vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Since XX/XX/XXXX, the mortgage servicer has engaged in a pattern of escrow mismanagement affecting a XXXX XXXX XXXX XXXX XXXX XXXXXXXX Veteran household. While the property tax exemption was updated as of XX/XX/XXXX, the servicer continues to withhold {$2700.00} in misappropriated funds. This total includes : {$1700.00} in tax funds over-collected ( XXXX XXXX ) which the bank seized to cover a projected shortage while still claiming a remaining balance of {$210.00} ; {$920.00} from a duplicate insurance payment to a canceled provider ( XXXX XXXX XXXX which the bank admitted was an error in writing on XX/XX/XXXX, but has failed to credit ; and {$62.00} in unjustified shortage 'catch-up ' fees. Despite these over-collections, the bank is demanding an over-inflated monthly payment based on an artificial shortage of {$1000.00} ( as of XX/XX/XXXXXXXX ). The account actually maintains a significant surplus. I have filed a formal RESPA Notice of Error ( NOE ) with a 16-page evidence packet, but the bank has failed to acknowledge my filing within required federal timelines or adjust my payment to reflect only the Principal, Mortgage Insurance, and Homeowners Insurance premiums .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX i conatced the dave requesting to freeze and issue me an new virtual debit card i was told it would be done is 2 hours, Well on XX/XX/XXXX there was fraud on that card, I called and reported it, I was told it takes 3 to 5 days for an new virtual debit card that was not what i was told, If they issued the new card this never would have happned, I have been contacteding them and been told the same thing they are working on it which means nothing. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> I received a debit card in the mail from Chime Banking that I did not open. I called Chime and asked that they close the account due to fraud. They only flagged the account and blocked further activity on it. To close the account they request that I send them a picture of my drivers license and SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX bought out a credit card of mine from XXXX XXXX. During the account conversion process, an account error occurred where they sent all written correspondence and a new credit card to an address that isn't mine. I was not even aware XXXXXXXX XXXX had taken over the account. At the time of the conversion there was a {$2.00} balance at XXXX XXXX, which I always had autopay established with, by the way. Due to XXXXXXXX XXXX not having my correct address, and me being unaware I even had a new XXXXXXXX XXXX account, I was incorrectly marked as past due and 30 and 60 days delinquent over a {$2.00} balance, ( yes, XXXX dollars ). I did not find out until a credit monitoring service sent me an email saying, " One of your accounts is delinquent. '' A CFPB complaint was opened, and XXXX 's bank fixed this and also corrected the invalid delinquencies to all 3 credit bureaus. As a result of the erroneous delinquencies on my report, XXXX took negative adverse action on my long standing Line of Credit ( which I have had for over a decade ) with good payment history. They suspended my entire line of credit because their automatic algorithms assumed I was high risk. Their lending department says there is no way to unsuspend a credit line without doing a brand new application and hard inquiry. I find this unacceptable, as XXXX took negative adverse action against me using erroneous and incorrect information. I should not be further penalized by having an additional hard inquiry added to my credit report. My original XXXX should be immediately unsuspended and continue to be reported to the major credit bureaus as open in good standing with all payment history and account length intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my Experian credit report. A fraudulent account from XXXX XXXX appears on my credit file even though I never opened or authorized this account. Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$5800.00} This account does not belong to me. I did not apply for this credit card and I never gave anyone permission to open this account in my name. Because of this, I believe this account resulted from identity theft. The reporting of this account is inaccurate and has caused harm to my credit profile. I work hard to maintain accurate credit records and this fraudulent account has negatively affected my financial standing and peace of mind. Under the Fair Credit Reporting Act Section 605B and Section 611, I am requesting that Experian conduct a proper reinvestigation of this account and block or remove the information if the creditor can not provide documented proof that I opened or authorized this account. I have submitted an FTC Identity Theft Report and supporting documents to show that this account resulted from identity theft. I respectfully request that this matter be handled promptly and that this fraudulent account be removed from my Experian credit report. Please provide written confirmation once the investigation is completed and send me an updated copy of my corrected credit report.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am filing a complaint against American Express regarding an annual fee and minimum payment billing issue on my credit card account. I was charged a {$690.00} annual membership fee when my card renewed. I was explicitly advised that if I downgraded the account within the allowed refund window, I would not be responsible for that annual fee and the fee would be refunded. I then downgraded the card within that allowed timeframe. After the downgrade, American Express posted an adjustment reversing the annual fee, including an Adjust Membership Fee credit of - {$650.00}, and replaced it with a lower new card fee of {$140.00}. This confirms that I was entitled to the fee reversal and that the original {$690.00} annual fee should not remain my responsibility. However, American Express still calculated and is still demanding a minimum payment of {$590.00} based on the earlier statement balance that included the {$690.00} annual fee, even though that fee was later reversed. My statement showed a balance of {$3500.00}, which included the {$690.00} fee and interest, but after the downgrade and fee adjustment, the balance was materially reduced. I contacted American Express to correct this issue and requested that the minimum payment be adjusted to reflect the fee reversal. Instead of correcting the problem, I was told I still had to pay the inflated minimum payment. I was also disconnected during the support interaction and have not been provided a fair resolution. My position is simple : American Express should not be using a reversed annual fee to inflate my minimum payment obligation. I downgraded the card within the allowed refund period, the fee was adjusted, and I should only be responsible for the legitimate balance and the prorated/new lower annual fee, not the original {$690.00} fee for a card product I no longer have. I am requesting that American Express : 1. Correct the minimum payment due so it no longer includes any amount attributable to the reversed {$690.00} annual fee. 2. Waive any late fee, penalty, or negative reporting related to this billing dispute. 3. Confirm in writing the correct payment due and that my account will not be adversely reported or penalized because of American Expresss billing error. I have supporting documentation, including my statement showing the {$690.00} annual fee, screenshots showing the later fee adjustment credit and new lower fee, and screenshots showing the inflated minimum payment still being demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
Attached you will find my Apple Card agreement which states : YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONS Contact us IMMEDIATELY if you believe any physical Card or any Eligible Device with a Card has been lost or stolen, any Credentials have been compromised, or your Account has been accessed without your permission. You will not be liable for any unauthorized transactions made on your Account. I did exactly that, I notified Apple and Goldman Sachs that someone was using my account without my authorization. Goldman Sachs refunded money for numerous game transactions but I noticed that on many it stated unauthorized for refund. I was never notified of what this meant nor did I imagine that I would be held responsible for games that I physically could not play due to a XXXX XXXX. In agreement with the above statement, I was timely and followed those instructions but I am being held responsible for all the charges that were not refunded as they should have been. Goldman Sachs is saying that I owe over {$12000.00} as a result and they cancelled my credit card as a result and reporting late payments to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/year> I put a deposit down on a car and purchased insurance at ( XXXX XXXX XXXX ), I later decided I didnt wan na move forward with financing the car. I canceled the insurance with ( XXXX ) the same night XX/XX/year> and was told by ( XXXX XXXX XXXX ) that since it was after business hours to come back during business hours to receive my refund when the owner was there so I did on XX/XX/year>. ( XXXX XXXX XXXX ) attempted to refund my card 4-5 times and all times were unsuccessful so I was instructed by them to call my bank ( Cash App ). I spoke with a representative from ( Cash App ) while in ( XXXX XXXX XXXX ) and he instructed me to tell ( XXXX XXXX XXXX ) to run my card again for the refund which they did and it was unsuccessful again. ( XXXX XXXX XXXX ) told me to take it up with my bank and so I did and ( Cash App ) disputed the charge and told me to submit all documentation I had. I had a signed receipt from the company stating they would refund me and called ( XXXX XXXX XXXX ) so they could send me a email stating the same, which they did but didnt send it till the next day on XX/XX/year>XXXX so by that time the dispute was already submitted and ( Cash App ) wouldnt let me submit any more supporting documentation. I called Cash App on XX/XX/year>XXXX once I was notified my dispute was denied and asked them why when I had supporting evidence from the company and a ( Cash App ) representative had spoke with the salesman from ( XXXX XXXX XXXX ) on XX/XX/year> stating they were trying to refund me and it showed that twice on my Cash App account. The amount I put down as a deposit with ( XXXX XXXX XXXX ) was XXXX and they stated they would refund the full amount because I never signed a finance contract for the vehicle

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Statement of truth Shellpoint Mortgage Servicer and XXXX XXXX XXXX as Trustee I'm asking for a meeting or a mediation. You have no authority to foreclose on me and the Assingment is VOID. Your are not on my County Records at XXXX XXXX XXXX. Please reconsider the foreclosure action and release me. This Contract is void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was scammed by XXXX unknown parties on XX/XX/year> and immediately called Ally bank to report the scam the same night. I reported what happened to the customer service agent and we started the fraud process the same night, but had to call back on the XXXX to give more information. Within XXXX business days the money was refunded to my account. On XX/XX/XXXX I was notified by my bank to contact them and upon contacting them again on XX/XX/XXXX, they said they had continued to investigate my claim and revoked the claim without official statements as to why they were rejecting the claim. They did not give any extra information when asked.

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 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: VA

Complaint narrative:
The loan was for XXXX XXXX XXXX orthodontic treatment and was financed with Healthcare Finance Direct. XXXX XXXX XXXX ceased operations and did not complete my contracted treatment services. The lender : Healthcare Finance Direct is still reporting a charge off on my credit report in the amount of {$590.00}, which is inaccurate because the service contract was not fulfilled. Because the services were not completed, the underlying obligation for this financing agreement is disputed. Despite the failure of services, Healthcare Finance Direct has reported the account as a charge-off on my credit report. This reporting is unfair and inaccurate because the contracted services tied to the financing agreement were not delivered. I am requesting that Healthcare Finance Direct investigate my account and remove the negative tradeline from my credit reports with XXXX XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: LA

Complaint narrative:
Inquiry on my credit report is not correct Im not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
b"Amounts totaling $10,100. were ciphoned from my Huntington business bank account beginning in XXXX XXXX and ending in XXXX XXXX upon discovery. The amounts were taken from ATMs that I have never frequented throughout the city on average of about XXXX times/month. \nSome of the amounts and dates are:XXXX XXXX XXXX. It was disheartening after Huntington originally lent me the money that started my business that they wouldn't support me years later when something like this happen. I was shocked to see the level of their technology when I went to the branch to get a copy of the disputes. They came to a decision that they said they researched less than XXXX hours later and none of that included them looking at their cameras in my belief. I sent them a message asking to reopen"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Company : Portfolio Recovery Associates Issue : Improper debt collection practices/ inaccurate credit reporting / improper service I am filing this complaint regarding serious violations committed by Portfolio Recovery Associates. I formally disputed this alleged debt and requested proper validation. The information they provided is inaccurate. The balance is incorrect, the account history is inconsistent, and I do not recognize the charges or interest rate being reported. The account also appears to have originated in a state other than Virginia, where I reside. Despite my dispute, Portfolio Recovery has continued collection efforts and has threatened litigation. On XX/XX/year>, documents were left on my doorstep in the rain, containing my personal identifying information. I was not properly served. The documents were exposed to public view and weather conditions, compromising my personal information. I did not receive proper service of process under Virginia law. This conduct raises serious concerns regarding : Violations of the Fair Debt Collection Practices Act Violations of the Fair Credit Reporting Act Improper third-party disclosure of personal information Threatening litigation without proper validation Failure to properly mark the account as disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
I am filing this complaint regarding a fraudulent PayPal XXXX Mastercard account issued by Synchrony Bank ending in XXXX. I did not apply for this credit card, did not authorize the account to be opened, did not activate the card, and have never used the account to make any purchases. I first became aware of this account only after approximately {$500.00} was withdrawn from my XXXX Bank checking account. I immediately contacted Synchrony Bank and asked who they were and why money had been taken from my account. I was then told that I supposedly had a PayPal credit card issued through Synchrony Bank. I informed them immediately that I had never opened such an account. Since that time I have repeatedly told Synchrony that this account is fraudulent. Despite this, Synchrony has continued to treat the account as legitimate and recently issued a letter dated XX/XX/year> denying my fraud claim. The denial letter makes several claims that are completely false, including statements that : items were shipped to my address I authorized or benefited from purchases I made payments on the account the card was activated from my phone number None of these claims are true. I never authorized the account, never activated the card, never received any items purchased with the account, and never used the card. Synchrony has also linked this fraudulent account to my PayPal account and financial accounts without my authorization. I am requesting that the CFPB require Synchrony Bank to : XXXX. Immediately close the fraudulent account XXXX. Remove any association between this account and my identity XXXX. Reverse any charges or withdrawals connected to the account XXXX. Provide documentation showing how this account was opened XXXX. Correct and remove any credit reporting connected to this fraudulent account Synchrony has failed to properly investigate this fraud and continues to hold me responsible for an account that I never opened.

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 2026-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to formally express my concerns regarding XXXX XXXX handling disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB XXXX findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation