vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I applied for a VA IRRRL refinance with Navy Federal Credit Union in early 2026. During the initial stages of the process, I was presented with an interest rate of approximately 5.25 % along with estimated closing costs around {$8000.00}. Throughout the process, there were delays in communication and processing. As a result of these delays, my rate lock expired. After the rate lock expired, I was presented with significantly worse loan terms, including higher costs and less favorable conditions. I attempted to address these concerns by communicating with my loan officer and later with a manager. While explanations were provided, the outcome remained that I could no longer obtain the originally discussed terms due to circumstances outside of my control, specifically delays in the process. Additionally, the updated loan estimate showed a substantial increase in cash to close ( approximately {$17000.00} ), which was significantly higher than initially expected. This change created a financial burden and made the refinance less beneficial. I believe the process was not handled in a timely or consistent manner, and the delays directly impacted my ability to secure the originally presented terms. I am requesting a review of this situation and whether the handling of my application and rate lock expiration was appropriate. I would like clarification on whether the delays and resulting loss of the original rate were consistent with Navy Federals standard practices and VA IRRRL guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I reached out to Synchrony Bank on XX/XX/year> The operator/agent could not explain why the Synchrony Bank interest rate is so high. My balance as of today, XX/XX/year>, is {$100.00}, and I would no longer like to keep using and paying this ridiculous charge. My concern is that my XXXX score will decrease after I close this account. How are they able to request such a high interest rate and not consider your XXXX score? This is price gouging at its finest. Sadly, I thought it would have gone down by now after being a loyal cardholder.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Repeated daily harassing phone calls with voicemails. They change the numbers often as well to double down on the harassment.

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 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: MS

Complaint narrative:
The XXXX number called and wanted to collect a debt from a place I had just got off the phone with, XXXX XXXX car in XXXX, XXXX XXXX They wanted a name and phone number. I told them their fraud and I'm going to report them. They could be impersonating an lawyer of the collection agency to collect debt or stole my identity. I do not have a balance or anything with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I am attempting to manage my account with XXXX but have been unable to access my account online because the website does not allow me to retrieve or reset my username and password. I have attempted this on XX/XX/year>, XXXX with no success. I have made multiple attempts to contact customer service using the phone numbers provided, but I have been unable to reach a live representative. Additionally, I am being charged for paper statements that I do not want. I would like to switch to paperless billing immediately and have any related fees stopped. At this time, I am requesting the following : Immediate assistance gaining access to my online account Enrollment in paperless billing Removal of any paper statement fees A reliable way to contact customer service going forward This lack of access to my account and inability to reach support is unacceptable and is preventing me from properly managing my financial obligations. I would like this issue resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally disputing the following accounts as fraudulent and unauthorized. Under the Fair Credit Reporting Act, I am demanding the immediate permanent deletion of these items from my credit report. These accounts were opened without my consent, and their continued presence constitutes a reporting error that is causing me ongoing financial harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I believe this happened and XXXX they sent out the reference number and they blocked my debit card to and put a freeze on my account and I keep telling them I'm not no shape going into the bank I got nobody to help me I'm XXXX and I can't 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 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint regarding actions taken by Navy Federal Credit Union related to an old charged-off secured credit card account. Several months ago, my debt settlement company, XXXX XXXX XXXX, contacted Navy Federal Credit Union on my behalf to discuss resolving this debt. After that communication, I contacted XXXX XXXX and was told they had spoken with my debt relief company about the account. Last week, I contacted XXXX XXXX again to discuss the account and was told by a representative that there were no inaccuracies with their reporting. During that same call I was told that the account had been assigned to a third-party collection agency and that I would need to contact that third-party collector directly if I wanted to make payment arrangements. Based on that information, I understood that the debt was being handled by a third-party collector and not directly by Navy Federal Credit Union XXXX However, on XX/XX/year>, I discovered that Navy Federal Credit Union removed nearly all of the funds from my deposit accounts ( XXXX ) and applied the money toward the charged-off credit card balance. The funds taken included a tax refund deposited by the Internal Revenue Service along with deposits intended for personal and business expenses. When I contacted XXXX XXXX about the withdrawal, I was told that the debt had been transferred back from the third-party collector to XXXX XXXX XXXX this week and that they exercised their right of offset to remove the money from my accounts. This was extremely concerning because only days earlier I was told that the account was with a third-party collector and that I needed to contact that collector to make payment arrangements. At no time was I notified that the debt had been transferred back to XXXX XXXX before they removed the funds. After the withdrawal, my savings account was reduced to {$0.00} and my checking account was left with only {$0.00}. This left me without funds for essential living expenses and business obligations. I believe XXXX XXXX XXXX XXXX communications regarding who was collecting the debt were misleading and that the sudden removal of nearly all of my funds caused significant financial hardship putting me in another XXXX and causing anxiety attacks currently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I deposited the proceeds from the sale of my home into my XXXX account on XX/XX/XXXX and transferred {$50000.00} to open a new Apple/Goldman Sachs savings account . Immediately after, I scheduled XXXX creditcard payoff payments ( Apple Card, XXXX, and XXXX ). Goldman Sachs gave conflicting explanations : first stating the payments would not process because the account was too new, then stating they would process after verification. Only the Apple Card payment was taken ; XXXX and XXXX were returned. When I attempted to transfer my remaining funds back to XXXX, my entire XXXX savings account was locked without notice. I now have no access to my own {$50000.00}, no clear explanation, and was told there were no notes on my file. A new case was opened with a XXXX day review, leaving me unable to access the proceeds of my home sale or pay creditors. I am requesting immediate release of my funds and a clear explanation for the account hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I bought a pair of shoes online from this company. They didnt fit as expected. I initiated a return. Paid their {$5.00} fee to return an item. The item was marked return delivered on or about XX/XX/XXXX. On XX/XX/XXXX I received an email from the company stating I would receive my refund within 7 days. That has not happened. Attempts to contact the company directly result in an endless loop of AI chat bots that offer no help. I have documentation of the returned item and expected return of the payment. attempts to dispute this through Goldman Sachs get denied with no explanation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I'm saying no they have not provided this information because I have not received it yet and I'm going to just report this right now for my understanding it is on the way and the mail and I'm also redoing this report because I want to upload some photos that I did not have access to access to at the time of doing the original. I also want to add that I specifically told this young lady XXXX that was my whole reason for setting up the account with them and I did not want the account if they were not going to honor the bill of exchange so if you're not going to honor the bill of Exchange I don't want to waste my time of yours and again her exact comment was there is no reason why they should not be able to honor the bill Exchange and if you have any issues contact me. That's a misleading statement of yes to me. Also was I spoke with her a day later after the XXXXXXXX XXXX XXXXXXXX on the initial call she stated give me time on my end there has to be some adjustments on the back end to get this account situated and right so again that's misleading the LIE of technically saying you're going to honor the bill of Exchange

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am attempting to recover an escrow overage refund exceeding {$12000.00} from U.S. Bank, and have encountered repeated misinformation, delays, and a complete lack of accountability. I was initially told that my refund check will be mailed on XX/XX/year>, with an expected delivery timeframe of 710 days. After that timeframe passed and no check was received, I followed up and was then told I would need to wait an additional two weeks. This directly contradicted the original information provided. Upon further escalation, I received conflicting and unreliable information from multiple representatives. A live agent stated that the check had not been mailed at all, while a senior manager claimed it had been mailed the previous day. At no point has anyone been able to provide any mailing confirmation, or any proof that the check was actually issued or sent. I requested that the check be reissued and expedited due to the banks failure to process the original disbursement as represented. Despite acknowledging delays and even stating that overnight delivery could be approved, representatives refused to confirm when the check would actually be shipped or provide any verifiable tracking or documentation. This demonstrates a clear breakdown in process, communication, and customer handling. I have been given multiple contradictory statements, no verifiable proof of payment, and no reliable timeline for resolution. Meanwhile, a significant amount of my funds remains withheld without justification.

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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
This is now my 3rd complaint and a year of trying to resolve this. At the last response from Hancock, they included a breakdown of payments applied. They have said that a payment was missed because of the escrow account. They took the payment and applied it when there should be no escrow account to start with. I will be attaching 14 months of bank records showing that my payments were made correctly and on time every month. I am still continuing to receive delinquent notices when the delinquency was caused by Hancock mis-applying a payment. Obviously, there is a reason that they have over XXXX XXXX complaints against them. There is literally no reason why they can not fix their own mistake and try to blame the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: LAKEVIEW LOAN SERVICING, LLC
State: MD

Complaint narrative:
I was placed on a trial payment plan with Lakeview Loan Servicing and made payments as instructed. My bank statements show payments made on XX/XX/year> and XX/XX/year>, both in the amount of {$3100.00}. On XX/XX/year>, I contacted the company and was told by a representative that my trial payment plan was successfully completed. Based on this information, I believed I had satisfied all required payments. At no point during that conversation was I informed that any payment was missing or had been returned. However, on a later call, I was informed that one of the required payments had been returned. This was never clearly communicated to me during the trial period or at the time I was told the plan was complete. I relied on the servicers statement that my trial plan was complete. If a payment issue existed, it should have been disclosed at that time so I could correct it. I am requesting that the servicer identify all required trial payment dates and clearly specify which payment they are claiming was returned, including the date, amount, and reason. Due to this conflicting and inaccurate information, I am now at risk of foreclosure. I am requesting a full review of my account and reconsideration for a loan modification due to servicer error and miscommunication.

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 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
Complaint Against : PHH Mortgage Services ( XXXX XXXX XXXX XXXX ) I am filing a formal complaint regarding ongoing mortgage servicing errors that have resulted in financial harm and an improperly created delinquency status. Beginning in or around XX/XX/year>, my mortgage servicer failed to properly process valid homeowners insurance documentation. Despite continuous valid insurance coverage, the servicer improperly imposed force-placed insurance, applied unauthorized escrow charges, and assessed late fees. The issue was addressed and corrected in or around XX/XX/year>. However, the same issue reoccurred in XX/XX/year>, demonstrating a repeated failure to properly service the account. As a result of these servicing failures : I was charged for force-placed insurance despite having valid coverage Unauthorized escrow charges were added to my account Late fees were assessed due to servicer-caused disruption My account was incorrectly marked delinquent These issues are not the result of borrower noncompliance, but rather a failure by the servicer to properly process and maintain accurate account information. I have made repeated efforts to resolve this issue, and the servicer has had ample time to correct these errors. Despite this, the problem has persisted and reoccurred. I am requesting the following resolution : Immediate correction of my account to reflect accurate, non-delinquent status Full removal and reimbursement of all improper fees and escrow charges Cancellation and refund of all force-placed insurance charges Correction of any negative reporting associated with this issue Deferral of any payments deemed missed to the end of the loan, as these resulted solely from servicing errors This matter reflects a pattern of servicing failure and requires immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am filing a complaint regarding a Wells Fargo credit card account issue on the Wells Fargo website. When viewing the transaction history for my Wells Fargo credit card online, the running balance appears on the first page of transactions, but disappears when moving to later pages. This issue appears to affect the credit card account transaction history only. It does not appear to affect my other Wells Fargo accounts. This makes it difficult to accurately review account activity, verify balances, and reconcile transactions across the full credit card history. I have raised this issue with Wells Fargo multiple times over the years, but it has not been corrected. In addition, Wells Fargos online feedback/complaint path has not been functioning properly for me, which has made it harder to submit this issue directly through their website. This is not just a cosmetic problem. The lack of a continuous running balance on later transaction pages makes the online account history materially less useful for reviewing charges, payments, credits, and balance changes. I am requesting that Wells Fargo : 1. Correct this issue so the running balance appears consistently across all pages of credit card transaction history, or 2. Provide an equivalent ledger-style view that shows a continuous running balance across the full transaction history, and 3. Provide a written response explaining why this issue has not been corrected despite prior reports I would like Wells Fargo to investigate and respond in writing.

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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
I filed a dispute because when I was XXXX someone took XXXX from my account and it wasn't me. I sent proof that I was XXXX so it couldn't of been me. They closed my account and said they would send me a notice once they investigated but they denied it at first I re disputed it and javnt heard a thing

Company response to consumer: Closed with explanation