vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: NC

Complaint narrative:
Complaint Details I been in this program for almost 4 years, I never took out a loan with americor, I paid them XXXX once a month, and paid out XXXX. The settled amount was XXXX. In XXXX l paid XXXX and XXXX I paid XXXX and XXXX i paid XXXX total XXXX. Their charges for closing out my debt was XXXX which left me with XXXX. They are only sending me back XXXX which is not correct or accurate. I still have to pay capital one and XXXX XXXX who did not get paid. I only signed up for this program because they mentioned they will negotiate with XXXX XXXX XXXX XXXX was not negotiated and I have to pay them back with those funds they took from me. Desired Outcome/Settlement Desired Settlement : Refund None Provided

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Good day, I hope youre doing well. I am reaching out because on XX/XX/2025, I attempted to make a money transfer through XXXX XXXX, which I offered a service I had previously used. I noticed soon after that I was charged the amount of {$1900.00}, on XXXX separate cards I had on file. The problem was the transfer still totaled for just the {$1900.00}. Upon calling XXXX, the representative informed me that he didnt have the right tool to refund me so I had to call my bank so they dealt directly with the correct department. I have since mailed the statements to USBANK Corp., to prove I had paid for the transaction already and to issue a charge back. USBANK has denied my claim, even after I provided a statement showing that I was charged for the transaction on the same date, for the same amount of {$1900.00} on my secondary card, they suggested me to try and process the claim with the other card, the problem is that I closed that credit card in XXXXXXXX XXXX XXXX so I have no other way of going forward with this. Claim # 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 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
Took out a loan 6 weeks ago approx. My loan was supposed to pay off a creditor. They sent the check to the creditor and then put a stop payment on the check. They sent out another check to the wrong creditor. They put a stop payment on the second check. I placed a complaint with the XXXX and they retaliated by not speaking to me and referred me to a customer service number, in which I could only leave a voicemail. Meanwhile, I've had to make 2 payments on the loan that should have been paid off weeks ago. I am experience financial hardship trying to maintain 2 loans. The loan they were supposed to pay is {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OPORTUN FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I made a payment to Oportun that was successfully debited from my bank account. My bank XXXX XXXX XXXX XXXXXXXX XXXX confirmed that the payment was processed and not returned. However, Oportun is claiming that the payment was returned, which is incorrect. At this time, the money is not in my bank account and has not been applied to my loan. This means the funds are missing. I have contacted both the bank and Oportun multiple times, but neither has provided a clear explanation or solution. I am requesting a full investigation and proof of where the funds were sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was transferring money between two of my Cash App accounts, and while using the predictive text on my keyboard, it automatically entered the phrase XXXX XXXX XXXX XXXX unscathed, which caused the transaction to be flagged by the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
I am filing a formal complaint against Healthcare Finance Direct ( HFD ) regarding a medical financing agreement connected to XXXX. This agreement was entered into based on misrepresentation at the time of sale. The service was described as unlimited treatments for one year, however treatments are actually restricted to every 56 weeks, which significantly limits the number of sessions. The company is also charging about 24 % APR. Additionally, the term permanent hair removal was used, which is medically misleading and inaccurate. The borrower is a XXXX first-time consumer who relied on these representations. We also requested copies of the signed contract, billing details, and payment authorization multiple times via phone and email, but no documents were provided. Only one treatment session has been performed. We requested cancellation immediately after discovering the discrepancy, but both XXXX and Healthcare Finance Direct refused to cancel the agreement both blaming the other. We are disputing the validity of this contract due to : - Misrepresentation of services - Misleading advertising - Failure to provide contract documentation - Unfair financing practices toward a young consumer We request : - Immediate cancellation of the financing agreement - Suspension of all payment obligations- Confirmation that no negative credit reporting will occur

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MS

Complaint narrative:
On XX/XX/year>, I was contacted by an individual who claimed to be a fraud prevention representative from my financial institution. The caller spoke in a professional and convincing manner and created a strong sense of urgency, stating that suspicious activity had been detected on my account and that immediate action was required to prevent my account from being locked or restricted. The caller already had knowledge of my name, which made the situation appear legitimate and caused me to trust the interaction. Under pressure and believing I was protecting my account, I was instructed to provide sensitive personal and financial information, including my login credentials, debit card details, and security information. Shortly after this interaction, unauthorized transactions totaling {$1500.00} were processed through XXXX without my knowledge or consent. I did not authorize these transactions, did not initiate any purchase or transfer, and did not receive any goods, services, or benefit in return. These transactions occurred only after my information was obtained through deception, indicating that this was a clear case of fraud and social engineering. The individual misrepresented himself as a trusted authority in order to gain access to my account and financial details. I promptly contacted my financial institution to report the incident and requested an investigation into the unauthorized transactions. However, the issue has not been resolved, and I have not received reimbursement for the stolen funds. I respectfully request a full refund of {$1500.00} and a thorough investigation into this fraudulent activity. This situation has caused financial loss and distress, and I expect appropriate action to be taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I presented the cert of savings to the bank officer who couldn't find the account, looked up the issuing bank ( XXXX, XXXX then became XXXX XXXX, XXXX XXXX, XXXX and currently Wells Fargo ). They would not deposit or cash it as they could not track the transaction. The officer that issued this cert is no longer working for Wells Fargo. I spoke with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX He did not have a XXXX available and no one at the customer service numbers I was transferred to could find any information. I was told that since I had not manually acted with the account they sent it to the State of CT unclaimed money. I went to that site and although there were entries for other relatives, there was no unclaimed money for me. I have the original cert and # and no one seems to be able to track it.

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 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: PR

Complaint narrative:
I have been locked out of my Ally Bank savings account for over one month without resolution, despite repeated and consistent efforts to regain access through customer service. On XX/XX/year>, I updated my phone number ; however, Allys system continues to send security verification codes to my outdated number, which is no longer in service. This failure has prevented me from completing authentication and directly caused my loss of account access. Additionally, the knowledge based authentication process relies on inaccurate third-party public record data. I have been asked questions regarding my fathers personal information, including age and birth month, and none of the provided options were correct. Despite providing accurate information, I am repeatedly denied authentication due to data that is outside of my control. I have made numerous calls to Ally Bank to resolve this issue. Each time, I am required to restart the process with a different representative. I have repeatedly been promised callbacks from account specialists, yet I have never received a single return call. In multiple instances, calls have been disconnected while I was actively requesting assistance or escalation. I have clearly expressed my willingness to verify my identity using government issued documentation, including my drivers license and passport ; however, I have not been provided with any reasonable alternative verification method, nor has any representative been willing to assist me through a manual verification process. I also attempted to reset my password and was notified that it appeared in a data breach ; however, I was unable to complete the reset process. My account is now fully restricted, leaving me with no access to my funds. These funds are not incidental ; they represent money I have worked hard to earn and save, including funds specifically set aside for my upcoming wedding. Being unable to access these savings for over a month due to ongoing system failures is both distressing and unacceptable. These ongoing failures have effectively denied me access to my own funds despite my full cooperation and repeated attempts to verify my identity.

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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I was promised a credit of {$500.00} for {$390.00} and didn't get the credit I was promised

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint regarding Bank of Americas handling of a fraud claim on my business checking account, which has resulted in significant financial harm to my small business. The fraudulent activity occurred on Saturday, XX/XX/year>. Since that time, I have contacted Bank of America every day for the past five days in an attempt to resolve the issue. Throughout this process, I have received conflicting and inaccurate information from multiple representatives and managers, with no consistent guidance or resolution. I have repeatedly requested a provisional credit for the fraudulent transactions, which total over {$6000.00}. On XX/XX/year>, after explaining that the situation was creating a financial hardship for my business, I was explicitly told by a Bank of America representative that a provisional credit would be issued by the end of that business day. As of today, no such credit has been applied to my account. Due to Bank of Americas failure to act, my business account is now entering a negative balance, directly impacting my ability to operate my business. Additionally, I have spent hours on the phone each day, being transferred between departments without resolution. At this point, the situation reflects not only poor customer service but potential negligence in handling a fraud claim for a small business customer. I am requesting the following : Immediate issuance of a provisional credit for the full amount of fraudulent transactions A formal review of how this claim has been handled, including the misinformation provided by Bank of America representatives Assurance that my account will not incur fees or penalties as a result of this fraud and delayed response Clear communication and a single point of contact moving forward This situation is causing ongoing financial harm and operational disruption to my business, and I am seeking urgent resolution.

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 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My name is : XXXX XXXX, I am sending my passport to prove my name. Incorrect information on credit report / Improper debt collection practices I am filing this complaint regarding a collection account reported by LVNV Funding LLC and serviced by Resurgent Capital Services in the amount of {$540.00}. I do not recognize this debt and have formally disputed it multiple times. On XX/XX/XXXX, I sent a written debt validation request On XX/XX/XXXX, I sent a certified follow-up letter On XX/XX/XXXX, I sent a final notice All correspondence was sent via certified mail. No validation or response was ever provided. Despite this, the company continues to report the account on my credit reports. Additional Issues : The account is reported without a Date of First Delinquency, which is required for compliance with the FCRA The account shows inconsistent last activity dates across credit bureaus ( XXXX vs XXXX ), indicating inaccurate and unreliable reporting No payment history or supporting documentation has been provided The account remains on my report even after disputes with XXXX and XXXX Violation Summary : This conduct may violate : Fair Debt Collection Practices Act ( FDCPA ) failure to validate and continued collection activity Fair Credit Reporting Act ( FCRA ) failure to report accurate and verifiable information Requested Resolution : I am requesting : Immediate deletion of this account from all credit reporting agencies Confirmation that the account will no longer be reported or collected Investigation into the companys failure to validate and inaccurate reporting practices

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I am a co-borrower on a VA mortgage that was purchased by the Department of Veterans Affairs through the XXXX XXXX XXXX XXXX ( XXXX ). The modification agreement executed XX/XX/XXXX confirms a fixed rate of 2.500 % the XXXX rate and VA has confirmed the loan is in their system. PHH Mortgage is the servicer on a federally owned asset. 1. Modification denied 2 days past the mandatory federal deadline. PHH 's own written notice confirmed our Mortgage Assistance Application ( MAA ) was complete as of XX/XX/XXXX. RESPA 12 CFR 1024.41 ( c ) required evaluation within 30 days by XX/XX/XXXX. PHH denied the modification on XX/XX/XXXX, two days late. The denial contains no documentation of VA investor authorization, which may make it void on its face. 2. Dual tracking violation. PHH retained foreclosure counsel on XX/XX/XXXX XXXX days before the XXXX was confirmed complete on XX/XX/XXXX, and 22 days before PHH 's own document submission deadline of XX/XX/XXXX. This violates RESPA 12 CFR 1024.41 ( f ) ( 2 ) and 1024.41 ( g ) : a servicer can not initiate foreclosure while a complete loss mitigation application is pending. 3. Escrow double-billing. The prior servicer ( XXXX XXXX ) capitalized {$29000.00} in escrow advances into the loan principal at modification in XX/XX/XXXX. Six months later, XXXX billed the exact same insurance disbursements again as a new {$22000.00} escrow shortage at $ XXXX, inflating our payment by over $ XXXX. This is a RESPA 1024.17 violation the same funds were charged twice on a VA-owned loan. 4. Failure to honor prior loss mitigation. The prior servicer confirmed in writing on XX/XX/XXXX that a facially complete loss mitigation application was active at transfer. Under RESPA 12 CFR 1024.41 ( k ), PHH was required to adopt that pending review. Instead, PHH restarted the process from scratch on XX/XX/XXXX. 5. Late transfer notice. PHH 's transfer notice was dated XX/XX/XXXX XXXX days after the XX/XX/XXXX effective transfer date. RESPA 12 U.S.C. 2605 ( b ) requires notice at least 15 days before the transfer. 6. Unanswered Notice of Error and QWR. A formal Notice of Error and Qualified Written Request were served on PHH on approximately XXXX XXXX XXXX. PHH has not acknowledged or responded to either, violating RESPA 1024.35 ( e ) and 1024.36 ( d ). I verbally invoked my 14-day appeal right under 1024.41 ( h ) on XX/XX/XXXX. I am requesting CFPB intervention to halt foreclosure action while these violations are under review.

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 2026-03-18 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: Selene Holdings LLC
State: NJ

Complaint narrative:
I never received my 1098 tax form for XXXX. I submitted an inquiry via email. They stated I needed to fill out a W-9 ( they never had asked me for previously ). I filled it out and sent it back to them. Three weeks went by with no response. I tried again via email with no response. On XX/XX/XXXX and XX/XX/XXXX, called the customer service number several times, waited on hold for ten minutes, then an automated message says it will hold my place online and call me when a representative is available, still no call back. They are out of compliance by not sending me a regulatory form I need to do my taxes. It is also concerning that there is no way to get in touch with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: SD

Complaint narrative:
I am filing a complaint regarding my auto loan account with Santander Consumer USA. My account is currently charged off and I have been attempting to resolve the balance by requesting settlement options or payment arrangements. However, despite multiple requests, the company has refused to provide any information in writing. Due to a XXXX, I am unable to communicate by phone and have clearly stated that I XXXX XXXX XXXX as a XXXX XXXX. I have asked that all settlement offers, reinstatement amounts, or payment options be provided in writing through their message system or by mail. Santander has repeatedly refused and continues to insist that I call by phone, stating they can not provide this information in writing. This effectively prevents me from accessing or resolving my account. I am requesting that Santander Consumer USA : Provide all available settlement offers, balances, and payment options in writing Honor my request for written communication as a XXXX XXXX Cease requiring phone communication as the only method to resolve this account I am willing to resolve this matter but need the terms clearly documented in writing before making any decisions. Please require the company to respond in writing so I can review my options.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
CFPB Complaint Narrative - Sloan Servicing I am filing this complaint because Sloan Servicing continues to contact me for payment on my federal student loans, even though I have submitted a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discharge Application to the U.S. Department of Education. My application is currently pending and under review. Under federal law ( 34 C.F.R. 685.213 ), a loan servicer must immediately suspend all collection activity while a XXXX discharge application is being evaluated. However, despite my submission, Sloan Servicing has continued to send billing statements, delinquency notices, and payment demands. Details : I submitted my XXXX discharge application and supporting documents to the U.S. Department of Education. My application is officially pending and should place my loans in administrative forbearance. Sloan Servicing has continued contacting me, requesting payments, and mailing notices in violation of federal regulations. This ongoing communication has caused significant stress as I am XXXX XXXX to work and can not make payments. I have informed the servicer multiple times and provided documentation, but the notices have continued.

Company response to consumer: Closed with explanation