separate times, and requesting to file another direct customer complaint which was denied. The lower reps name was XXXX and he was absolutely awful to deal with, kept refusing my requests and talking in circles.

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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
MANDATORY DESCRIPTION AMENDMENT : COMPREHENSIVE FINANCIAL DATA BREACH & INSIDER EXPOSITION RE : Wells Fargo Case XXXX. XXXX & XXXX/ CFPB XXXX XXXX. XXXX STATUTORY FOCUS : 12 U.S.C. 5533 ( a ), 12 U.S.C. 5493 ( b ) ( 3 ), AND FEDERAL PRIVACY ACT DATA BREACH STANDARDS I am filing this description to explicitly reject Wells Fargos XX/XX/year> corporate deflection and to document a massive, multi-institution data breach involving coordinated insider manipulation. The bank has formally acknowledged the exact high-stakes asset dispute of {>= $1,000,000} on the federal record, yet they have issued an explicit written refusal to provide the backend ledger data required to verify it, claiming my transaction history is " proprietary and confidential ''. This is a direct, bad-faith violation of 12 U.S.C. 5533 ( a ), which mandates that a covered financial institution shall make available to a consumer, upon request, information concerning the financial product or service obtained. The bank possesses zero legal authority to classify a consumer 's own backend database trails as corporate trade secrets to hide internal asset routing. THE INSTITUTIONAL CROSS-BREACH MANIPULATION : This dispute is directly connected to a broader, systemic data compromise involving my student stipend disbursements from XXXX XXXX University ( XXXX ) and the connected clearinghouse logs of XXXX. Internal actors have actively manipulated my digital routing profiles across these overlapping platforms to siphon, redirect, and conceal my legitimate funds. By withholding the master system access trails, login IP histories, and backend routing analytics for accounts ending in XXXX and XXXX, Wells Fargo is actively shielding an insider threat and obstructing an ongoing fraud investigation. MANDATE TO THE CFPB : Under 12 U.S.C. 5493 ( b ) ( 3 ), the CFPB is statutorily required to facilitate a timely and complete response to consumer complaints. Accepting a boilerplate corporate letter that confesses to withholding mandatory data while closing this file is a failure of your regulatory directive. Furthermore, I am a protected individual maintaining active compliance files under federal oversight, including active cases with the U.S. Department of Education Office for Civil Rights ( OCR ) XXXX. The bank 's data suppression constitutes a hostile, retaliatory interference with a protected consumers financial stability. I demand that a senior CFPB supervisor immediately reopen XXXX XXXX. XXXX, bypass Wells Fargos 15-day automated stalling luxury, and issue a formal administrative subpoena to compel the immediate production of unedited master ledger records, XXXX cross-clearing logs, and system audit trails directly to this active file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: King of Credit Financial, Inc
State: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( inter # XXXX {$36.00} ) with {$34.00} XXXX {$200.00} deposit hold upon pickup at XXXX location # XXXX. This was made with my XXXX XXXX card ending in XXXX see attached. Upon arrival on the res day and time, I had to wait 1hour before getting my car confirmed, and the gas was at 1/2 tank. See attached image taken on that day. Returned rental on XX/XX/XXXX at the correct resolution time and was told by the very rude XXXX agent, that I was cleared to leave and would " receive the final invoice for the {$34.00} via email and in 5-7 days the {$200.00} deposit would be returned to my card. '' Later on XX/XX/XXXX, I receive the invoice via email with fraud charges for cleaning and fuel services for additional {$590.00}. Immediately called XXXX customer service XX/XX/XXXX at XXXX and spoke with XXXX who agreed there was no reason in the system for those charges and adjusted them accordingly. I did received the corrected invoice on XX/XX/XXXX see attached. However, I spoke with XXXX XXXX today XX/XX/XXXX and they are still showing a charge of {$230.00} from XXXX on XX/XX/XXXX. The customer service rep named XXXX told me she sees that the {$200.00} owed was attempted by XXXX as refund, but did not go through " because they have the wrong information. '' No further explanation. So I called Dollar back and all I was told is that " 7-10 days I should receive the credit to my account. ''

Company response to consumer: Untimely response
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Jon Barry and Associates, Inc.
State: SC

Complaint narrative:
Paragon Revenue Group is violating the Fair Debt Collection Practices Act ( FDCPA ) XXXX the CFPB Debt Collection Rule by placing excessive, harassing phone calls XXXX my personal number from XXXXTimeline of Events : I have been receiving repeated, automated robocalls from Paragon Revenue Group XXXX their outbound number : XXXX frequency of these calls has reached up XXXX XXXX times in a single day, which constitutes illegal harassment under federal law.Impact : This extreme volume of daily automated calls disrupts my life XXXX serves as intentional consumer harassment. I demand that they stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Since the first week of XX/XX/year>, I have been dealing with an issue involving JPMorgan Chase Bank related to a {$13000.00} life insurance check issued by XXXX. I went into a Chase branch in XXXX, Maryland with my younger brother, who had just turned XXXX, is still in XXXX school, and does not have a bank account. He received a legitimate life insurance check after the passing of his father, and he endorsed the check over to me so I could deposit it into my account. At the branch, the employees did not initially reject the check themselves. However, they contacted Chases fraud department by phone, and the fraud department stated that the check was not legitimate. This was confusing and concerning, because the check was valid. After further review and verification with XXXX, it was confirmed that the check was legitimate. Despite this, Chase still refused to process the check, claiming that the endorsement/signature did not look correct. Following this, Chase closed my account and placed a hold on the funds. I was not provided with a clear explanation for the account closure or given a clear path to resolve the issue. I returned to the branch and filed two complaints, including one that was submitted with the assistance of a teller who attempted to help during the transaction. Despite these efforts, the issue remains unresolved, and the funds are still being withheld. This situation has caused financial hardship and unnecessary XXXX during a very difficult time for my family. I believe the bank improperly handled a verified legitimate check, relied on conflicting internal determinations, and unfairly restricted access to funds without clear justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX, I went to a dentist to have some new dentures. Care Credit/Synchrony Financial paid for the dental work. For a month and half, I have never received a bill from the dental procedure that was done. I tried to call Care Credit/Synchrony Financial . However, since none of the options fit of what I wanted to talk to Care Credit/Synchrony Financial about not getting a Care Credit bill in the mail. The AI receptionist automatically said " Thank you, Goodbye '' and hung up on me.

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