vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
We used to own XXXX XXXX XXXX in XXXX, TX, associated with Roundpoint. We sold XXXX properties, all with Rounpoint Mortgages, in 2024. I am not able to see which loan exactly is still outstanding from the credit agencies. The The loan numbers were : Loan Number : XXXX Loan Number : XXXX Loan Number : XXXX All XXXX loans were paid off at closing. XXXX has reappeared off and on over the last 6 months, and has been showing for the last XXXX months, despite many emails and calls to Roundpoint. I have the full email thread with dates showing I have been requesting this loan to be changed in my credit report from " open, with $ due '' to closed and paid in full. They have not provided a solution and continue to send automated emails in response. I have attached the XXXX loans, showing all XXXX paid in full, the closing documents, and tax records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Ive been talking to Chase bank for over six months now in regards to receiving the funds that my client paid me for a services rendered via credit card payment. Chase has been holding the payment for over six months without any reasoning to why. The money is now in limbo, and I have contractors or threatening to place a lien because they have not received funds for their services rendered from the money that the client paid me. Please see below Hello, Thank you for your patience while we reviewed your account. We regret to inform you that we will no longer be able to process payments for your business. Any funds in your account have been placed in reserve and will be reviewed for potential release in about 4 months from the closure date of XX/XX/XXXX We apologize for any inconvenience it may have caused. Unfortunately, due to our review 's proprietary nature, we can not provide further information about this decision. Thank you. Today as of XX/XX/XXXX of XXXX this is the email I received from XXXX XXXX, At this time, any remaining funds held on your account are not able to be released. We appreciate your understanding and will notify you if there are any updates regarding your account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: NY

Complaint narrative:
Amsher is trying to collect a debt that belongs to my ex wife, I have asked numerous times for them to provide the original contract from XXXX XXXX and they have yet to provide it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This account does not belong to me and is the result of identity theft. I did not open or authorize this account. I am requesting that it be investigated and removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Incorrectly applied my payment to wrong account for the XXXX time. I attached prior complaint resolution that shows this happened before Below is email I sent to : XXXX XXXX XXXX Attachments XXXX ( XXXX minutes ago ) to XXXX You incorrectly applied Check # XXXX Dated XX/XX/year> payment to : XXXX XXXXXXXX When the proper applied account should XXXX XXXX XXXX XXXXXXXX Please be advised that you posted my check number XXXX dated XX/XX/year> to the wrong account. See attached! Please correct as soon as possible! This has been multiple times this has occurred if this doesn't get corrected I will be filing a Consumer Financial Protection Bureau complaint/report. I can not believe that this continues to be a problem with staff that can not post to the proper account when the check includes the Account number in XXXX places on the check! ( Account # XXXX ) I am attaching a full pdf showing all my payments. Making my balance as of XX/XX/year> {$200.00} Please email me confirmation that this has been corrected. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Account # 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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX ( VIN : XXXX ) was involved in an accident. The vehicle was later deemed a total loss by my insurance company in early XX/XX/XXXX ( XXXX XXXX initially delayed processing, but this complaint concerns BRIDGECREST, the lender ). Bridgecrest initially applied my XXXX Vehicle Service Contract refund of {$1600.00} on XX/XX/XXXX, followed by the insurance total-loss payment of {$11000.00} on XX/XX/XXXX as appropriate. However, on XX/XX/XXXX, Bridgecrest applied my GAP insurance payment from Ally in the amount of {$6700.00} while SIMULTANEOUSLY REVERSING the {$11000.00} total-loss payment without explanation, causing my account balance to INCREASE unexpectedly instead of reducing to {$0.00} ( or negative if this results in a refund ), despite all payments having been properly issued and no further action required on my part. A regular loan payment is due in just TWO DAYS, which I should not need to make at this juncture. I have confirmed with my insurance company ( XXXX XXXX ) that the total-loss payment was cashed, and therefore validated, by Bridgecrest, so the reversal should not have occurred for any reason. Despite multiple calls and escalations, Bridgecrest has not corrected the reversal and has opened a trouble ticket that could take up to THREE ADDITIONAL WEEKS to resolve, forcing me to incur unnecessary expenses, and potentially additional interest accruals, in the meantime. I request that the CFPB : Ensure Bridgecrest immediately applies the total-loss payment correctly. Investigate why the payment was erroneously reversed. Confirm that my account reflects the accurate remaining balance. Prevent any unfair charges or additional payments resulting from Bridgecrests error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lloyd & McDaniel, PLC
State: SC

Complaint narrative:
Attached I included the court documents and judgement along with my formal request for paid in full or complete removal, and the collection agencies response. I also have attached email chain from company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo violated Regulation E by reversing a merchant-authorized credit of {$380.00} without the required 10-day advance notice or a 5-day grace period for transactions, causing a negative balance. They have double-reversed a {$180.00} ticket refund that the merchant already agreed to 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 monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My wallet was stolen. I filed a police report and locked my social security number because the card was in my wallet. My tax prepaid card was in my wallet along with all my information. They made XXXX large atm withdrawals, paid bills for companies I dont have and serve American Express through XXXX XXXX XXXX to give my money back with evidence. I have proof of my actual phone company and the cards I have my XXXX as well. I want my money back. I wasnt even in the area when the withdrawals were made. I was flying back from Texas which I have proof of.I had to use my passport just to board because I dont have id or drivers license because of my wallet being stolen. My phone is free through the government. And my WiFi company is XXXX XXXX XXXX. I couldnt even lock my card so this wouldnt happen. The company allowed this. I have documentation of everything. And on call with the supervisor she informed me that on my end its said I activated my card but it wasnt in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am submitting this complaint regarding the accuracy of credit reporting on my VA mortgage serviced by Freedom Mortgage. On XX/XX/year>, I proactively contacted Freedom Mortgage to report an unexpected job loss and request hardship assistance. I made it clear at that time that I was experiencing financial difficulty and needed assistance to avoid delinquency. Although I notified the servicer early, my account was not formally placed into a hardship or forbearance plan until XX/XX/year>, with the plan effective XX/XX/year>. During the period between XX/XX/year> and XX/XX/year>, Freedom Mortgage reported my account as delinquent for XXXX and XX/XX/year>. This reporting does not accurately reflect the circumstances. I acted in good faith by notifying the servicer before my account became severely delinquent and requesting assistance. The delay in processing and approving the hardship program was outside of my control. As a result, I am being negatively impacted for a period in which I had already engaged the servicer and was actively seeking assistance. I am requesting that the late payment reporting for XXXX and XX/XX/year> be corrected or removed, as it does not fairly represent the account status during that time. The account has since been brought current and remains in good standing.

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 2026-04-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The Following companies, Equifax , XXXX, XXXX, XXXX, XXXX, Affiliates, are in possession of my stolen credit card ( 15 usc 1602 ) personal social security account information, absent my knowledge, consent and/or agreement ( 15 usc 1692c ). I have forwarded an opt out demand, verification disclosure, cease and desist communications letter to the aforementioned, identifying the identity theft accounts. Equifax , et al, has failed and/or refused to implement a block. I have also demanded specific verifications : ( 1 ) Any insurance claims ; ( 2 ) chain of title ;, i.e. Letters have also been forwarded to alleged creditors, providing consent to pay upon showing of loss under gaap, to which no company has responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: NJ

Complaint narrative:
I went to XXXX and try to purchase XXXX XXXX for {$4600.00} and that time i pay from my Cash app card amount of {$250.00} and it went through but the rest of balance i don't have enough credit in my macys account so it didn't go through and whole transaction cancelled by XXXX employee. i have the receipnt i attached with this message for you to take a look. I waited XXXX to 3 days so the amount {$250.00} didn't came back to Cash app account, then i called cash app and make a dispute with them and they denied that and said this went through and macys didn't return them back, i call cash app again and did appeal about this amount {$250.00} but they rejected that again. This amount should come back to my account since this purchase got cancelled. please see the attached cancelled receipnt dated XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: DE

Complaint narrative:
On XX/XX/XXXX, I was charged {$520.00} as part of a {$5500.00} installment plan for an online training program that included a job guarantee, XXXX months of post-graduation career services, and lifetime access to materials. After completing the course, the company announced it was entering insolvency and would cease operations on XX/XX/XXXX, terminating all services and access. I contacted the merchant and was informed these services could no longer be provided. I then disputed the {$520.00} charge with Capital One on the basis that a significant portion of the purchased services could not be delivered. Although I provided documentation showing the companys closure and inability to fulfill its obligations, Capital One denied the dispute, stating they could not recover funds due to the merchants bankruptcy, rather than evaluating whether the services were not rendered as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I booked a hotel room for XX/XX/year> and used Affirm to pay for the room. I made a payment to my Affirm account, but in the meantime, I also cancelled the room. The room had NO cancellation fees and was cancelled well before the stay would have taken place. The hotel sent me a confirmation of cancellation. Affirm credited my account but did not credit the payment that I had made to them. So, they basically KEPT the payment I made. Refusing to return it. I filed a dispute, and they tried to tell me that the hotel kept the payment. I contacted the hotel, and they assured me they had received NO money from Affirm and I had cancelled the reservation before Affirm had even sent them any money. Affirm refused to give me the correspondence between them and the hotel and closed my dispute saying the hotel would not return the money. Affirm is committing fraud, because I truly believe the hotel did NOT receive any money, and Affirm is refusing to refund the payment they received from me and are lying about it. They keep requesting " further documentation '' when I have provided the hotel reservation and cancellation letter. The " documentation '' is right on my account, that they received a payment from me, but only credited the amount of the hotel XXXX the payment. So, I am out {$110.00} They keep closing my dispute, and I keep reopening it, telling them they are committing fraud, but I get nowhere, as nobody you speak to can speak XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Description of Incident : I am filing this complaint regarding a credit card billing error dispute for {$820.00}. I am concerned that Wells Fargo is failing to follow the dispute resolution procedures required by the Fair Credit Billing Act ( FCBA ). Timeline and Actions Taken : XX/XX/XXXX : I formally initiated a dispute for an unauthorized or incorrect charge of {$820.00}. I provided a detailed XXXX of XXXX electronically at the time of submission. XX/XX/XXXX XX/XX/XXXX : At the bank 's request, I called and re-explained the situation, providing the same facts already submitted in my written statement. XX/XX/XXXX XX/XX/XXXX : I received multiple status updates ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) explicitly stating that no further action was required on my part at the time. XX/XX/XXXX : After being told to call again, the representative informed me they received 'compelling evidence ' from the merchant, including an invoice and receipt. However, when I requested copies of this evidence so I could review and rebut it while the investigation is still open, the representative stated they could not share those documents with me and claimed I had no right to appeal. A supervisor later promised to email them, but I have still received nothing. This lack of transparency prevents me from exercising my consumer rights during an active dispute process.

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 2026-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/year>, Capital One Shopping sent me a personalized, single-use promotional email marked " exclusively for you '' offering 75 % back ( up to {$1000.00} in rewards ) on a purchase at XXXX. The offer email featured the specific product I purchased as the hero image. I activated the offer through the Capital One Shopping portal and placed a qualifying order of {$1300.00} on XX/XX/year>, well before the offer 's XX/XX/year> expiration date. Despite meeting all visible conditions, my trip was flagged as " invalid '' by Capital One Shopping with no documentation or explanation of which eligibility requirement was allegedly violated. The portal showed an estimated reward availability date of XX/XX/year>. No rewards were ever issued {$0.00} paid on a {$1000.00} promoted reward. I escalated through standard support channels, spoke with a supervisor, and submitted a formal complaint to Capital One 's Office of the CEO. After all of this, I was offered a {$250.00} " courtesy '' credit {$750.00} less than the promoted reward with still no written explanation of the invalidation. This was not a general public promotion. It was a targeted, single-use offer sent directly to me. I relied on it to make a significant purchase. The offer was not honored, and no valid reason has been provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
The company, Portfolio Recovery associates keeps calling me, daily, leaving messages and texting me daily

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: MI

Complaint narrative:
In 2021, while I was receiving XXXX benefits and recovering from a traumatic gunshot injury, my Direct Express account was compromised. An unauthorized individual was able to request and receive a replacement Direct Express card. I was later informed by a Direct Express representative that this replacement card had been sent to an address in Florida, a location where I have never lived or had any connection. I did not authorize this request, nor did I provide my information to anyone. As a result, approximately two months of my XXXX benefits were accessed and taken without my permission. I was also charged a fee for the replacement card that I did not request. I reported the fraud to Direct Express immediately. During my communications with their fraud department, I was explicitly told that someone had impersonated me and that the card had been sent to a Florida address. Despite this, my fraud claim was denied, and I was not reimbursed for the stolen funds. At the time, I was in a medically and psychologically vulnerable condition due to recovering from a gunshot wound and ongoing trauma, which made it difficult for me to escalate the issue further. I am filing this complaint because I believe Direct Express failed to properly investigate my fraud claim and allowed unauthorized access to my account, resulting in significant financial loss during a critical period of my recovery. I am requesting a formal review of my case and reimbursement of the funds that were taken.

Company response to consumer: Closed with explanation