vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX XXXX XXXX, I received a targeted email from Capital One Shopping offering a promotional bonus : " Get {$50.00} when you spend $ XXXX '' at XXXX XXXX The terms required the spend to be met in a single transaction before taxes and shipping. That same day, I activated the offer and placed an order ( Order Number # XXXX ) with a subtotal of {$63.00}, successfully meeting the requirement. Capital One Shopping successfully tracked the purchase under Trip Number XXXX. The portal correctly recorded the purchase amount as {$63.00}. However, the system incorrectly logged the reward as {$30.00} instead of the {$50.00} promised in my activated email bonus. I contacted standard support to have the missing {$20.00} issued. Despite providing the exact screenshot of the {$50.00} offer I activated, a supervisor incorrectly claimed they had " no records of a higher rewards rate, '' ignoring my attached proof completely. I have since redeemed the {$30.00} that was incorrectly issued to my account, but I am still missing the remaining {$20.00} to fulfill the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
My car was totaled and my lienholder American Honda Finance told me they have 10 to 15 business days to send a letter of guarantee to my insurance company. My insurance company needs this letter so they can send them a check.We are past the 15 days and they have not sent the letter. They have hung up on me two times now multiple times they have told me they will send a letter end of day and have not. I have asked to speak to a supervisor and they said I can not. They said One would call me back and this is not happening. I feel they are doing this to get more money out of me in interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RMA Credit Association
State: TX

Complaint narrative:
I had a lease contract with XXXX XXXX XXXX XXXX XXXXXXXX, an apartment complex located in XXXX XXXXXXXX XXXX. My lease was from XXXX to XX/XX/year>. I notified the leasing office by phone a week before that I would not be renewing as I work only in the area and I live in XXXX XXXX My job was finished. I asked if there was anything else I had to do and they said no just leave key in drop box. Now I am getting charged for XX/XX/year> rent of XXXX which includes a late fee. They state I vacated XX/XX/XXXX. I believe that is the day they went and checked if apt was empty and they are using that day as vacated date. I have proof of my lease. When i started disputing this the apartment manger sent me a vacated notice that clearly is incorrect and seems like they just made it when i asked for proof because you can clearly see that on the vacate notice they entered the wrong date ( XXXX ) keep in mind I left XXXX XXXX. A whole year later they sent me proof of vacated notice with wrong date. They state since I didn't send written notice of not renewing XXXX days prior thats why Im getting charged. No where on the lease does it say i'm responsible for a full month of rent if not sent in written notice. I called and let them know and never was i told to send a notice. I should not be responsible for paying the month of XXXX when i was no longer living on the premises.

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 2026-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Crow Creek Sioux Tribe
State: CA

Complaint narrative:
I took out a loan for {$450.00} from River Valley Loans. They have already withdrawn approximately {$1200.00} from my bank account, which exceeds the original loan amount. Despite this, they are still attempting to collect an additional {$220.00}. I believe this is unfair, excessive, and possibly illegal. I revoke authorization for any further withdrawals and dispute the remaining balance. I am requesting : 1. That the account be marked paid in full 2. That all further collection attempts stop 3. A refund of any overpayment if applicable

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account is being reported with inaccurate and unverifiable information. I did not authorize or establish this account, and it does not reflect accurate reporting on my credit file. Despite multiple disputes, the account continues to appear as verified without proper investigation or supporting documentation. This reflects a failure to conduct a reasonable reinvestigation and violates FCRA 1681i, 1681e ( b ), and 1681s-2 ( b ).

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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I am writing to file a formal complaint regarding several serious issues I have experienced with my credit card account over the past few months. In XXXX and XXXX, I was given incorrect information by Bank of America representatives about how to make my payments. As a result of receiving the wrong instructions, my payments were not processed correctly. I attempted multiple times to contact customer service to resolve the issue, but I was repeatedly placed on hold for several hours without ever reaching a representative. Despite my efforts to correct the situation, my account has now been closed for reasons that have not been explained to me. Even more concerning, two missed payments have been reported on my credit report. These missed payments were caused directly by the incorrect guidance I received from Bank of America, and I am requesting that they be removed immediately. This situation has caused significant frustration and unnecessary damage to my credit history. I expect a prompt investigation and resolution, including : A clear explanation for why my account was closed Removal of the two inaccurate missed payment reports from my credit file Confirmation that my account history will be corrected with all major credit bureaus Please respond as soon as possible so this matter can be resolved without further impact on my credit. Sincerely, 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 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I have screen captures of this as well. On XX/XX/year> I submitted a bill pay for {$11000.00} for 3 months rent from my checking account to my landlord, XXXX XXXX. The remittance of the money occurred on XX/XX/year>. I only realized this when checking today. I received a text from my landlord that they had not received the payment today, XX/XX/XXXX. This was confusing to me as I'd already seen the amount withdrawn from my checking account. I called the bank and was informed there was a new process and they use a 3rd party to send the check. I'd sent a check to him previously in XXXX and in that case the money was not withdrawn until he deposited the check. The transaction was classified as a check and there was a picture of the check he deposited in my checking account. This recent transfer the money was pulled the day after ( or day of, not sure of timing but it looks... odd ). The check was supposed to arrive on XX/XX/year>. So, USAA now treats online XXXX XXXX ( with a check they send ) as an immediate money transfer. The check never arrived. My landlord texted me. I called the bank and they game me a bit of a run around until I was escalated to an account service member. They put a STOP order on the check and said there would be a 10 day review of the case before a provisional credit was put back into my account. Rent is due in They also said, they would review the situation within 45 days. What has upset me about this is I feel USAA is using this new XXXX XXXX approach to pocket the money across their customer base. Put it an account and make money off of it while the check is in " process ''. I'm sure this is adding a few more points to their balance sheet at the end of the day. I have no idea why they made this change other then to take advantage of an immediate transfer of money to invest off of. I'm sure I clicked through or were notified about this change but it just seems like banker shenanigans at the end of the day. I've been a customer with USAA for 15 years, have pushed millions through my accounts and am beyond annoyed that I had to spend my day finding a new bank, pulling money out of other accounts to make rent all so they can make a bit more money off of their customer XXXX XXXX base. I'll be closing my accounts there.

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 2026-04-24 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XXXX I had a fraudulent charge of XXXX XXXX {$2900.00} billed to my PayPal credit/Synchrony Bank acct XXXX XXXX XXXX This was a charge for international flight XXXX XXXX XXXX. This is not my charge.

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 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
I am submitting this complaint regarding serious mortgage servicing discrepancies involving my loan, which was serviced by XXXX XXXX ( XXXX XXXX XXXX ) and is now serviced by XXXX XXXX. Despite submitting Qualified Written Requests ( QWRs ), I have received incomplete and deficient responses from both servicers. Key issues include : Failure to provide complete transaction-level servicing records Failure to explain the classification and application of a XX/XX/year> transaction of approximately {$11000.00} Inability or refusal of each servicer to verify the accuracy of prior servicing data Discrepancies between escrow activity, corporate advance activity, and loan balance reporting Conflicting unpaid principal balance ( XXXX ) figures across loan documents, statements, and credit reporting XXXX has stated it can not provide records because servicing transferred more than one year ago. This does not address my request, which pertains to the period during which they serviced the loan. XXXX XXXX has indicated reliance on prior servicer data but has not provided documentation demonstrating independent verification of that data. These issues have impaired my ability to determine the accuracy of my loan account and may have resulted in improper charges, payment increases, and adverse credit reporting. I am requesting a full investigation and that both servicers be required to : Provide complete life-of-loan transaction histories Provide full corporate advance and escrow ledgers Provide documentation supporting all loan balance calculations Explain the classification and application of all loss mitigation-related funds Correct any errors identified I am submitting supporting documentation demonstrating these discrepancies. This complaint is submitted in good faith to obtain clarity and correction of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
They have emailed me repeatedly about taking me to court or having me arrested about this loan. but the loan was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing a formal complaint regarding the restriction of my Capital One credit card account.I opened this account and made purchases totaling approximately {$11000.00}, which I paid in full within two weeks. After making this payment, my account was restricted on XX/XX/XXXX. I immediately provided all requested verification documents the same day. As of today, my account remains restricted despite a {$0.00} balance and full compliance with all verification requests. I have contacted Capital One multiple times and have been told the review is still ongoing, with no clear explanation or resolution timeline.This situation is unacceptable. I have fulfilled my obligations, and there is no legitimate reason to continue restricting my account or holding access to my available credit.I am requesting the following : Immediate resolution of the account restriction A clear explanation for the restriction Confirmation that my account will be restored without further delay Promotional period extension ( 10 % ) for the amount of days my credit card was restricted If this matter is not resolved promptly, I am prepared to pursue further action through regulatory channels and small claims court if necessary. Sincerely, XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint regarding a processing error by Wells Fargo that caused returned payments to a third-party creditor and resulted in account closure and credit impact. In XX/XX/year>, I contacted Wells Fargo to dispute a transaction. During that call, I clearly stated multiple times that I did not want any action taken that would interfere with my XXXX transactions. I was explicitly assured that my XXXX activity would not be affected. Despite these instructions and assurances, Wells Fargo placed a stop payment that impacted my XXXX transactions. This stop payment was later removed and then reapplied as part of Wells Fargos internal handling. As documented in my written correspondence to Wells Fargo, I reiterated that I did not authorize any action that would interfere with my XXXX payments and relied on the banks assurances that no impact would occur. As a direct result of Wells Fargos actions : A {$200.00} XXXX payment due on XX/XX/year> was returned despite sufficient funds ( fee assessed on XX/XX/year> ) A {$200.00} XXXX payment due on XX/XX/year> was also returned despite sufficient funds ( fee assessed on XX/XX/year> ) Prior to these events, my XXXX XXXX account had a consistent payment history with no returned or missed payments. Wells Fargo has acknowledged that the stop payment was placed incorrectly and reimbursed the associated fees. However, this error caused consequences beyond fees : My XXXX XXXX account issued by XXXX XXXX ( account ending in XXXX ) was closed on XX/XX/year> as a result of these returned payments I was subsequently denied credit on XX/XX/year> by XXXX XXXX citing unsatisfactory payment history tied to these events These outcomes were caused by Wells Fargos error, not by insufficient funds or any failure on my part. While Wells Fargo corrected the internal error and reimbursed fees, they have not taken appropriate action to address the external financial and credit impact caused by their actions.

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 2026-04-24 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
Back on XXXX American Express closed my XXXX and XXXX credit cards without warning or reason. When I requested clarification and information, their agents online and on the phone, XXXX, XXXX, XXXX, and XXXX stated I was a fraud. I never did anything wrong. Also, when I explained that the cards are necessary for my XXXX XXXX the agents said I should die.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Complaint Against Credit Acceptance Corp Improper Repossession Handling, Lack of Notice, and Credit Reporting Errors I am filing a formal complaint against Credit Acceptance Corp regarding a repossessed auto loan account. My vehicle was repossessed, but I have never received any Notice of Sale, auction information, or post-sale accounting. The company has informed me that the vehicle allegedly did not sell at auction, yet the company continues to : - Increase the alleged balance ( now approximately {$15000.00} ) - Apply interest and fees without explanation or documentation - Report the account to XXXX as an active/owed balance Key Issues 1. No Required Notice Provided I never received any legally required notice of disposition or sale of the vehicle following repossession. 2. No Proof of Commercially Reasonable Sale The company claims the vehicle did not sell at auction but has provided no documentation showing : - Auction attempts- Bids received - Reason for rejection of bids - Current status or disposition of the vehicle 3. Improper and Increasing Balance Despite no confirmed sale, the balance continues to increase due to unexplained interest and fees. 4. Credit Reporting Issues The account continues to be reported to credit bureaus as a valid and increasing debt despite the lack of supporting documentation and unresolved dispute. Consumer Harm This situation is negatively impacting my credit profile and financial standing while I am not being provided any documentation verifying the legitimacy of the balance being reported or collected. Requested Resolution I am requesting that CFPB require Credit Acceptance Corp to : - Provide full documentation of repossession, notice, and any attempted sale - Provide a complete and itemized accounting of the debt - Correct or delete inaccurate reporting from all credit bureaus - Cease collection activity until compliance is demonstrated I am also requesting investigation into whether this account was handled in compliance with applicable consumer protection laws, including proper repossession and reporting procedures. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX

Complaint narrative:
I have previously submitted complaints regarding XXXX XXXX as the servicer of my mortgage. I am submitting this additional complaint to clarify and connect ongoing concerns involving both XXXX XXXX and Lakeview Loan Servicing LLC, which are associated with my mortgage account. I recently received a class action settlement notice related to Lakeview Loan Servicing LLC, raising concerns about potential data security or servicing-related issues. This is particularly concerning in light of my prior complaints involving XXXX XXXX. During this same period, I have experienced significant financial hardship, including a sudden and substantial increase in utility costs tied to a suspected infrastructure issue, as well as a loss of household income. These overlapping issues have placed my household at risk of housing instability. I am also being approached by a third-party investor attempting to have me sign over the deed to my home while keeping the mortgage in my name, which raises concerns about potential predatory practices during a time of financial vulnerability. I am also the primary caregiver for my elderly mother, who is the surviving spouse of a veteran, and maintaining stable housing is critical to her care and well-being. I am requesting that the CFPB review my mortgage account holistically, including the roles of both XXXX XXXX and Lakeview Loan Servicing LLC, to determine whether there are any servicing irregularities, data security concerns, or consumer protection violations contributing to my current situation. I am requesting prompt review and guidance to ensure I am protected from further harm.

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