vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Unauthorized charge on my account that was not investigated by bank. 

{$2500.00} on XX/XX/year>

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 2026-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Remex, Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft. Pursuant to 15 U.S.C. 1681c-2, I am requesting that all information resulting from identity theft be blocked from my consumer report. I did not authorize or open the disputed accounts or inquiries. Enclosed is my FTC Identity Theft Report and proof of identity as required by law. Please block and remove these items within the statutory timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CO

Complaint narrative:
In late XXXX, I exercised my consumer rights by filing a complaint against XXXX and processing legitimate chargebacks. In retaliation, XXXX Bank flagged a valid XXXX IRS XXXX XXXX  disbursement as " fraud '' and froze my account. They simultaneously reported me to the Early Warning System ( EWS ), effectively blacklisting me. Although XXXX eventually admitted the funds were valid by paying me out, the freeze created a " XXXX XXXX  '' that made it impossible for my XXXX XXXX XXXX premiums to be paid via XXXX. XXXX then " severed ties '' and closed my account without explanation, leaving the retaliatory XXXX  flag active. This " froze the clock '' on my ability to manage my estate and caused an involuntary lapse of my family 's legacy policies. 
I am a Mature Principal and Executor demanding the following corrective actions : XXXX. XXXX must immediately notify Early Warning Services ( XXXX  ) to delete all " fraud '' or " abuse '' flags, as the payout of funds proves the reports were false. 
XXXX. XXXX must provide a formal " Notice of Wrongful Dishonor '' specifically for XXXX XXXX XXXX, admitting the payment failure was a result of a bank freeze on verified funds. 
XXXX. XXXX must cease and desist the sharing of my data with third-party brokers responsible for predatory payday loan harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Federated Student Loan Services
State: CA

Complaint narrative:
Over a year ago received notice from US Dept of Education and my servicer Aid Vantage that my discharge of XXXX XXXX  loans were discharged and I would receive a refund of tuition paid ( thousands of $ ). My accounts showed loan balances were zeroed but I have not received nor any update on status of refund. Really over a year wait and nothing! Filed a complaint with XXXX XXXX who states it is the XXXX XXXX XXXX not them that is responsible for issuing my refund. The comment I have repeatedly received is the same it is currently under review for approval/discharge. The ltr ( attached ) states it is already approved, accounts reflect this but no refund. Who is responsible and how can I get some viable information.... again over a year and not XXXX word?

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail with receipt displaying my signature. If not, please delete account XXXX XXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I alerted CapitalOne of a credit card inquiry on my credit report from XX/XX/year> in which, I did not authorize to inquiry. I do not have my own account, Im not a primary card holder at capital one so I should not have any inquiries on my transunion report. Remove this inquiry from my transunion credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: RFNA, LP
State: TX

Complaint narrative:
Company name : XXXX XXXX ( also known as XXXX XXXX ) Product : Consumer loan refinance Narrative : XXXX XXXX initiated contact and actively solicited me to refinance my existing loan, representing that specific refinancing terms were available and would improve my position. I relied on those representations and agreed to come into their office to proceed. 

Once I arrived and we sat down to finalize the refinance, XXXX XXXX failed to honor the terms used to solicit me. Instead, they materially changed the loan terms at the point of finalization, presenting different and less favorable conditions than those previously represented. This was a classic bait-and-switch, where favorable terms were used to induce my participation and then withdrawn after I was already engaged in the process. 

When I questioned these discrepancies and objected to the changed terms, representatives of XXXX XXXX became belligerent, dismissive, and chastising, rather than providing clear explanations or disclosures. Following this, the company engaged in repeated and aggressive communications, including explicit threats to damage my credit if I did not comply, despite the dispute arising from their own failure to honor the original refinance representations. 

I believe XXXX XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAP ), including : Soliciting a refinance using terms they did not intend to honor Changing material loan terms after reliance and engagement Failing to provide clear, consistent, and truthful disclosures Using threats related to credit reporting as leverage in a disputed transaction Engaging in harassment and unprofessional conduct These actions caused financial harm, distress, and placed my credit at risk. I attempted to address this directly, but XXXX XXXX did not resolve the issue in good faith. 

I am requesting regulatory review and corrective action, including clarification of the true terms offered, cessation of harassment, correction of any inaccurate or retaliatory credit reporting, and appropriate relief for the harm caused by these practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: FL

Complaint narrative:
In XXXX of XXXX, a collection account was added to my credit from XXXX ( XXXX ) collection agency. I was in the middle of moving and hadnt received notices or any other information. After further looking into this I noticed that I was being charged around {$9500.00} dollars due to owing previous debt to a landlord. 
I had then disputed this debt with the company directly. The documentation from them was sent to me on XX/XX/XXXX in the form of a lease agreement and then the charges provided by the apartment complex. Multiple charges on the statement do not match the signed lease agreement. 
I then responded asking for the amount to be revised as it is incorrect and I never agreed to the amounts. If I had, I would like to see the documentation of me doing so. I have been waiting for a response ever since and it has now been almost 2 months. They have stopped reaching out to me for payment but I want to get this account handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, I was charged {$1500.00} for a used XXXX engine advertised as complete and low mileage. The engine arrived rusted, incomplete, and not as described. The merchant stated in writing that I could refuse delivery, but the carrier would not take it back. 
I contacted the merchant and provided photos. A chargeback was opened. The merchant promised a full refund and pickup if I canceled the chargeback. I canceled in good faith, but no refund was issued and no return BOL was provided. The engine remains in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX my partner and I were contacted by National Credit Systems , INC . They informed us that we had a debt for our old apartments that we were unaware of and they said that if we don't pay them that they will report it to the credit companies but they included our XXXX XXXX XXXX child. We informed them that she was a minor and they couldn't do that but they didn't even have the correct information. We made it very clear that she was underage and she was not responsible for that. In XX/XX/XXXX I received letters for myself and my XXXX XXXX XXXX child that the company will be reporting the account to the consumer reporting agencies. They did not even try to fix their information and still moved forward with trying to destroy my XXXX XXXX XXXX credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: LA

Complaint narrative:
I attempted to dispute the collection they said it was me and legitimate but I never been to the hospital twice in the same day and I would be removed completely from my 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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: TX

Complaint narrative:
I went online to try and close account but was lead to the company phone number to close account. I have tried calling for about ten days at all hours of the day and I always get the same recording. You have reached Self Finacial. At this time you are unable to speak with a phone representative. You may log in online for more options. And then it disconnects the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America Attn : Credit Reporting Disputes / Credit Bureau Reporting I am writing to formally dispute the reporting of a closed Bank of America credit card account that is currently appearing on my credit report. 

Account Information : - Account holder name : XXXX XXXX - Bank of America credit card account : XXXX - Date account was closed : XX/XX/XXXXXXXX  After reviewing my credit report, I have found that this account is being reported inaccurately and does not reflect correct or complete information. Specifically, the issue ( s ) are as follows : Account shows late payments that are incorrect Balance reported after account closure Account should reflect paid/closed but does not Account was the result of fraud or unauthorized activity Dates, status, or payment history are inaccurate Account can not be verified with proper documentation ] Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting that Bank of America investigate, correct, or delete this account if it can not be verified as accurate and complete. 

Please provide written confirmation of your findings and ensure that any inaccurate or unverifiable information is removed or corrected with all credit reporting agencies ( XXXX, XXXX, and XXXX  ). 

Enclosed are copies of supporting documents to assist in your investigation ( credit report excerpt, proof of account closure, payment records, or identity theft documentation, if applicable ). 

Thank you for your prompt attention to this matter. I look forward to your written response within the timeframe required by law. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX XXXX XXXX XXXX

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 2026-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: FL

Complaint narrative:
I am submitting a complaint regarding XXXX handling of a XXXX purchase made using a XXXX one-time card at XXXX, with an outstanding balance of approximately {$290.00}. 

The purchase was for a service scheduled for XX/XX/year>. On XX/XX/year>, XXXX XXXX XXXX contacted me by phone and canceled the service prior to the scheduled date. I provided call logs showing incoming calls from XXXX XXXX XXXX on XX/XX/XXXX. No written cancellation confirmation or email was provided by XXXX. 

I promptly notified XXXX and opened a dispute. XXXX acknowledged the dispute and paused my statement, stating the pause would allow time for resolution with the merchant. XXXX later requested written documentation of the cancellation, which did not exist due to the cancellation occurring verbally by XXXX. 

XXXX advised that if no refund was registered within a specified timeframe, the statement would resume. Without providing documentation that the merchant substantiated the charge or that the service was rendered to me, XXXX automatically resumed billing, marked a payment as failed, and later escalated the balance to a third-party collection agency. 

Prior to the escalation, I had already made payments toward this transaction despite the service being canceled and never rendered. 

I disputed the debt with the collection agency InDebted and requested validation. The collection agency failed to validate the debt and ceased communication. 

Despite this, XXXX continues to treat the balance as valid, restricts my account, and provides no documentation showing that the dispute they acknowledged and paused was ever properly resolved. 

I am not refusing to cooperate. I am disputing XXXX failure to resolve a dispute they acknowledged and paused before resuming billing, retaining payments for a service not rendered, and escalating the account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
We had a 100 % loss of our home due to fire on XX/XX/XXXX. After negotiating with the insurance company, we received a check for the dwelling made out to me, my spouse, and PennyMac on XX/XX/XXXX. We were directed by PennyMac to use insuranceclaimcheck.com to handle our claim. We endorsed the check and overnighted it to where we were directed to do so. We followed their instructions and sent the required documentation along with a new floor plan which was approved. We received 90 % of the overage ( they held what we owe on the mortgage and 10 % of the overage amount ) over three weeks later on XX/XX/XXXX, thus causing our first significant delay. We were then told to request an inspection once our contractor felt we had reached 25 %. Our contractor felt we were well past that, so we did so, and they sent out a third party to take pictures. We were then told the inspection result came back at 10 %, but they would not provide the inspection report when asked. We requested information on what to do to get the progress to 25 %, but they would not give us a straight answer or show us the inspection report. We requested another inspection a couple of weeks later and were told that we were only at 20 %. They agreed to release 20 % of what they were holding but once again wouldnt give us a straight answer on what to do in order for us to pass the next inspection. It is now XX/XX/XXXX and we have progressed to the point that interior paint is beginning on the home, but once again, their inspection result puts us at only 35 % while our contractor believes we are well past 50 %. They refuse to release funds until we have reached 50 %, but they will not tell us what exactly needs to be done in their opinion to reach that. We are at the point that my contractor is going to have to stop work if they do not release a draw. I have attempted to contact them multiple times on XX/XX/XXXX and today ( XX/XX/XXXX ) and have not received a call back from the claims XXXX assigned to our claim. Our builder has contacted them as well, and they only give us vague answers. We can never get the same person on the phone, and everyone gives us a different excuse for why they will not cooperate. It is very clear this is an attempt to draw interest on the amount they are holding in a restricted escrow account. I have XXXX small children and am being asked to leave my rental house by XX/XX/XXXX because our insurance company will not continue to pay rent due to the PennyMac and XXXX causing an unnecessary delay. We can not afford alternative housing and keep the mortgage current. We believe this company is acting in bad faith by withholding funds from our contractors to continue to rebuild our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XXXX  transferred {$47000.00} out of my sofi savings account. XXXX transfers of {$20000.00}, both into a XXXX XXXX XXXX account. One transfer of {$7000.00} to a XXXX ' account. The transfer was initiated on XX/XX/year> at XXXX pm. I noticed a withdrawal notification same day, XX/XX/XXXX at XXXX when checking my email. I checked my account and saw that the withdrawal was posted and called SoFi immediately and opened a dispute for the fraudulent withdrawal. SoFi denied my dispute on XX/XX/XXXX at XXXX pm. I called back to speak to them and they have reopened another dispute, but they closed my accounts. When the withdrawals were occurring, Sofi did not reach out to me to confirm authorization of the transfers. I have set up unique passwords on my account, and have the added security of biometrics on my phone. I am unaware of how my information was obtained. I have opened a police report with the XXXX XXXX XXXX XXXX ( report no. : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: OR

Complaint narrative:
I am experiencing ongoing and unresolved issues contacting my mortgage loan servicer. The servicers automated phone system repeatedly routes me through long menu trees and then returns me to the beginning of the system without ever allowing me to speak to a live representative. When it does eventually transfer me to a live body, its in a completely wrong department, once I spoke with someone who could only help me apply for a loan. Which I dont need to do, because I already have a loan. This has occurred on multiple occasions and effectively prevents me from accessing customer service. 

The last time I called them was XX/XX/year> and I was on the phone for XXXX, XXXX, and XXXX minutes at XXXX, XXXX, and XXXX XXXX time respectively, without speaking to anyone. 

I have attempted to contact the servicer at different times and on different days, and each attempt results in the same automated loop with no option to reach a human representative. As a borrower, I need the ability to speak with a qualified agent regarding my mortgage account, and the servicers systems make this impossible. 

This lack of access creates significant frustration and concern, as I am unable to ask account-related questions, verify information, or resolve potential issues in a timely manner. I believe this constitutes a failure to provide reasonable customer service access as required under applicable servicing standards. 

I am requesting that the servicer : Provide a reliable method to reach a live customer service representative XXXX and correct the automated phone system that prevents access to assistance Confirm in writing how borrowers can obtain timely support for their mortgage accounts

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation