vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I am writing to formally appeal the outcome of my recent dispute, which was upheld despite clear evidence that the merchandise was returned in accordance with the merchants return policy.

The product in question was returned to the store within the required 14-day return window. The item was unopened, unused, and is no longer in my possession. I have acted in good faith throughout this process and have provided all requested documentation to both the merchant and Apple Card.

To date, I have submitted : Proof that the product was returned within the allowable return period Photos confirming the product was unopened at the time of return Documentation of communication with the merchant requesting reversal of the charge Evidence of a partial credit already issued for the same transaction, which further supports that the return was acknowledged Despite this, the dispute was resolved unfavorably, leaving me responsible for a charge for merchandise I do not have. This outcome is deeply concerning, as it appears to place the burden entirely on the consumer despite compliance with the merchants return policy and documented proof of return.

I am requesting clarification on the following : 1. What specific documentation is still required to overturn this decision?

2. How does Apple Card protect consumers in situations where goods are returned but not fully credited?

3. How can a dispute be upheld when partial credit has already been issued for the same transaction, implicitly validating the return?

At this point, I am struggling to understand how this resolution aligns with consumer protection standards or fair billing practices. I feel that my interests as a cardholder have not been adequately represented, despite my diligence and transparency throughout this process.

Please re-review this dispute with the full documentation already provided. I am happy to resubmit or supplement any information if needed, but I am requesting a clear explanation of what is required to reach a fair resolution and have this charge reversed.

I appreciate your prompt attention to this matter and look forward to a resolution that reflects both the facts and the consumer protections I expect as an Apple Card holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Phone ] | [ Email ] [ Date ] The Honorable [ Judges Full Name ] XXXX XXXX [ Circuit/Superior ] XXXX XXXX Court Address ] Wells Fargo Bank , N.A. v. XXXX XXXX XXXX, Request for Court Guidance / Request to Set Hearing ( Sheriffs Sale scheduled XXXX XXXX, XXXX ) Dear Judge XXXX I am the defendant in this foreclosure case. I am writing because I am trying to save my home, which I have been paying on for over 15 years, and I have been unable to get clear, consistent information or timely responses from the parties claiming to service my loan. 

XXXX XXXX has stated that servicing transferred to XXXX XXXX effective XX/XX/XXXX. They stated they have not been in contact with the court since, but they have after cancelling the sheriff sale & I still have not got the reason from XXXX XXXX on the stop of the sheriff sale and then to restart it after allegedly selling my loan However, I have experienced conflicting information and difficulty obtaining assistance. When I attempted to contact the servicer by phone, I was initially told there was no account matching my name or Social Security number. After being transferred, I was then told the loan was received around XX/XX/XXXX, which conflicts with the stated XX/XX/XXXX date. but I still have not been able to get a meaningful review for options to avoid the sheriffs sale. 

Because the Courts docket reflects the sheriffs sale is set for XX/XX/XXXX, I respectfully request the guidance from cfbp on the proper procedure for me to present these issues and request relief. If appropriate, required so I can request a postponement of the sale while I pursue loss mitigation and obtain accurate servicing/ownership information. 



Thank you for your time and consideration. 

Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates , LLC keeps contacting me after I have told them to stop. I received a email on XXXX. I responded with an email asking for proof of the debt including when it was originated and when last payment was made, if any payment was made. I did not receive any documents. Then I made another request on XXXX. The documents were finally received by me on XXXX via XXXX mail. I reviewed the documents which the debt was from XXXX of XXXX, over XXXX  years ago. last payment was made in XXXX of XXXX as well. On XX/XX/XXXX at XXXX XXXX, I called Portfolio Recovery at XXXX, the number listed on the letter with the documents. I discussed with the lady representative that the debt was over XXXX XXXX XXXX and uncollectable thru the court and could not be reported on my credit report. She agreed and even said she had to inform me that they could not sue me for the debt nor report it to the credit bureau. They offered no other terms other than to pay almost {$400.00}. I was not in agreement to pay. I told them not to contact me any further then ended the phone call. On XX/XX/XXXX, I sent an email demanding that all communication cease with me. I also opted out of receiving emails as instructed per their email. I have since gotten other emails. 

This is their account information that was included in the letters and emails. Last XXXX of account number # XXXX ; Seller and Original Creditor : XXXX XXXX XXXX  ( XXXX ) XXXX. ; Creditor to Whom Debt is Owed : Portfolio Recovery Associates , LLC ( " XXXX '' ) ; Amount Owed : {$750.00} I can provide all documents at a later date as at this time I do not have documents and letter in my possession.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Subject : Formal Complaint against Freedom Mortgage Escrow Calculation Error and Failure to Correct Misapplied Funds To the Consumer Financial Protection Bureau : I am filing this complaint against Freedom Mortgage regarding a gross error in my escrow analysis that has resulted in an incorrect monthly payment demand and the subsequent misapplication of my mortgage payments. 

The Error On my most recent escrow analysis, the servicer erroneously entered my property taxes twice. This clerical error caused my monthly mortgage payment to spike from {$1900.00} to {$3400.00}. 

Efforts to Resolve I contacted the servicer to point out the double-entry of my property taxes. While the servicer acknowledged the mistake and ran a second analysis, they are still demanding that I satisfy the incorrect amount of {$3400.00}. 

Misapplication of Funds I have remained current on my mortgage, making all scheduled payments through XX/XX/year>. However, rather than applying my payments to the principal and interest as agreed, the servicer is diverting these funds to cover the " shortage '' created by their own double-taxation error. This has resulted in my account potentially showing as underpaid or delinquent despite me paying the correct amount due.

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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

As Consumer by law Disputed Items below should be Deleted in my credit report Immediately!

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 2026-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I inadvertently bought software from a company that sells pirated software. Once I discovered that it was illegal, I stopped there because I am not willing to contribute and break the law by knowingly using illegal pirated software. So, I opened a claim with Bank of America for {$27.00}. I submitted XXXX pages of documentation ( including screenshots from the actual company themselves ) admitting that this software was pre-activated ( and illegal ). Including the company asking me not to use the software on the internet and not to register it with XXXX. 

On XX/XX/2026, I spoke to XXXX in TN after receiving another request for further information ( second opinion letter ). XXXX agreed that a second opinion letter was unnecessary and that Bank of America had everything that they needed. Today, the claim was closed because the second opinion letter was not supplied. I explained to XXXX in TN that XXXX said I did not need it, and that Bank of America already had the company 's ( XXXX ) admission that the software was preactivated. I also had screenshots from XXXX XXXX that the software was illegal. 

In addition, I have also filed reports with XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. 

Everyone is in agreement that this software is illegal. It is digital. There is nothing physical to examine. There is an inherent risk of installing malware onto the computer to verify that the software is pirated. 

Bank of America closed the claim due to the second opinion letter not being submitted, even AFTER they said that the second opinion letter was NOT required. 

Help me navigate this please and to get a positive closure for this claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am a court appointed conservator for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I closed out the account in XXXX, provided all my paperwork demonstrating my authority. The papers were sent to Santander and verified. The banker verified my paperwork with legal and closed out the account. I recently received a request from the courts for an accounting. I reached out the Santander for a copy of back statements ( through when I closed them ) and they want to see updated paperwork. I am not sure why I was not added to the account when I already provided this paperwork. It was not temporary, it was permanent. Santander is simply refusing to comply with court orders. My name is listed on the statements, so refusing to provide me with the previous statements, is really just not called for.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: ROBINHOOD MARKETS INC.
State: UT

Complaint narrative:
In XX/XX/XXXX, I fell behind on my XXXX credit card and was offered a XXXX hardship payment plan at XXXX  XXXX with 0 % interest. I enrolled in XX/XX/XXXX and have made every payment on time. 
However, XXXX has not updated my credit report since XX/XX/XXXX. My XXXX  and TransUnion reports still show : Status : " 30 days past due '' Amount past due : " {$1000.00} '' This is inaccurate. Under my payment plan agreement, I am current and owe {$0.00} past due. 
When I contacted XXXX, they stated they " freeze '' credit reporting during the payment plan and will update it to current after completion ( XX/XX/XXXX ). I explained that leaving inaccurate information on my report is not a " freeze '' - it's a violation of the FCRA, which requires reporting to be accurate at all times, not just when first submitted. 
XXXX refused to correct the reporting, stating they " can't adjust or remove previous reports. '' I am not asking them to remove history - I am asking them to report my current accurate status : that I am enrolled in a payment plan and am current on all agreed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MRS BPO, LLC
State: NY

Complaint narrative:
I dont have a chase account havent had one in over 6 years

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> I received notification from my bank of several charges that I did not recognize. I immediately signed into my account and attempted to report the transactions as fraud. The only solutions offered on the app were to report my card as lost or stolen or wait until the transactions posted to my account. I attempted to freeze my card as the transactions were still occurring. This worked for a couple of transactions and they were denied ; however, my account was unfrozen and the transactions continued. I reset my password to my account, but the transactions persisted. I could not get a live agent on the phone quickly from my bank. I eventually had to cancel my card and report it as stolen, even though I have the card in my possession. These transactions ( XXXX ) all occurred within XXXX minutes for a total of {$410.00}. I called my bank and again it was hard to get a hold of a live agent. Eventually I was able to talk to a representative. The representative informed me that there was nothing they could do while the transactions were listed as still pending. I had to wait until they were finalized and posted. 
The transactions posted on XX/XX/year>. I immediately called my bank again to report the transactions as fraud. I was told that my dispute had been successfully put through and that it could take until XX/XX/year> for the investigation to be completed. There was an additional transaction that I did not recognize that occurred on the same date for {$45.00}. This posted after the XXXX transactions and I disputed that on the same date, XX/XX/year>. 
I received notification from my bank on XX/XX/year> that my dispute had been denied by my bank and that no errors had occurred. There was no explanation as to why my dispute was denied. I called my bank and they also could not provide me with a reason. They stated that they would send me their supporting documents within XXXX business days. I asked to appeal the decision and was informed that I could not until I received their supporting documents. 
I received an email on XX/XX/year> with the banks supporting documents. The documents provided by my bank were my bank statements and the wrong dispute intake form. The intake form provided was for the charge of {$45.00} which is still in process and has not been finalized. The {$410.00} dispute intake form was not provided. I called my bank on XX/XX/year> to ask for an appeal of this dispute as the documents provided do not support why my dispute was denied and offers no explanation. I was told that my rebuttal was successfully submitted, but that I would need to provide supporting documents as to my rebuttal. 
At the time of these transactions I was working and actively at my desk at work. I do not even own an account for the merchant that the transactions were purchased from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, I requested a JP Morgan Chase private client banker, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, to transfer funds from my Chase XXXX IRA account which had been outdated by Chase to a newer Chase IRA account. The banker made a mistake and transferred the funds to my Chase checking account instead. She did not know how to complete the full transfer of funds. She is trying to reverse her original transaction with Chase back end office. She placed an incident complaint with Chase - complaint # XXXX, Escalation team. Chase back office has not communicated verbally and with documentation of the resolution to this incident made by Chase itself. As of today, the Chase team members are not communicating with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: NAVY FEDERAL CREDIT UNION
State: ID

Complaint narrative:
Navy federal bank, I still have an account with them have wanted to close it and have tried multiple times, everytime they say yes I can help you let me transfer you make me wait 2-3 minutes pickup and then hang up and act like oh that shouldnt happen lets try again and same thing happens like it is their enjoyment

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 2026-01-22 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: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
I have repeatedly asked FNBO to remove a fraudulent charge from my account. Every time I call, I get a different response and the employees seem to have no comprehension of what I am talking about. They finally removed the charge from my account and told me that it was resolved. Then the charge has once again appeared on my statement. When I called to inform them, they told me that the claim was denied. I have clearly explained to them the situation and they have still not resolved the situation. 

Here is my original complaint explaining the charge that I am disputing : When I arrived, I told the mechanic I had a coupon for {$25.00} off an oil change. He said it was no problem and that the cashier would take care of it after the service. Based on this understanding I had the service done. When I go to pay, the cashier tells me they can not honor the coupon. I told her she had to honor it because that was my agreement with the mechanic. She said that the agreement was not with her as if they are not part of the same company. I said I would not be paying until she agreed to charge me the price that was agreed upon : {$72.00} minus the {$25.00} discount. 

Rather than honor his word, the mechanic chose to call the police on me. While waiting for the police, the mechanics and the cashier began insulting me, calling me childish and ridiculous for insisting on using a coupon that their company doesnt accept ( despite that the mechanic agreed to accept it ). The police said I had to pay what the company wanted or I would be arrested for theft of service since they had no proof and it was a he said/she said situation. 

I told the cashier I would be writing a bad review and disputing the charge as fraud on my credit card.

Company response to consumer: Closed with explanation