vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berman & Rabin, P.A.
State: TX

Complaint narrative:
I have asked on several occasions via phone and email for all balance ledgers and fees. I also have requested to speak or handle this situation with someone other than the representative that has been handling my case. I asked for proof of what all third parties are affiliated because they processed a {$200.00} payment over the phone with a recording that the payment was authored for Berman and Rabin and the payment was proceeded by XXXX XXXX. No company letterheads no legitimate addresses. I reached out to my HOA and they informed me they have received many complaints on this company. I have sent numerous emails in requests such as ledgers, third parties and they have not been able to disclose or provide me with any information.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: SC

Complaint narrative:
I used my debit card at XXXX XXXX I didnt get the funds I reached out to Robinhood and in return they blocked my account. This is my only account and I have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an American Express XXXX XXXX on XX/XX/year>, after seeing an offer advertising that applicants could receive XXXX Membership Rewards points. While the fine print included the phrase as high as, I believe the overall presentation of the offer was misleading. I have a strong credit profile and a high credit score, yet I was approved for only XXXX points, significantly below the advertised XXXX offer. Based on how the promotion was presented, I had a reasonable expectation that I would qualify for the higher offer. I contacted American Express twice to file complaints regarding this matter : XX/XX/year> : Complaint reference number XXXX XX/XX/year> : Complaint reference number XXXX During these calls, I also requested written confirmation of my complaint, either by email or through my American Express online portal. I was told that, for security reasons, American Express would not provide me, the customer who filed the complaint, with a written record of the complaint. I find this concerning and unreasonable, especially since I am simply asking for documentation of my own complaint. I believe I was misled by the way this offer was advertised. The promotion gave the clear impression that qualified applicants could receive XXXX points, yet despite my strong credit profile, I received only XXXX points with no clear explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
Resurgent bought this debt LVNV FUNDING XX/XX/XXXX. These 2 bills are from XXXX. Legally they cant sue me for these bills since they are from XXXX. And it states that on the letter. They sent it to a former address. I did not contact them & won't be contacting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I dispute LVNV Fundings attempt to collect and furnish this alleged debt. I requested validation and documentation supporting LVNVs ownership/assignment of the account, original creditor information, itemization of the balance, and documentation supporting the accuracy of the information being furnished to consumer reporting agencies. This was not adequately provided. XXXX removed this tradeline following dispute/reinvestigation, yet the account continues to be reported elsewhere, creating inconsistent reporting concerns. If LVNV can not provide competent documentation establishing ownership, balance accuracy, and authority to collect/furnish, this account should not continue to be reported or collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding an auto loan with Western Funding related to a vehicle purchased in XXXX, Florida in XXXX. Shortly after the purchase, within days and weeks, the vehicle began experiencing serious mechanical and electrical failures, including a persistent engine oil leak and repeated electrical and power failures occurring multiple times in the same day ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX), along with loss of acceleration and erratic speedometer behavior, creating an unsafe driving condition. I immediately reported these issues to the dealership and requested assistance. The dealership minimized the problems and failed to provide proper repair, replacement, or resolution. I also requested a replacement vehicle, but this request was refused. The vehicle continued to deteriorate despite reporting the issues. Independent inspection confirmed significant mechanical failure and abnormal engine oil loss. Eventually, the vehicle became completely inoperable and remains out of service. In addition, I repeatedly requested a copy of the signed retail installment contract and full loan documentation, but I was never provided with these documents. Due to these unresolved issues, I am formally disputing the validity of this loan and requesting full documentation, including the signed contract, complete account ledger, and all servicing records related to this account. All communication should be conducted in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I paid off a loan in order to receive the title to resell the vehicle ( its a boat under a XXXX loan ). I was told by the branch manager that as soon as the loan showed XXXX they would send a lien release. When I went to get this done, they manager said they were not able t to do so. I have tried to contact several people to at least get a release of lien so i can get a duplicate title and they said they cant accomplish that, even though the loan doesnt even show up on my side anymore and the funds have cleared. They said it will take TWENTY business days to release the lien, which would make it virtually impossible for anyone to sell something and give a title to the new buyer. There has to be a solution to provide me with a document that there is no longer a lien- this is a completely unnacceptable and onerous process and I was lied to by the branch manager along the way

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 2026-05-11 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: MI

Complaint narrative:
On XX/XX/XXXX I placed an order for a XXXX XXXX XXXX XXXX. My package was delivered on XX/XX/XXXX, damaged. A claim was filed with XXXX. I contacted XXXX XXXX XXXX and submitted pictures. A refund was suppose to be issued. A refund was never issued. I contacted Wells Fargo customer service and let them know about the issues that I've been dealing with. Wells Fargo opened an additional claim along with the claim that XXXX opened. XXXX XXXX XXXX didn't complete the claim paperwork for two months with XXXX. The claim was resolved/paid on XX/XX/XXXX by XXXX. My account is still negative because XXXX XXXX XXXX never refunded my order, which was placed on XX/XX/XXXX and finally resolved on XX/XX/XXXX. I have sent physical documentation to Wells Fargo when my claim was opened. I will include the screenshots from my order and the XXXX portal showing that they resolved the claim in XXXX. I can't make any deposits to my Wells Fargo account because of this issue and I am being charged monthly account fees. I would like to get this resolved soon so that I could pay my monthly fees and bring my account back to normal.

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 2026-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MN

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 explanation
Consumer complaint received 2026-05-11 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: CL Holdings LLC
State: SC

Complaint narrative:
The Jefferson Capital Systems/XXXX account is reported with different dates, statuses, pastdue amounts, and account types across XXXX, XXXX, and XXXX. These conflicting details can not all be accurate. I am requesting an investigation and removal because the information is inconsistent, unreliable, and can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 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: Chime Financial Inc
State: ID

Complaint narrative:
they just sent an email asking for info ive already sent them twice??? i sent it when the dispute was started and again on XXXX??? the email tells me to follow steps that do not exist. but ive already sent them this XXXX info 2 times???

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
For about a year I have been calling the company telling them my payment is wrong and trying to find out why app always says I owe over $ XXXX. I was told not to worry about it. About 6 months ago I called and asked again and was given a schedule of payments and told at the end of my loan I would have a balloon payment of {$34000.00}. I advised that was not anywhere in my initial contract. I also had inquired as to why half or more of my monthly payments were going to interest. I was told I owe interest and it changes. My initial loan from XX/XX/year> was for $ XXXX after XXXX years I still owe $ XXXX. After talking to several associates who could not give me any answers I was sent to a few managers. Finally one agreed the monthly amount was wrong and would have my acct audited. I was told this would take a week. About 2 months later it was done. They advised they adjusted the monthly amount to the correct amount but stated I would owe $ 13k at the end of loan even though it was an error on their part. They stated I should have called. I asked the rep to look at notes and see that I have been calling for over a year and she verified I did but said they cant do anything about it. When I go into the app XXXX cant pay more than {$460.00} even though my " fixed '' payment is {$760.00}. When I owed $ and paid it they advanced it to the next months payment. They recently sent me a bill for about {$700.00}, then {$1100.00} and then {$1400.00} saying it is all interest I owe but no itemized statement. I have been calling them to get a statement and notes from my acct and no one will answer my calls or call me back.

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 2026-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Re : Formal Credit Report Dispute Under the Fair Credit Reporting Act ( FCRA I am writing to formally dispute inaccurate, inconsistent, and unverifiable information currently being reported on my credit file associated with EXPERIAN , XXXX XXXX After reviewing my credit report, I have identified significant issues with my personal identifying information. There are numerous variations and misspellings of my name, as well as multiple addresses that I do not recognize or have never been associated with. These inaccuracies strongly suggest that my credit file may be mixed with another individuals information.

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 2026-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CO

Complaint narrative:
I applied for the Frontier Airlines XXXX XXXX directly through the XXXX app under the advertised offer stating {$0.00} intro annual fee, then {$99.00}. I was charged the {$99.00} annual fee immediately, which contradicts the disclosed promotional terms. I already contacted customer service and was denied a refund. The representatives have stated only that the fee depends on the application channel, but have not provided any evidence that I applied through a different channel or under a different offer. Ive asked for them to provide the specific application source/offer code associated with my application and the terms tied to that source. Which they failed to do.

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 2026-05-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OR

Complaint narrative:
It appears once again this bank is giving me huge problems and maybe even attacking me. I sent an ira transfer request in the mail on XX/XX/XXXX and just today the XXXX, the bank says they do not have it. I dont think I have ever had mail lost in my whole 71 years. This does not sound likely. I went through about 7 phone calls and about 10 people I talked to get this claim by them. One of the calls once again claimed I could not talk to any supervisor as she couldnt verify me. Same as before. She was flipping the account # s around that I read to her. I need to know what is going on with this transfer request and stop any shenanigans if that is what is going on. I need this transferred and quit messing with my life. This is and has cost me money. I am also owed for all of the lost income on this 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 explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL LL 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 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing regarding a wire transfer in the amount of {$100000.00} USD that was sent on XX/XX/year>, by a customer for the purchase and shipment of XXXX vehicles. The funds were sent willingly and deliberately as part of a legitimate business transaction. Since the transfer was made, the funds have reportedly been placed on hold pending review. We were informed that if no fraud or dispute was reported by the sender, the funds would eventually be released. It has now been approximately XXXX months, and the matter still remains unresolved despite there being no reported issues from the customer regarding fraud, unauthorized activity, or loss of funds. The sender completed the wire transfer knowingly and voluntarily for the agreed business purpose. We respectfully request a formal review and update regarding the current status of the held funds, including clarification on the reason for the continued delay and the necessary steps required for release. We kindly ask that this matter be handled as soon as possible, as the prolonged hold has significantly affected business operations and the completion of the intended transaction. Thank you for your attention to this matter. We look forward to your prompt response and resolution. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Dear CFPB : Synchrony bank care credit cards require resolute closure, as the open accounts are interfering with online Care Credit Mastercard Application approval. ( XXXX. ) APPLIED ON XX/XX/XXXX, XXXX, XXXX PRIOR CARE CREDIT CARD ( VOLUNTARILY CLOSED ) XXXX ( XXXX. ) APPLIED ON XX/XX/XXXX, XXXX, XXXX PRIOR CARE CREDIT CARD ( VOLUNTARILY CLOSED ) XXXX The NEW MASTERCARD APPLICATION CAN'T PROCESS, BECAUSE OF THE PRIOR APPROVED CARE CREDIT CARDS, THAT SYNCHRONY BANK DEFIANTLY REFUSE TO CLOSE AND PROCESS OUT OF THEIR SYSTEM. I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. XXXX Blessed, XXXX XXXX XXXXXXXX XXXX PHONE : XXXX EMAIL : 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 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
Summary of Events In XX/XX/year>, the XXXX XXXX XXXX XXXX, via XXXX, automatically submitted my Income-Driven Repayment ( IDR ) plan recertification application to my federal student loan servicer, MOHELA, as part of the standard annual recertification process. On both XX/XX/year> and XX/XX/year>, I received a secure message from MOHELA confirming that my application for the Pay As You Earn ( PAYE ) plan had been approved. The approval message stated that my monthly payment would be {$0.00}, effective XX/XX/year>, and indicated that a letter with plan details would be sent and that I should continue to monitor my account for updates and correspondence. As of XX/XX/year> approximately XXXX weeks after the approval the approved PAYE plan has not been implemented on my account. It does not appear as my active repayment plan in MOHELA 's online account portal, and it is not reflected on studentaid.gov, which continues to show my prior plan status. I have not received the formal plan approval letter referenced in the XX/XX/XXXX message. On XX/XX/year>, I received a separate secure message from MOHELA acknowledging receipt of an IDR application and stating that applications are processed in the order received. This message provided no explanation for why the previously approved application from XXXX had not been implemented, and made no reference to the existing XX/XX/XXXX approval. I contacted MOHELA by phone to inquire about the status of the implementation. The representative confirmed that my application is shown in their system as approved but not yet processed, and that it has been in that status for an extended period. The representative was unable to provide a timeline for when the approved plan would be implemented to my account or reported to the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Harm The delay in implementing the approved IDR plan has the following effects : My account does not currently reflect the correct repayment plan, and studentaid.gov does not show my approved plan or effective date. I have not received the formal written approval letter that MOHELA stated would be sent. Because the approved plan has not been implemented, my Public Service Loan Forgiveness ( PSLF ) and IDR qualifying payment count can not be properly updated for the relevant period, which directly affects my progress toward loan forgiveness. The XX/XX/year> acknowledgment message creates ambiguity about the status of my account and whether the XX/XX/XXXX approval remains valid.

Company response to consumer: Untimely response