vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
This complaint concerns continued collection efforts relating to a disputed towing/storage deficiency balance allegedly owed to XXXX XXXX XXXX XXXX . After my original CFPB complaint, the collector responded with additional materials that raise further concerns rather than resolving the dispute. Among other issues : The collectors own documents appear to reflect mailing to XXXX XXXX rather than my actual mailing designation of XXXX XXXX, raising substantial concerns regarding lawful notice and delivery. The collector continues attempting to collect large storage-related charges that escalated far beyond the apparent value of the vehicle, despite prior attempts to reasonably resolve the matter. The collector has failed to provide competent documentation establishing a commercially reasonable lien sale process, including meaningful documentation regarding sale procedures, advertising, bidding, or disposition methodology. The collector also failed to provide contemporaneous storage records, a complete accounting ledger, or competent evidence establishing the enforceability of the alleged deficiency balance. The collector additionally asserted interest charges without identifying any contractual or statutory basis for those charges. The alleged debt remains disputed in its entirety. I am submitting this supplemental complaint because the collector continues asserting the validity and enforceability of the alleged balance despite substantial unresolved disputes regarding notice, documentation, commercial reasonableness, and the amount allegedly owed. Please see attached supporting correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
My mortgage loan was previously held with XXXX XXXX with Rocket Mortgage acquiring my loan sometime in the fall of XXXX. On XX/XX/XXXX I went to make my XXXX mortgage payment to see that my mortgage was late with over a {$6000.00} balance owed. I called Rocket Mortgage to find put what was going on. It was here that I learned my mortgage payment that was applied on XX/XX/XXXX was returned due to NSF. I did not know that this occurred as I received written communication my payment was applied. I made my XXXX payment to which I was informed it was going to be applied to XXXX past due balance. When I called Rocket Mortgage on XX/XX/XXXX to make my regular monthly payment I was told this was going to be applied to XXXX balance. Confused, I went through my bank statement specifically on the XX/XX/XXXX date that shows I had the available funds in my account on my applied payment date of XX/XX/XXXX. On my bank statement it shows that Rocket Mortgage attempted the withdraw on XXXX XXXX XXXX days after I was notified my payment had been applied to my account therefore contributing to the NSF issue with other scheduled payments being deducted between the XX/XX/XXXX and XX/XX/XXXX dates. I called Rocket Mortgage on XX/XX/XXXX outlining the delay in withdraw of funds, 4 days after I was already notified my payment was applied and informing them that I am not experiencing a financial hardship and to determine why XXXX payment was applied to XXXX monthly payment. It was here I was informed that Rocket Mortgage stated that my XXXX payment was not received, however, I also have documentation indicating my payment was posted on XX/XX/XXXX from Rocket Mortgage. Both of these errors have now contributed to my account being 60-day delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Chase never sent me a pin for a new debit card. IT says to activate the card and go onlin ebut you need the pin. WHen you call it says " enter the pin, this is the number you use at the ATM '' which you can't do because you don't have one. I called a different customer service number and asked to create one and they transferred me and made me wait then said I had to go in to a physical branch which there aren't any near here and I'm at work when the banks are open. HOrrible service so far

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Can't get on my Chase account online and I couldn't get through via phone so downloaded the mobile app which I don't know how to use as I don't use apps. Signed in there. It says my account is locked and to call and there's a button that says " call now. '' I tapped this button. Someone answered and said they are the wrong department and they can't help. THAT'S LITERALLY THE NUMBER FROM THE APP! WHAT THE XXXX. Then he wouldn't transfer me. I've had this account for 4 days and it's already been blcoked twice. Guess I'm taking my business elsewhere. XXXX you Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: MARINER FINANCE, LLC
State: AL

Complaint narrative:
Always a problem attempting to log into their portal for payment, history on the account, and a detailed description of what is owed, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened the Amex XXXX Card last year in XXXX ( XXXX ). I was referred by my daughter. I have contacted Amex multiple times to ask why I didnt receive the points. They said it was because I received bonus points when I had the XXXX XXXX card. The XXXX XXXX card is in a different Amex family. I told them I never received any pop up or info that I would not be able/eligible to receive the points. They didnt provide me with any proof. I really like the card but I feel duped. Is there anything you can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year>, XXXX refinanced my federal student loans and disbursed payoff payments totaling {$40000.00} to MOHELAXXXX XXXX XXXX across four accounts. The individual payoff amounts were {$3700.00}, {$6200.00}, {$16000.00}, and {$13000.00}, all with a disbursement date of XX/XX/year>. XXXX issued a bulk disbursement check to MOHELA/XXXX XXXX XXXX dated XX/XX/year>, with the check number ( front/back copies provided ), in the amount of {>= $1,000,000}, which included my payoff amounts. As of XX/XX/year> 48 days after disbursement MOHELA has not applied these funds to my accounts. My MOHELA balance remains outstanding and interest continues to accrue daily on balances that should be XXXX. I contacted MOHELA and provided the check reference number, disbursement date, payee, and exact payoff amounts for each account. MOHELA stated they have no information about the payment and that locating it could take 90 days. No further assistance was offered. I am currently accruing interest simultaneously on both my XXXX refinance loan and my MOHELA balances due entirely to MOHELA 's failure to locate and post this payment. I have documentary evidence of the disbursement from XXXX including the check image and itemized disbursement records. I am requesting that MOHELA immediately locate and apply the payment to my four accounts, provide written confirmation of the posting date, and credit all interest that has accrued on my accounts since XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
My number is on the national do not call registry but they keep calling even after I've requested them not to.

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 2026-05-20 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: CITIBANK, N.A.
State: OH

Complaint narrative:
In XXXX of XXXX I was charged for a Best Buy renewal of {$190.00} I quickly noticed that charged to my account and successfully got a refund and stated I did not want that membership and I had no knowledge of signing up for that. XXXX of XXXX rolls around and I was again charged for {$190.00} since I believed my card was paid in full I did not have automatic payments set up, XXXX comes around and I start receiving phone calls stating Im passed due on my card which was confusing because I had not used the card and to my knowledge the account balance was {$0.00}. I made phone calls to best buy to dispute this transaction and get a refund, apparently I was over the 60 day mark so a full refund was not possible they gave me a partial refund, I called Citibank explaining the issue and called about getting late fees removed they told me that couldnt unless best buy refunded the full amount, I was on the phone every week all of XXXX and XXXX I seems trying to get this issue straightened out everytime they told me they would send the request to higher up about the full refund and I never heard back, resulting in another late fees/payment because I thought it would be unfair to pay for a subscription I didnt sign up for. Eventually I just gave up and paid the amount of {$76.00} to close the account and now worry about it anymore. I then have been trying to refinance my mortgage loan for a better interest rate and my credit score had dropped an entire XXXX points because of this issue. I contacted Citi bank asking for a goodwill adjustment considering the amount owed was paid in full and I had never had a late payment on any accounts in my life. They responded by letter in the mail stating they would not dispute that late payment on my credit report but would put in that I tried to dispute it. I am going to write them again and give them a call asking for a goodwill adjustment again, but I wanted to reach out to state what my experience has been thus far. Trying to get ahold of someone at Citibank is a nightmare, Im on the phone for long periods of time and feeling like I am getting no where. I would be grateful for a goodwill adjustment like I said I have never made a late payment. Thank you for reading, I appreciate your time. Sincerely, 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 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortgage recently raised my escrow monthly amount due to taxes and homeowners insurance. I changed my homeowners insurance company that gave me a lower offer than my current provider. The amount was lowered from XXXX to XXXX. This should automatically lower collection of monthly escrow. Rocket Mortgage received the new documents on XX/XX/year>. Since then I have contacted them over 3 times asking to re-calculate the amount. I was given a " wait 5 days '', then call on friday, I waited until today and now they are telling me something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/XXXX my debit card information was stolen and used in two stores, a XXXX XXXX and a XXXX in XXXX Florida despite me having my debit card on my person while I was in a different city in Florida, I was at the beach in XXXX. My card was used for {$200.00} at the XXXX on XXXX XXXX in XXXX, Florida and at the XXXX XXXX on XXXX XXXX in XXXX Florida. I disputed this with Chime and they have refused to give me my money back despite me showing that I submitted a report online to the police, I will be going to speak to the police directly so I can try to get my money back. They took everything from me and I have no way of getting it back. Chime will not help me. I have tried to reach out numerous times and I can not get beyond the regular customer service people and they have no information. I have tried to get a hold of XXXX XXXX and XXXX and they have told me I have to file a police report that they will not tell me anything either, they said they can not give customers information about their own cc being used fraudulently. I would like to report chime because I have disputed these charges, I provided evidence and they still refuse to give me my money. I am out a total of {$380.00} which was everything I had in My Account at that time and everything I have to my name. I have a niXXXX XXXX and I am a XXXX parent who gets no support. They took everything from me and Chime will not give it back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 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: TX

Complaint narrative:
I am filing this complaint because this company is attempting to collect a debt that I do not legally owe due to identity theft. I never authorized or opened the account associated with this alleged debt, and the information being reported and collected is inaccurate and fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Was unlawfully charged {$740.00} by XXXX to book a hotel reservation based on fraudulent advertising, claiming the mystery hotel would be XXXX stars when it was in fact a XXXX star hotel, as confirmed by the hotel on the day of the transaction and independent sources. After 3 months of review and an internal pre-arbitration proceeding within Chase, XXXX and Chase denied the dispute without reviewing customer submitted evidence or addressing the fraud committed by merchant. This matter requires escalation to highest levels of review and transmittal to legal counsel. Claimant reserves all rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
delete the current information im sending now this is the 3rd time im requesting this first time you guys ask for XXXX I added it, now again for social security to verify its me now i will send the social i want this delete in 15 days

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: CA

Complaint narrative:
I am filing a formal complaint regarding the mishandling of a dispute by Goldman Sachs credit card services and the consistently poor customer service I have experienced throughout this process. I have disputed the same transaction ( {$250.00} XXXX order fee ) approximately seven times since XX/XX/year>. Each time, Goldman Sachs requested documentation and evidence, all of which I promptly provided, including screenshots and text messages from the merchant confirming a refund was approved and should appear within 57 business days. Despite this, I never received the refund, and Goldman Sachs repeatedly closed the dispute in favor of the merchant without properly resolving the issue. Every time I contact customer service, I am forced to restart the process from the beginning. My disputes are typically initiated through chat, where I am repeatedly transferred between representatives and required to explain the same situation over and over. The representatives consistently appear untrained and unable to provide meaningful assistance. The dispute process appears broken and disorganized. Cases remain open for months, only to be closed again without resolution, forcing me to repeatedly reopen them. Most recently, I requested escalation to management and specifically asked to speak with a supervisor. I was told it would take up to 10 business days for follow-up. However, I received only one phone call attempt and a voicemail just hours later before the matter was essentially dropped. When I called back, the supervisor stated there was nothing he could do and told me to wait for another callback. After months of repeated disputes, substantial supporting evidence, and countless hours spent trying to resolve this issue, Goldman Sachs continues to fail to properly investigate or resolve the matter. I am requesting a thorough review of this dispute history, a proper investigation into the missing refund, and immediate intervention by competent management to resolve this matter and issue a permanent refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: Westlake Services, LLC
State: CA

Complaint narrative:
I had an auto loan with Westlake Financial Services for my vehicle. After my vehicle was declared a total loss by my insurance company, the insurance company issued a payoff payment directly to Westlake as part of the total loss settlement process. Before realizing that the insurance payoff had already been issued, I also personally paid off the remaining balance from my own bank account in the amount of {$4600.00} that was XX/XX/year> Westlake later confirmed that the insurance payoff was processed However, I have not received written confirmation regarding reimbursement of my duplicate payoff payment. When I contacted Westlake Financial Services, I was informed that reimbursement would only be issued through a virtual debit card despite the large amount involved. I requested that the reimbursement instead to be issued by paper check for security and documentation purposes, but my request was denied. I also requested written confirmation of the reimbursement process, delivery details, and timeline, but this information has not been clearly provided. I am requesting assistance in obtaining written confirmation of the reimbursement status, refund method, expected delivery timeline, and assurance that my funds will be returned securely and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: OR

Complaint narrative:
This is supplemental documentation to dispute the 30 past due record from XXXX, Continental Finance ( shows on credit report as XXXX ). Resolution Desired : The 30 day past due to be removed from my credit report for the XXXX account. Summary of this dispute : This card was opened in XX/XX/XXXX The first payment due and paid on time was for {$45.00} on XX/XX/XXXX This payment was returned by my bank, according to XXXX I called XXXX and they told me : o My bank can give me more info XXXX didnt know why this occurred. o My bank needs to remove whatever hold is causing payments to be returned. o During my call to XXXX, they told me THEY put some sort of hold on my account, which could not be removed until XXXX removed theirs. o They did refund one late fee, as they acknowledged there was an issue and it was clear I was attempting to make my payments. I called my bank, XXXX, and they had no record of returned payments and confirmed there were no returned items on my account. They would know because you get bank fees returned payments, which did not occur. A total of 7 payments were made to XXXX, with the first 6 being returned by my bank. When I finally used another bank account, the final payment for {$130.00} on XX/XX/XXXX went through successfully. I found their customer service to be unhelpful and unable to troubleshoot my situation, which is why I am submitting this dispute in lieu of working with XXXX directly. I would also like it to be taken into consideration that there are virtually no other recent late payments on my credit report. I would not risk that over a {$45.00} payment. My account is now current. They have since closed my account, without sending me any notification ( at least I havent received it yet ). I dont mind because I do not wish to keep this account, but it is unfortunate that it says it is closed by the creditor. Below you will find a record of all the payment attempts made to my XXXX 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 2026-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THESE COLLECTION ACCOUNTS ARE NOT MINE AND WERE NOT AUTHORIZED BY ME. I DO NOT RECOGNIZE THESE ACCOUNTS AND HAVE NO RESPONSIBILITY FOR THEM.

Company response to consumer: Closed with non-monetary relief