vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In XX/XX/year>, American Express approved my application for the Amex Platinum card with a {$890.00} annual fee. Shortly after approval, Amex posted the annual fee to my account. Approximately 60-90 days after account opening, and several weeks after the annual fee posted, Amex closed my account without prior notice. The stated reason was that the card was too expensive for me, which was inaccurate. Prior to closure, I was required to work many hours to provide income and financial documentation multiple times at Amexs request. I complied with every request. Amex then shut the account down anyway. I also had to work hard and make multiple contacts just to get the annual fee refunded, despite the closure being Amexs decision. I have direct knowledge of 3 other consumers approved in late 2025 who experienced the identical pattern : approved, annual fee posted, repeated document requests requiring hours of work, then closure for too expensive despite meeting qualifications. This sequence of conduct charging a {$890.00} annual fee, imposing a burdensome document review, then closing the account and forcing the consumer to fight for a refund constitutes an Unfair or Abusive Act or Practice under 12 U.S.C. 5531. I request that Amex : 1. Cease the practice of posting annual fees on accounts that are simultaneously under internal review for closure within 90 days. 2. Confirm this complaint has been escalated to Compliance for systemic review. 3. Review and revise policies that require consumers to spend hours providing documents for accounts Amex intends to close. Please confirm receipt and resolution steps within 10 business days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Account ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I am filing a complaint regarding ongoing mortgage servicing errors by Rocket Mortgage/XXXX. XXXX. Beginning around XX/XX/XXXX and continuing through XXXX, my extra payments were not consistently applied to principal as intended. Instead, funds were placed into suspense/unapplied status, used toward future payments, reversed, and re-applied in ways that made my account history inaccurate. Rocket Mortgages own response acknowledges that recent payment reversals caused the system to incorrectly display my last payment as XX/XX/XXXX, even though I continued making payments after that date. Their letter also states that the account is current and that my next payment was due XX/XX/XXXX, but their transaction history shows repeated suspense adjustments, reversals, and partial payment entries. I contacted Rocket Mortgage multiple times by phone and email to request a full explanation, correction of my payment history, and confirmation that all funds were properly applied. I also requested clarification on why funds were placed in suspense/unapplied status and why the account reflected inaccurate payment information. Although Rocket Mortgage responded, the response did not fully resolve the issue or provide a clear reconciliation of all payments from XX/XX/XXXX f orward. They also acknowledged that a requested supervisor callback was not completed. I am requesting that Rocket Mortgage : 1. Conduct a full audit of my payment history from XX/XX/XXXX to present 2. Correct any misapplied, reversed, or suspended payments 3. Confirm all principal-only payments were properly applied 4. Recalculate and credit any excess interest charged due to delayed or incorrect application 5. Confirm my account status and credit reporting were not negatively impacted 6. Provide a written explanation of all corrections made This issue has caused inaccurate account records, repeated confusion, and unnecessary financial stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: KY

Complaint narrative:
I am filing a complaint regarding excessive and repeated hard inquiries made on my credit report by Cardinal Financial through XXXX. I applied for a mortgage with Cardinal Financial ( Loan/Application XXXX XXXXXXXX ) and authorized a credit check ; however, between XX/XX/XXXX and XX/XX/XXXX, approximately 19 hard inquiries were made on my credit report. Many of these inquiries occurred within days of each other, particularly throughout XX/XX/XXXX. I was not informed that my credit would be pulled repeatedly, nor did I provide clear authorization for each individual inquiry. This has caused concern regarding the misuse of my credit information and potential damage to my credit profile. I am requesting : * A full investigation into these inquiries * Proof of authorization for each credit pull * Removal of any unauthorized or excessive inquiries I believe this may be a violation of the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose and proper authorization for each credit inquiry. I am seeking a resolution and correction of my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 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: Shellpoint Partners, LLC
State: MO

Complaint narrative:
My loan adjusts every XX/XX/XXXX. Shellpoint/newrez changed the index from XXXX XXXX to the current SOFR rate and that worked out to be a rate of 6 percent. They are currently charging me 6.5 % and will not have anyone contact me to discuss. I called customer service twice after the adjustment happened and was put on hold each time for 45 minutes. Both times I was told someone would get back to me within 48 hours and both times it never happened. On XX/XX/year>, I contacted customer service and again was on hold for forty-five minutes waiting for a supervisor. A lady named XXXX (? ) finally got on the phone and advised she would get back to me in XXXX or XX/XX/XXXX. I questioned whether that was true and she gave me her extension which was XXXX. She did not get back to me by XXXX and I called that extension and there was no answer and no messages could be left. You are simply hung-up on. My guess is this is a bogus extension used to sidetrack customers. My guess is, based on their reviews, that overcharging on adjusted rates is a standard operating procedure for this group.

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 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I opened a fraud case with Bank of America on XX/XX/year> and received a letter on XX/XX/year>, stating that they couldn't approve my claim. The next day, I sent all the information to XXXX, and they approved my claim. I talked with somebody on XX/XX/XXXX. In 2026, they will get back with me in three days, and still waiting.

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 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Complaint text : My mortgage was transferred to Rocket Mortgage on XX/XX/year>. Since the transfer, I have been unable to successfully create or access my online account due to issues with Rocket Mortgages website and/or login system. I attempted to resolve this by contacting customer service on XX/XX/year>. I spent approximately 25 minutes on the phone with both a representative and a supervisor, but the issue was not resolved. I was told that a high volume of new mortgage transfers was causing system issues. This explanation is not acceptable, as I still do not have access to my account. I am unable to view my loan details, confirm my balance, or ensure that payments are made correctly and on time. Lack of account access puts me at risk for missed payments, late fees, or negative credit reporting through no fault of my own. I am requesting that Rocket Mortgage : Immediately resolve the account access issue Ensure I can successfully register and log in online Confirm that no late fees or negative credit reporting will occur due to this issue Confirm that my loan was properly transferred and is fully accessible in their system I expect a prompt resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
I am submitting a formal complaint regarding repeated denials of my Regulation E unauthorized ATM withdrawal disputes. Three ATM withdrawals occurred on XXXX XXXX XXXX in XXXX and XXXX, MA, which I did not authorize or perform. My debit card remained in my possession in XXXX XXXX, MA at the time of these transactions. I reported these transactions promptly on XX/XX/year>, and have since disputed them multiple times. Each dispute was denied on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without meaningful disclosure of investigation findings. I have submitted a police report and requested a Regulation E investigation, including review of ATM-level evidence such as PIN verification, chip vs magstripe usage, and ATM surveillance footage. These requests have not been substantively addressed. I am requesting : A full and fair investigation under Regulation E ( XXXX XXXX XXXX ) Disclosure of the basis for denial, specifically whether PIN verification was used for these transactions Review of ATM-level authentication data and fraud investigation records Reimbursement of all unauthorized withdrawals and related fees if fraud is confirmed I believe the prior determinations did not adequately consider the evidence or fulfill Regulation E error resolution requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: GA

Complaint narrative:
I am filing a complaint against Vance & Huffman LLC regarding an alleged debt they are reporting and attempting to collect. I requested validation of this debt. The company initially failed to provide documentation and directed me to an online portal where no supporting documents were available. After follow-up, they provided a lease agreement and a payment history. However, the information provided does not properly validate the debt or the balance being reported. The payment history shows multiple reversed payments, repeated fee assessments, and inconsistent adjustments. Payments appear to be applied, reversed, and followed by additional fees, making the current reported balance of {$1200.00} unclear and unreliable. The company has not provided a clear, itemized calculation showing how this balance was determined, nor have they adequately explained the repeated fees and reversals. Additionally, this account is not reporting consistently across all credit bureaus. It has been removed or is not reporting on other bureaus but remains on Experian. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as the balance being reported is not accurate or verifiable. I am requesting : 1. A full and accurate itemization of the account and balance calculation 2. Verification that all fees and charges are valid and properly applied 3. Immediate deletion of this account from all credit reporting agencies if the balance can not be verified as accurate 4. That all collection activity cease until proper verification is provided I have attached supporting documentation, including the payment history showing inconsistencies. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Capital Services, LLC
State: NJ

Complaint narrative:
A collection account was reported to my XXXX credit report by Nationwide Capital Services on XX/XX/year> for {$820.00} ( original amount {$500.00} ). I have not received a written notice from Nationwide Capital Services explaining my right to dispute and how to request validation. I have difficulty with verbal communication and can not resolve this by phone, so I attempted to contact the collector by email to dispute and request validation, but the email address I tried was not valid and my message bounced. I asked the original lender ( XXXX XXXX ) to provide a working email for the collector, but I still do not have a working email contact. I am requesting a proper written validation notice and a written method to dispute/validate, and that the account be marked as disputed and corrected as appropriate.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has caused stress and emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The bank never notified me that I had a debt with them, negatively affecting my personal credit with credit bureaus such as XXXX. For years, I maintained a good credit history, but now it has dropped nearly XXXX points in just XXXX months. The bank did not notify me until almost XXXX months later, and the first thing I did was pay off the debt.

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 2026-05-04 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: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding SoFi Banks denial of a fraud claim involving unauthorized transactions totaling {$3900.00} from my checking account on XX/XX/year>. On that date, my wife ( the joint account holder with me ), was the victim of a social engineering scam. While attempting to resolve a login issue she believed was related to XXXX, she was contacted by individuals impersonating XXXX support. During that interaction, she was deceived into providing her Social Security number. She ultimately realized this was suspicious and terminated the call. Shortly thereafter on the same day, two transactions ( {$990.00} and {$2900.00} ) were made from our SoFi account to a merchant identified as XXXX, with whom we have no relationship and from whom we did not knowingly request or receive any services. We immediately reported the transactions to SoFi on XX/XX/year>. It was assigned a dispute # XXXX and has since been referred to as dispute # XXXX, XXXX and XXXX. SoFi provisionally credited the funds on XX/XX/year>, but has now denied the claim, stating only that the services requested by you have been rendered by the merchant. This conclusion is incorrect and unsupported. We did not authorize any transaction with this merchant, did not request any services, and did not receive any benefit. The transactions were the direct result of identity theft and impersonation. Providing a Social Security number under deception does not constitute authorization for electronic fund transfers. SoFi has not provided any evidence demonstrating that we authorized these transactions, nor have they explained how services rendered establishes valid authorization under the Electronic Funds Transfer Act ( EFTA ). We are requesting : 1. Full reimbursement of the unauthorized transactions ( {$3900.00} ) 2. A detailed explanation of the evidence relied upon to deny the claim 3. Confirmation of how SoFi determined that these transactions were authorized We believe SoFi has failed to properly apply the protections required under EFTA and Regulation E. This matter involves clear impersonation and identity theft, and we are seeking appropriate resolution and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.

Complaint narrative:
I am filing this formal complaint against XXXX XXXXXXXX XXXX XXXX XXXX and National Credit Systems ( NCS ) for the pursuit of an unsubstantiated debt and deceptive trade practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXesident who recently relocated to XXXX in XX/XX/year>. Despite my proactive attempts to resolve my final account in good faith, the management has engaged in predatory billing practices. XXXX. Violation of Good Faith and Statutory Requirements : Prior to this being referred to collections, upon receiving final account statement from XXXX XXXX, I sent multiple emails to them requesting an itemized breakdown and photographic evidence of alleged " carpet damages. '' Under Florida XXXX XXXX, landlords must provide a specific basis for such claims. XXXX completely ignored my correspondence and, in bad faith, referred the unsubstantiated charges to NCS without ever providing proof of damage. I am attaching email communication to this complaint. 2. Evidence of Condition : I have documented evidence that the apartment was returned in rentable condition, which I am attaching to this complaint : * Move-In Photos : Demonstrating that any alleged " damage '' was pre-existing wear and tear. * Professional Cleaning Receipt : Proof that the unit was professionally cleaned upon move-out to meet all lease obligations. * Lack of Validation : I have formally disputed this with NCS, but they have failed to provide any verification of the debt beyond the apartments unsubstantiated ledger. 3. Consumer Hardship and Emotional Distress : Managing this dispute from abroad has caused significant emotional distress. Because I am out of the country, I am vulnerable to credit-reporting threats as a means of coercion. This is a clear attempt to bypass Florida 's tenant protection laws by targeting a tenant who has moved away. Communication Preference : Due to my current residence in XXXX, email is my only reliable method of communication. I request all updates be sent to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services previously responded to CFPB Case stating they would delete this tradeline from all agencies. Despite this, they have engaged XXXX XXXX XXXX XXXX to continue collection efforts for {$20000.00} ( Ref : XXXX ). I demand an immediate permanent cessation of all collection activity, as NCB has failed to provide the 'signed contract ' mentioned in their previous response and has already moved to delete the reporting due to inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation