vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I am filing a complaint against Hancock Whitney Bank regarding the freezing of our joint personal bank account and withholding of funds without adequate communication or timely resolution. Approximately XXXX business days ago, a legitimate XXXX deposit exceeding {$23000.00} was sent to our joint personal account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The funds were related to lawful tax preparation fees earned by my wife through her registered tax preparation business. Immediately after the deposit, Hancock Whitney Bank froze our account and restricted access not only to the deposited funds, but also to personal funds that were already in the account prior to the deposit. Since then, we have repeatedly contacted the bank seeking information and resolution. Every time we call, we are only told that the account is under investigation, but no one will provide any meaningful updates, written explanation, estimated timeline, or instructions regarding what additional documentation may be required. My wife operates a legitimate tax preparation business and possesses all required credentials and documentation, including : * XXXX Number * XXXX Number * Federal Tax ID Number * Articles of Organization filed with the Secretary of XXXX * ACH tracking number confirming the deposit from XXXX XXXX XXXX XXXX We are fully prepared and willing to provide any requested documentation to verify the legitimacy of the funds and business operations. However, Hancock Whitney Bank has failed to communicate clearly or resolve this matter within a reasonable timeframe. The freeze on our account has created significant financial hardship because we have been denied access to all of our money, including funds unrelated to the deposit under review. I am requesting CFPB assistance to obtain : XXXX. A written explanation for the account freeze XXXX. A clear timeline for the completion of the investigation XXXX. Immediate review and release of non-disputed personal funds already in the account prior to the deposit XXXX. Prompt verification and release of the deposited funds if no fraud is found XXXX. Improved communication from Hancock Whitney Bank regarding the status of this matter I believe the banks prolonged restriction of our funds without transparency or reasonable access to information is unfair and harmful to our household.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am filing a complaint against Capital One regarding a {$1000.00} dispute, claim number XXXX XXXX XXXXXXXX. The charge was for an XXXX program that I believe was fraudulent, misrepresented, and not provided as promised. The merchant did not provide the promised legitimate XXXX service, did not provide a finalized signed contract, did not provide a clear refund policy, and did not prove the service was properly delivered. I disputed the charge with Capital One and requested the merchant evidence packet, including the merchant name/contact information, proof of service, contract, refund policy, and documents used to deny my dispute. Instead of providing the correct evidence, Capital One sent me another customers bank statements. This appears to be a serious privacy/security issue and raises concerns that my dispute was not properly investigated. I am requesting that Capital One reopen and reinvestigate the dispute as fraud, services not rendered, and misrepresentation ; refund the full {$1000.00} ; provide the correct merchant evidence packet ; investigate the privacy breach ; give me a written incident/case number ; and confirm whether my personal information was disclosed to anyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
XXXX from the PennyMac loan team was acting on behalf of PennyMac Loan Services regarding my account. Based on that communication, I signed the final disclosure on XX/XX/year>. I was told by XXXX that the transfer tax fee had been removed, and she also scheduled escrow to come to my home on XX/XX/year> at XXXX XXXX. I repeatedly asked for confirmation that everything was finalized, and she advised me that I only needed to sign in order to proceed with closing. However, I am now being informed that the title company has confirmed the transfer fee can not be waived. If the transfer fee can not be waived per the title company, then the information provided by your loan team prior to signing was incorrect and has created a material discrepancy in the loan process. I relied on that information when signing the disclosure. I asked them to please clarify why this change occurred after I signed, and how a key fee issue was not properly verified before I was instructed to proceed with closing. Additionally, I asked them to please provide copies or access to the final disclosures I signed on XX/XX/year> and XX/XX/year>, as I am currently unable to locate them. It disappeared on the website. I would like to ask PennyMac LoanTeam : A written explanation of this discrepancy Confirmation of the correct final closing figures Copies of the signed disclosures referenced above The resolution options available to correct this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
Feel that I am getting over charged and ripped off

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: AL

Complaint narrative:
On XX/XX/year>, I initiated a return of items purchased from XXXX. XXXX 's refund tracking confirms the refund was credited on XX/XX/year> in the amount of {$69.00} {$59.00} to my Chime debit card and approximately {$10.00} to an XXXX gift card balance. I monitored my Chime account balance closely from XX/XX/XXXX onward and the balance never reflected the refund credit. When I contacted Chime, the representative initially stated the credit was applied on XX/XX/XXXX. When I pointed out that XXXX 's own tracking shows the refund was not issued until XX/XX/XXXX, the representative changed the date to XX/XX/XXXX. I have XXXX 's refund confirmation screenshot showing all XXXX stages Initiated, Dropped Off, Refund Issued, and Refund Credited with the final credit date of XX/XX/XXXX. No corresponding credit appears in my Chime transaction history. I am requesting that Chime produce the actual transaction record with timestamp for the credit they claim was applied, and that they post the missing {$59.00} credit to my account if that record does not exist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I bank with CHIME and my account is under XXXX XXXX ( https : //www.chime.com/ ) and I was defrauded by XXXX XXXX claiming XXXX XXXX a supervisor for a fake company called XXXX XXXX XXXX XXXX XXXX XXXX that XXXX XXXX send {$3500.00} to XXXX XXXX for the equipment needed for a remote customer service job I was offered. I said ok, let me start with {$500.00}. I hesitantly sent {$500.00} to XXXX because XXXX started pressuring me. However, I discovered the next day that XXXX and XXXX XXXX XXXX was fraudulent. I requested that XXXX sends me my money back and whoever is behind the account keeps declining my request. I called Chime and complained demanding they conduct an investigation and retrieve my funds and they said there is nothing they can do. It is unfair that CHIME would let a criminal bank with them, but CHIME would not help an innocent customer retrieve her funds, mine is {$500.00}. Some background information : Here is the website : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 's XXXX XXXX teams is XXXX and his " XXXX XXXX 's '' is XXXX The HR email for " XXXX XXXX XXXX '' is XXXX " XXXX XXXX '' XXXX XXXX that I send money through XXXX to XXXX XXXX, but luckily XXXX XXXX declined XXXX XXXX, I used Chime to send the {$500.00}. Note : " XXXX '' also requested I send XXXX gift card of {$500.00} to equal {$3500.00}, I hesitantly sent {$500.00} in XXXX gift card. At least XXXX was professional enough to investigate the whereabouts of the card and halt the use of the XXXX gift XXXX, unlike Chime Bank that did not even care enough to investigate and retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing a new complaint because Affirm 's offshore support is unable to resolve a clear merchant error. I returned a {$400.00} purchase to XXXX XXXX via XXXX within 24 hours of receipt, and the merchant has confirmed delivery. Today, the merchant emailed me for the sixth time admitting they owe me the refund but state their system is blocked by a 'chargeback ' error caused by the open Affirm dispute. The merchant/XXXX XXXX tried to bypass this by improperly offering a XXXX refund , which I refused because it leaves my Affirm loan active. Affirm 's dispute department refuses to speak with me, leaving me trapped with a fraudulent {$400.00} loan for merchandise I do not possess. I demand Affirm manually accept the merchant 's admission of fault, communicate with the merchant 's portal to clear the transaction, and close this loan permanently. This has been going on for over 60 days. XXXX XXXX does not have a phone number. I sent a previous complaint last week about XXXX XXXX and now Im sending a formal complaint about Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I am filing a complaint regarding unauthorized debit card transactions that were processed by Huntington Bank while my debit card was locked through their banking system/app. The purpose of locking a debit card is to prevent transactions from being authorized, yet Huntington still allowed purchases to go through despite the card being in a locked status at the time. As a result of these transactions being approved, my account became overdrawn and I was charged overdraft fees. I do not believe I should be held responsible for fees caused by transactions that should have been blocked while the card was locked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
Follow-Up Complaint Incorrect Mortgage Payoff Handling Resulting in Additional Payment This issue remains unresolved despite my prior CFPB complaint ( Complaint ID XXXX ) and submitted feedback. I am filing this follow-up complaint regarding the mishandling of my mortgage payoff process, which resulted in an unnecessary additional payment of {$2300.00} being withdrawn from my account. Timeline of events : In XX/XX/year>, I made two mortgage payments of {$2300.00} each. On XX/XX/year>, the bank issued a payoff quote of {$260000.00}, which included both payments. On XX/XX/year>, I requested reversal of one payment because I was not supposed to make two mortgage payments that month. The bank acknowledges that this reversal increased the payoff amount and made the original payoff quote inaccurate prior to closing. Despite having knowledge that the payoff amount had changed, the bank failed to provide an updated payoff quote or ensure that the correct payoff amount was used at closing. The bank states they attempted to contact the title company but were unable to reach anyone. However, a single unsuccessful attempt was not sufficient given the importance and time-sensitive nature of a mortgage payoff transaction. At closing, the title company sent the original payoff amount previously provided by the bank. Because the incorrect payoff amount was accepted, the loan remained active and my XXXX autopay of {$2300.00} was withdrawn to satisfy the remaining balance. I understand that my payment reversal changed the payoff amount. However, once the bank became aware that the original payoff quote was no longer accurate, it was the banks responsibility to properly update and manage the payoff process to ensure the correct amount was collected before closing. I relied on the payoff information provided by the bank and had no role in recalculating or verifying updated payoff figures during closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: VT

Complaint narrative:
I submitted a complaint and requested an expedited review by the XXXX XXXX XXXX Ombudsman regarding conflicting, inaccurate guidance provided by FSA representatives. This conflicting information has created financial hardship as I approach the final months of the Public Service Loan Forgiveness ( PSLF ) program. In XXXX, my loans were placed into an administrative forbearance ( from approximately XX/XX/XXXX- XX/XX/XXXX ) due to the ongoing litigation surrounding the XXXX repayment plan. During that period, I explicitly contacted XXXX XXXX XXXX to ask if these months of mandatory forbearance would count toward my XXXX required XXXX payments. The XXXX representative assured me that because the forbearance was administrative and not requested by me, these months would indeed qualify for XXXX. Relying entirely on this official guidance, I structured my household budget and financial planning around the expectation that I would hit my XXXX payment in XXXX of XXXX. However, when contacting XXXX today, I was informed that none of those 6 months qualify. This sudden, retroactive reversal forces me into a position where I must now pay an unexpected monthly increase under a new XXXX plan, while simultaneously trying to scrape together a retroactive lump-sum payment for the PSLF Buyback program. ( Once a borrower reaches XXXX qualifying payments, they can 'buy back ' months that did not qualify because of forbearance or deferment. ) Had I been given accurate information in XXXX, I would have explored alternative qualifying payment options immediately rather than facing this compounding financial burden at the very end of my public service tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I am filing a formal complaint against Columbia Debt Recovery for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). They are knowingly reporting an inaccurate, erroneous collection balance of {$2200.00} on my credit reports, which has severely damaged my credit score by XXXX points. This alleged debt stems from a past lease termination dispute with my former apartment, XXXX XXXX, from XX/XX/XXXX. This dispute was fully resolved with the original creditor. In XX/XX/XXXX, the management of XXXX XXXX finalized the account and issued me a refund check of {$350.00} for the overpayment. The issuance of this refund check by the original creditor serves as conclusive, legal proof that my account is settled, no debt exists, and nothing is owed. Furthermore, I have already submitted a formal statement directly onto Columbia Debt Recoverys website to officially notify them of this error. Despite being directly notified of this fact, they ignored my statement and continue to verify and report this false debt to XXXX and XXXX. I have also disputed this item through the credit bureaus. XXXX properly reviewed the evidence and completely deleted Columbia Debt Recovery from my report. However, XXXX and XXXX blindly accepted the collection agency 's automated response and refused to change it, failing their legal duty under the FCRA. Columbia Debt Recovery is failing to maintain accurate records and is reporting unverified, non-existent debt to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Portfolio Recovery Associates ( Portfolio RC ) that does not belong to me and is the result of identity theft. Account information being reported : Collection Agency : Portfolio Recovery Associates Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$680.00} Account Number : XXXX Date Opened : XX/XX/year> I never opened, authorized, or used this account. This account was fraudulently created using my personal information without my knowledge or consent. I have already disputed this inaccurate information and notified the credit bureaus that I am a victim of identity theft, yet this collection account continues to be reported on my credit profile, causing severe financial harm and negatively affecting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) Sections 605B and 611, and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting : An immediate investigation into this fraudulent account. Full validation of the alleged debt, including signed agreements, account applications, transaction records, and proof that I personally authorized this account. Immediate deletion of this collection account from XXXX XXXX XXXX XXXX if the company can not provide competent legal proof that the debt belongs to me. Immediate cessation of all collection activity related to this fraudulent account. Written confirmation once the account has been permanently removed from all consumer reporting agencies. This account is fraudulent and the result of identity theft. Reporting inaccurate and unverifiable information violates my consumer rights under federal law. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My XXXX XXXX account was closed on XX/XX/XXXX after I transferred my holdings to XXXX via XXXX. One position, XXXX ( XXXX XXXX XXXX XXXX ), could not transfer in-kind because XXXX does not carry it. Approximately {$650.00} in this money market fund remains frozen in my closed account. I have called XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting they liquidate the position and remit the proceeds. Each representative has promised resolution ; none has occurred. I am requesting CFPB assistance in compelling XXXX to liquidate the shares and remit the cash to 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
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PLANET HOME LENDING, LLC
State: MI

Complaint narrative:
My mortgage account was previously delinquent, but I worked directly with Planet Home Lending to apply for a loan modification, which was ultimately approved. Since the loan modification was finalized, my account has no longer been delinquent or past due in any way. Despite this, Planet Home Lending has failed to accurately report the updated status of my mortgage account to all three major credit bureaus. Currently, XXXX XXXX XXXX XXXX continue to report my account as delinquent and past due, with the last reported update showing XX/XX/year>. I have already submitted disputes with all three credit bureaus regarding this inaccurate information. However, Planet Home Lending continues to refuse or fail to correct and update the current status of my account. As of XX/XX/year>, my mortgage account with Planet Home Lending returned to current status and has remained current through the date of this complaint. The inaccurate reporting is negatively affecting my credit and does not reflect the true status of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/year> Experian Report/MIDLAND CRED XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Cease and Desist- Alleged Debt for : MIDLAND CRED ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$1000.00} ( Original CreditorXXXX XXXX XXXX ) MIDLAND CRED ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE {$850.00} ( Original Creditor-XXXX XXXXXXXX XXXX XXXX ) To Whom It May Concern : I am writing regarding your collection activities related to the above-referenced account. This letter serves as my formal notice to cease and desist from all further communication with me about this alleged debt, except as permitted by law for the limited purposes of confirming that collection efforts are terminated or notifying me of specific legal remedies you intend to pursue. I dispute the accuracy and validity of this alleged debt and any negative reporting you have furnished to consumer reporting agencies concerning it. If you have reported this account, you must mark it as disputed. If you can not substantiate the debt with proper validation, including a full accounting, chain of title, and copies of any contract bearing my signature, you must request deletion of any negative tradelines you placed with consumer reporting agencies. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and related provisions, you are required to honor this cease-and-desist request. Further, any continued reporting or communication that is false, misleading, or unverified may violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Company response to consumer: Closed with explanation