vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
This complaint concerns a returned payment fee assessed during the initial onboarding period following a mortgage servicing transfer. 

In XXXX, two ACH payments were returned due to a routing number entry error while setting up payments in the new servicing system. The issue was promptly corrected, and a successful payment was received and applied prior to the contractual due date. There was no late payment, no delinquency, and no financial harm to the servicer.

Despite timely satisfaction of the payment obligation, two returned payment fees of {$50.00} each were assessed. One identical fee was later waived as a courtesy, confirming the discretionary nature of the charge, while the remaining fee was upheld. 

Pursuant to 12 U.S.C. 2605 and Regulation X ( 12 CFR 1024.35 ), borrowers have the right to dispute fees that lack a reasonable basis. In this case, the remaining fee was assessed absent any default or loss and during a servicing transition period governed by 12 CFR 1024.33.

Additionally, as the property is located in Pennsylvania, this matter raises consumer protection considerations under the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( 73 P.S. 201-1 et seq. ), which prohibits practices that create a likelihood of consumer confusion or result in disproportionate charges.

Given the timely payment, the absence of delinquency or financial harm, and the inconsistent waiver of one identical fee, I respectfully request removal and credit of the remaining returned payment fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I recently opened a new credit card account with concora credit for their indigo Mastercard. After the second time I used it for a legitimate purchase at a well known retailer, they blocked my card claiming that my recent transaction was flagged and that a recent change was made in my account profile. No such change was made as I had the card less than 6 days at this point. To unblock my card they demanded I send innproof of my identity in the form of passport and/or government id or drivers license. I provided exactly what they asked and after 3 more days and no change, I called them back, only to be told that those forms of id were not acceptable and they required more. I have since investigated them online and found nothing but endless complaints about them defrauding people, and stealing their information. There have been reports of their customers getting random hits inbtheir credit bureau, new trade accounts being opened without their knowing and all stemming from the same type of issue. People 's financial security is being destroyed by this company and it's associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/year>, I went into my XXXX XXXX XXXX XXXX Account and made a payment on my credit card. I noticed that I had a late fee. I do not appreciate late fees so I signed up for autopsy. I have several capital one accounts and they all have auto pay so I am not charged late fees. Unfortunately my auto pay did not go through. I noticed in XXXX that it did not go through and I was charged XXXX additional late fees. I made a payment in XXXX and XXXX  again tried to set up auto pay. Again it did not work and I was charged another fee in XXXX. I reached out to customer service on XX/XX/XXXX and spoke with a customer service representative and a manger. They were able to remove XXXX of the fees, however, their system would not allow them to remove all late fees. I explained that I was not asking for all late fees just the late fees that should not have been charged. They were still unable to remove additional fees. I then asked for an email or address where I could file a complaint and was told that they do not have that information available. Even XXXX the XXXX did not have an email or address to provide to me to file a dispute or complaint. 
I then called the Capital One and they transferred me back to the customer service that I just spoke with. I went over all of the information again was told again that they could not help me and were unable to provide an address or email address. After asking several times for an address where I could send a complaint letter they told me to mail it to the address on my bill. I let them know that the address is for bills how would the people who get billing mail be able to help me. She said they would not be able to help but my letter would go somewhere. 
I would like to once again point out that even though every other account I have with Capital One is on auto pay this account was not able to be put on auto pay until I had the XXXX do it. When I asked if she could help me with that, she said she would walk me through it online. I had to complain that I was not able to do it twice and asked for her to do it on her end. I had to ask her to do that several times. Finally she agreed and set it up. 
I would also like to point out that I have only purchased XXXX items from XXXX XXXX  on this card that totaled {$72.00}, I have been charged {$140.00} in late fees and interest. That is just crazy to me. 
I would like an additional {$69.00} of late fee 's removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: AR

Complaint narrative:
Since around XX/XX/XXXX up until XX/XX/XXXX I've been telling the company my funds are leaving to fast or when I receive a direct deposit they'll put a hold on it put it back in my account take it back out put it back it's just a hassle I'm o they stealing my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
An automatic payment was rejected for insufficient funds on XX/XX/year>. I then made a one-time online payment on XX/XX/year> from another bank. The first autopayment shows as " paid '' on my online credit card account though it was refunded, but my one-time payment shows as " pending '' though it has been withdrawn from my account as listed as resolved by my bank. My autopayment back received a second request for autopayment on XX/XX/year> even though the bill has already been resolved, and the credit card online system does not show that this second request was ever made. I called customer service and talked to three people who all told me different stories and denied that they are trying to collect payment on a bill that has been resolved.

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 2025-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
Since U.S. Department of Education student loan servicing was transferred from XXXX to XXXX, I have had problems with my monthly student loan payments processing though sufficient funds are available in the account at the time of payment submission. After calling XXXX regarding this matter without resolution, I was advised by a customer service representative that the non-application of the payments was likely due to my bank refusing to process the payment. I never had this issue with XXXX. More than sufficient funds were available in the financial institution account to process student loan payments. I elected not to submit another electronic payment through the XXXX website, despite the delinquent notices I received by mail. I mailed a certified cashier 's check from my credit union in the amount that would keep XXXX XXXX issues with processing electronic payments 1 ) from adversely impacting me in the amount of additional interest applied to the loan balance for late payments on a principal that seems to never go down, and 2 ) avoid potential credit reporting hits with a 30 day delinquency.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I refinanced my house in XXXX through XXXX XXXX XXXX. I paid all the related fees to XXXX XXXX XXXX XXXX on XX/XX/XXXX, and I had already made my regular payment for XX/XX/XXXX. On XX/XX/XXXX, the escrow company issued the relevant documents, and on XX/XX/XXXX, the title company wired the funds for my house, including principal and interest up to the end of XXXX, completing the payoff. However, on XX/XX/XXXX, I received a call from XXXX XXXX of Shellpoint XXXX, who said that my payoff amount was insufficient and that I needed to pay the principal and interest for XXXX. I confirmed this with XXXX XXXX at my new loan company, XXXX XXXX XXXX, who said that I had paid all the money and did not need to pay any more fees. We also contacted XXXX and others at the title company for confirmation. They sent an email confirming that the wire transfer was completed on XX/XX/XXXX and received by Shellpoint XXXX. However, Shellpoint XXXX insists that they only received the payoff money on XX/XX/XXXX and refuses to provide any bank transfer receipts. We have contacted XXXX XXXX, who is responsible for this matter, multiple times, but she refuses to change the payment date and has not provided a direct response or solution to the problem to this day, causing me significant distress! I hope you can help me mediate and resolve this matter. Thank you!

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 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> and XX/XX/year> i have made several attempts to regain access to account XXXX XXXXXXXX at cash app without having any success whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EGL US, LLC
State: GA

Complaint narrative:
This company call at least XXXX times per day. This company calls as early as XXXX am and as late as XXXX. I have asked them to limit the times they call. I have ask them not to call any more. This company said it is a robo call and will call as much as they need to till the debut is paid.i have asked them to send the bill to my mailbox instead of calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: TClub Inc
State: PA

Complaint narrative:
I am submitting a formal complaint against Abound, a remittance service provider, for misleading exchange rate notifications that directly impacted my financial transaction. 

On XX/XX/year>, I received an in-app notification from Abound advertising Notification displayed XXXX as the applicable rate. 
I remitted {$20000.00} ( XXXX x {$5000.00} ) immediately after receiving the notification. 
However, applied rate was XXXX. Which cost me a loss oXXXX XXXX XXXXXXXX/ {$220.00} Screenshots and transaction details have already been submitted. 

This discrepancy between the advertised and applied rate constitutes a misleading and deceptive practice. Multiple communications with Abound support ( Request ID : XXXX, # XXXX and so on ) and submission of screenshots ; The company initially acknowledged the issue and promised an update/resolution. However there is no proper response or acceptable to me. I request immediate resolution and confirmation of corrective action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint against Columbia Debt Recovery XXXX ( XXXX XXXX ) for violations of 15 U.S.C. 1692g and 1692f. On XX/XX/year>, I sent a formal rejection of their incomplete validation, specifically challenging unauthorized interest charges and demanding proof of legal assignment. Instead of validating, the collector sent a new demand on XX/XX/year>, increasing the XXXX XXXX ' from {$120.00} to {$130.00}. They claim a 6 % interest rate but have provided no contract or legal authority for this. They are continuing collection activity and increasing the balance while the debt is under active dispute, which is a direct violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Please remove these fraudulent accounts I have submitted a FTC report in a police report. I am a victim identity Detail I did not open any of those loans. The loans I did open. I went in person. These loans were done online by my twin sister. I do not stay at the dress. I do not have that ID she used and I need these loans in XXXX  and all these other other accounts has been reported late removed. I did not open any account.

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 2025-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MD

Complaint narrative:
IC System is reporting a disputed debt related to an auto-renewed service contract without informed consent. I requested cancellation, disputed the debt, and requested validation. The balance does not reflect services rendered. I am requesting deletion and cessation of collection activity.

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 2025-12-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This complaint concerns Bank of Americas mishandling of my Arizona DES unemployment prepaid card fraud dispute, failure to timely investigate, failure to preserve my account as evidence, and eventual reconstruction and manipulation of my account ledger before issuing extremely delayed compensation. 


-- - XXXX XXXX XX/XX/XXXX, I filed a fraud complaint regarding unauthorized transactions on my DES prepaid unemployment card. 
Bank of America was obligated under federal law to promptly investigate, safeguard the account, and provide a timely and fair resolution. 

Instead, the bank did not resolve this matter for nearly XXXX days. 

During this period, Bank of America : failed to freeze and preserve my account after fraud reporting engaged in unexplained internal system adjustments used XXXX XXXX ( financial institution adjustment ) coding repeatedly posted dozens of Dispute Adjustment Credits and Miscellaneous Adjustments in XXXX appeared to reconstruct prior ledger activity rather than rely on preserved records On XX/XX/XXXX, Bank of America performed a final bulk debit sweep of ( {$4500.00} ) to XXXX out the account balance and then issued compensation. 

This conduct shows : failure to timely investigate failure to preserve records delayed remediation internal manipulation of government benefit funds potential UDAAP violations This was not a legitimate fraud investigation. 
This was a delayed cleanup nearly XXXX years after my fraud report. 


-- - Why this is serious This involved pandemic unemployment benefits government relief funds and vulnerable consumer circumstances. 
Bank of Americas actions were : unfair abusive harmful financially damaging inconsistent with Regulation E obligations Given Bank of Americas previous CFPB enforcement history for unemployment card mishandling, I believe this reflects broader systemic misconduct. 


-- -

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 2025-12-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I enrolled, attended then XXXX XXXXXXXX XXXX XXXX in XXXX XXXX, CA. My loan was guaranteed by California Student Aid Commission. Rather than 1 tuition, 4 tuitions were paid ( 4 X the cost of my actual tuition ). 
My personal data was altered to create false enrollments, the 1st claim was I enrolled and never attended, then claimied I enrolled at a 2nd school and never attended. This false information, automatically denied me any future loan forgiveness, class action lawsuits, turned my grants into loans. & not allowing any of my complaints to surface. 
My loans were forged, according to the false records the collection company provided to me, the false enrollment was in XXXX. That year I went by my maiden name, XXXX XXXX XXXX. The false documents did not have my correct name. 
My state taxes were offset & my federal taxes were both offset & I made several calls to the loan servicer & guarantor, all calls & request were all denied access to records, refusal to provide me validity of the loans & claims that my loans had been archived & not accessible I am attaching all documents to determine that these were clear acts of fraud. Also, I hold the guarantor, the loan servicer and the collection agency resposible for all acts and crimes against me. Each agency had a responsibility in verifying records. In good faith, I provided my personal information, trusting no illigal acts would occur. When this complaint is further investigated, you will find the answer to why repayment of student loans were not profitable, instead this became a matter of assisting in loan repayment for students all in which was a result of these illegal loans. I want my money back, plus interest and this will be the last complaint I submit. If no compromise is provided, I will seek further assistance to prosecute all agencies involved. ( my files contain all proof of fraud and will align with the purchase of data, loan collection, involving the irs to collect on fraudulant loans while taking advantage of their authority to collect )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am filing a consumer complaint against XXXX XXXX XXXX  XXXX. and Mr. Cooper ( Nationstar Mortgage LLC ) regarding a mortgage loan that has been paid in full. 

Despite full payoff, XXXX XXXX continues to report an outstanding principal balance of XXXX and an escrow balance of XXXX. Customer service representatives have been unable to explain or substantiate these figures and have refused to correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ASSOCIATED BANC-CORP
State: OH

Complaint narrative:
I received a XXXX  XXXX bankruptcy discharge on XX/XX/XXXX ( XXXX XXXX, XXXXXXXX XXXX  XXXX. Associated Bank, N.A. held a lien on my XXXX XXXX XXXX, which was properly discharged. Despite having actual knowledge of the discharge ( they obtained a relief from stay order in XX/XX/XXXX ), the bank 's counsel sent three letters attempting to collect the discharged debt : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. The XX/XX/XXXX letter explicitly stated : " This is a debt collection law firm and this communication is an attempt to collect a debt '' with no disclaimer. The XX/XX/XXXX letter demanded {$50000.00} {$13000.00} more than the {$36000.00} balance stated in their own affidavitconstituting amount inflation under FDCPA. 
The bank 's attorney also filed sworn state court documents ( XXXX XXXX XXXX XXXX ) falsely claiming my discharge date was XX/XX/XXXX, instead of XX/XX/XXXX. When I exposed this perjury, counsel filed an amendment 24 hours later attempting to conceal the fraudadmitting consciousness of guilt. 
Most egregiously, Associated Bank demanded I post a {$58000.00} counter-bond under Ohio law but failed to file the mandatory plaintiff bond required by Ohio Rev. Code 2737.02. The XXXX XXXX Clerk confirmed no bond was ever filed. This demand was fraudulent and extortionate, as they lacked statutory authority to require a counter-bond. 
This is a five-month pattern of willful discharge injunction violations and fraudulent court practices, not isolated errors.

Company response to consumer: Closed with explanation