vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN FINANCIAL MANAGEMENT, INC.
State: VA

Complaint narrative:
Took a job with XXXX XXXX in 2025 -offered a sign on XXXX XXXX XXXX ) father died and went back and forth to XXXX  Due to sign on had to stay so long. Company said you needed to be hybrid and I was going to make it work with having to stay in XXXX  for house. The boss said that was fine. Then decided, it would be best not to commute. She stated don't worry about the sign on, we will work it out. I offered to work part -time, consult to offer my end. The company had over XXXX million in liabilities from people not paying back over payments and never took them to debt collectors. ( My job was XXXXXXXX XXXX XXXXXXXX ) we took XXXX as the XXXX had a personal issue for the one ) They did not practice sending out XXXX XXXX day notifications, etc. Once again, I offered XXXX  her XXXX to work through the time and she stated " pay back as needed '' I had not received XXXX  notice or anything. Due to family and health issues was in XXXX. I get a letter stating it was going to collections. From the staff, that this was personal and that XXXX XXXX did not like hiring white people. There was not any formal signing of a notice, a letter. Additionally, discrimination

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony bank closed all of my accounts overnight claiming hight risk, however I always pay my cards on time and always pay either the statement balance or the while balance. I believe is a very unprofessional way of doing Business.

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened a Capital One small business checking account the end of XX/XX/year>. I am a sole proprietor offering consulting services to county governments in IL. They have repeatedly broken Regulation CC that outlines they must notify me immediately after I deposit a check if it is going to be placed on hold. They were not emailing me any of this information causing me to overdraft and not be able to pay bills in a timely fashion. I brought this to their attention and there was never any further contact on their part to ensure this was corrected. They had my account set up incorrectly and I was not able to request any notifications by email or electronically.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Atlanticus Services Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX I received the following email Dear XXXX, Your XXXX Credit Card card account ending in XXXX has been activated and is now ready for use. Please remove the sticker from the front of the card and sign the back. 

I contacted the bank and was told that my name does not appear in their system. The last four digits of my social and my DOB. I was told the account is not mine. 

On XX/XX/XXXX I received an email stating my account is Past Due in the amount of {$120.00}. I contacted the bank and was told the account is not mine. 

I contacted the bank again and received the following message : Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. Our records indicate that the XXXX credit card account ending in XXXX was opened on XX/XX/XXXX. If you have not authorized this account, please contact our account specialist at XXXX for better assistance. Their Hours of Operation : Monday - Sunday XXXX XXXX XXXX XXXX XXXX  EST. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. 

Thank you for contacting XXXX Customer Service. 

I contacted the bank at the number provided and was told there is no information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a text on my phone asking if I authorized a XXXX transaction to XXXX XXXX for XXXX XXXX ( I have this set up as a protection to my account through my bank of America account. Once I answered no, it said a representative would call. Once the call was made he introduced himself as XXXX XXXX, offered me an id #. From there he convinced me that in order to stop the charge he would walk me through the process to do so. He knew the system so well that I believed he was in fact a Boa employee. Once all the steps were done, he said that a call to fraud was needed in order to get a cancelation number. The call was made, 3 way call, I wasn't able to hear alot of what was said, but as soon as he used the word authorition, I immediately came on the line and told them not to, this person immediately hung up and called me 7 different times. The bank gave this man verbal access to my account, without my consent. The bank told me it was to late. That the money had been transferred. I know that I did give this person access. However the bank never got my authorization to release these funds. The bank did say it was transfered to another Boa account. What they won't do is give any information to me in order to help me get justice. A police report was filed. The bank has denied my claim of fraud 2x now. The only thing the bank has looked as is the transaction was done from a device that has and does lots of transactions, which is true because its a business account. What I am not understanding is why any and all information would not be given to me, so that I can pursue this case, this is a felony, impersonation and the amount of money taken. The bank gave access without consent. I also called this man the night he stole from me, my daughter witnessed him admitting to stealing, he laughed about 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 2026-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I have tried probably about 10 times in the last year to make principal payments or get a payoff amount for my auto loan and they do no provide the information or ability to do so. They hide this information and don't allow customers the ability to make principal payments so they can extract maximum interest charges. On their website there is NO information about your loan, interest rate, payoff balance, etc. and NO way to select principal payment in the payment system. On their app, it doesn't work most of the time and goes to an error screen, but one the rare occasion it opens the app there is still no way to find critical loan information or make principal payments. When I callied on the phone, twice it went through a automated system with no option to hear the critical loan information or make principal payments, and when you finally get directed to an " operator '' it stays on hold then disconnects. Even to get the information needed to refinance to another lender is not available on the site, app, or phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: VA

Complaint narrative:
int XX/XX/year> son was going to get apartment, i was going to co sign. within 24 hours he decided not to move we had to pay XXXX hold fee a piece. called, cancelled within enough time got emails can attach emails for refunds. Soon got bill from XXXX ( XXXX  ) that I owe XXXX - Person said it was a glitch it would be taken care of. Kept getting bill and notice for XXXX kept calling -said it would be taken care of. Contacted " XXXX '' no return. It went to a collection agency. Contacted XXXX- Apparently it was an XXXX balance- She sent me a letter to dispute. NO it was a zero payment. Then it was sent to another collection agency. I have been calling, sending letters. - Yes, I could easily pay XXXX - -it 's the principle. I don't owe this and it's impacting my credit. I am in finance. I get my credit checked weekly. Also, it is not impacting my mental and health as my credit was well over XXXX. Credit cards see this and they decrease. This company is shady

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I disputed a transaction. But funds not returned within 10 days of dispute. I disputed in XX/XX/year>. Temporary credit not honored until XXXX. Took 17 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/year>, I accidentally sent {$510.00} through Chimes Pay Friends feature to the wrong recipient. I realized the mistake immediately and contacted Chime the same day to request help reversing the transfer or contacting the recipient. 

Chime informed me that the transfer was considered authorized and denied my dispute. I requested a second review and provided the same explanation, but the dispute was denied again. 

I am submitting this complaint because the funds were sent to an unintended recipient, I acted promptly to correct the mistake, and I am seeking assistance or a formal review regarding recovery of the funds or facilitation of a return.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: NY

Complaint narrative:
On or about XX/XX/year>, I received a debt collection letter from Commercial Acceptance Company regarding an alleged debt owed to XXXX XXXX XXXX XXXX XXXX. 
The letter referenced : Account # : XXXX Client # : XXXX XXXX Balance : {$2700.00} I have no knowledge of this debt, no recollection of receiving services from this entity, and no documentation supporting the validity of this account. 
Upon receiving the letter, I promptly sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), requesting verification of the debt, the original creditor, itemization of charges, and documentation establishing that I am legally obligated to pay this amount. 
As of the date of this complaint, I have not received sufficient validation or documentation establishing the legitimacy of this debt. 
Because I have no information confirming this obligation and no supporting documentation has been provided, I dispute the debt in its entirety. 
I request that Commercial Acceptance Company : Provide full validation of the alleged debt, including original billing statements and documentation proving legal obligation. 
Identify the original creditor and nature of the services allegedly provided. 
Cease collection efforts until proper validation is provided. 
Confirm whether this account has been reported to any consumer reporting agencies, and if so, ensure it is marked as disputed. 
This complaint should not be construed as an acknowledgment or admission of liability. I reserve all rights under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
Authorise use of taking money out my account I want my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
Midland credit management XXXX has not provided me with proper debt validation for this alleged debt, I requested the original contract with my signature, I also requested my payment, history and proof of debt assessment, Midland credit management XXXX has not provided me with this information, please delete this from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo had converted my XXXX XXXX to an XXXX Visa as XXXX no longer does business with Wells Fargo. On XX/XX/XXXX, I noticed a fraudulent charge of XXXX to XXXX * XXXX. I contacted wells Fargo to initiate a dispute, and was told that they would handle it. After not receiving confirmation, I reached back out on XX/XX/XXXX. This time they reissued my card and once again said theyd take care of it. I never received confirmation of the dispute and it is still sitting on my credit card balance. I have now called multiple times for assistance and nobody has contacted me or provided confirmation that this transaction has been disputed, despite multiple requests and calls reporting the fraudulent charge.

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 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
In XXXX, my ex-husband opened an American Express business account using my Social Security number without my knowledge or authorization. We were not married at the time. I never applied for, used, or benefited from this account. 

I only discovered the account years later when my personal American Express cardspaid on time and in good standingwere blocked and later closed due to nonpayment on this fraudulent business account. American Express has reported this business debt on my personal credit report, causing severe damage to my credit. 

I filed a police report and completed an FTC Identity Theft Affidavit. American Express has these documents on file. Despite this, American Express claimed the account was not fraud without providing a valid explanation or evidence tying me to the account. 

In XX/XX/XXXX, I received a phone call from an American Express representative stating that I was no longer liable and that the case was resolved in my favor. Later, American Express denied that this call or determination ever occurred. 

I have spoken with multiple representatives in American Expresss fraud department. Two different managers promised return calls and never followed up. Instead of issuing a fraud determination, American Express sent me copies of billing statements, which does not constitute a fraud investigation or resolution. 

Additionally, when I contacted American Express to cancel the fraudulent business card, the address on that account was changed to my current home address without my consent, further linking fraudulent activity to my personal profile. 

American Express has failed to properly investigate identity theft, failed to honor the documentation provided, improperly reported fraudulent information to credit bureaus, and closed my personal accounts based on debt that is not mine. 

I am requesting that American Express : 1. Remove the fraudulent business account from my credit file immediately 2. Cease reporting this account to all credit bureaus 3. Correct all inaccurate credit reporting 4. Provide written confirmation that I am not liable 5. Review the improper closure of my personal American Express accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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:
This complaint concerns repeated unauthorized duplicate mortgage withdrawals by Rocket Mortgage and their failure to correct their own payment processing errors despite multiple escalation attempts. 

On XX/XX/XXXX, I logged into the XXXX website ( now serviced by Rocket Mortgage ) and made my XX/XX/XXXX mortgage payment - {$1300.00}. A withdrawal of {$2600.00} posted to my XXXX XXXX checking account. 

After reviewing my account and identifying an error, on XX/XX/XXXX, I submitted a written complaint requesting a refund of {$1300.00} and provided bank statements documenting the overpayment. 

On XX/XX/XXXX, Rocket Mortgage refunded {$2600.00}, which was not the amount requested and did not resolve the underlying system error. 

On XX/XX/XXXX, when I logged into my mortgage account, the system showed my XXXX payment as late and warned of late fees and negative credit reporting. To protect my credit, I submitted a payment of {$1300.00}. Rocket Mortgage again improperly withdrew {$2600.00} from my XXXX XXXX account, more than double the amount I authorized. 

I immediately notified Rocket Mortgage and provided documentation of the duplicate withdrawal. I sent escalation emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, including emails to their research department and executive leadership. I received only automated responses and no resolution. 

As of XX/XX/XXXX, Rocket Mortgage has failed to refund the remaining {$1300.00} that was improperly withdrawn from my account. This has caused financial hardship and uncertainty as my XXXX mortgage payment is approaching. 

This is not the first time this has occurred. In XXXX, XXXX XXXX made a similar error, which resulted in an improper late payment being reported on my credit report despite timely payment. This prior incident damaged my credit. 

Rocket Mortgage has demonstrated : Unauthorized duplicate withdrawals Failure to follow payment authorization instructions Failure to correct known account errors Failure to respond to multiple written escalation attempts Risk of improper negative credit reporting due to their own error I will provide documents to back up my above complaints. Please disregard the escrow verbage as that is an entirely different complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
We took out a mortgage in XX/XX/XXXX for our new primary residence. My monthly payments including tax and insurance was approximately {$4500.00} per month. I paid these payments until XXXX and was told to make further payments until they could figure out the issues with their new system. In XXXX, I paid & XXXX toward the principal of a {$490000.00} mortgage. This consisted of 8 payments of {$50000.00}, one for {$25000.00} and one for {$25000.00}. Newrez took interest payments from these payments which they should not have. Since XX/XX/XXXX, I have tried to recast my mortgage. I have spoken with Newrez customer service 14 times since then. Although I was never provided accurate recast documents for signature, in XXXX, XXXX, my monthly payments including tax was reduced to about {$1500.00} per month as I only owed less than {$50000.00} by then. 
On XX/XX/XXXX, Newrez pulled about {$5000.00} from my account without authorization for an XX/XX/XXXX payment not dude for at least one month, which caused my checking account to be overdrawn. I spent 2-3 hours on the phone with 2 different Newrez supervisors who return of funds within 2 business days. My money was not returned. Further, my monthly payment will stay at {$4500.00} per month until they decide to Fix the problem they caused. I am trying desperately to get my monthly mortgage back to an affordable {$1500.00} since my husband has now retired and I am paying all of the bills. Please help me.

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