vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/XXXX I received a email from chime to update my passwordI did so. A few minutes later my account was closed and was told if this is a mistake call support/help. I did so I asked why did my account close suddenly? I was informed there was nothing they can do and have a nice day. I called back and was told the same thing there is nothing they can do read the agreement have a nice day. I called again to ask about my money still on the account and was told you can not get your money back Im sorry have a nice day I asked for replacement card or any type of information to how or why my account was closed? They said read the agreement and have a nice day I have no money now or any reason why my account was closed without any reasoning or my money backthis has caused me to not be able to pay bills or feed myself or my childrento not have a reason or my money back from my account I feel is not right at all. I was not giving any reason why my account was closed or any information regarding my money in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: KY

Complaint narrative:
> Company : Chime Financial , Inc. > Product : Checking or savings account > Issue : Problem with a purchase or transfer Money was taken from account without permission > On XX/XX/year> I was victim of XXXX impersonation scam. Sent {$270.00} via XXXX XXXX to scammer. Scammer also filed false " item not received '' dispute on {$670.00} payment I received for XXXX sale. I have XXXX tracking XXXX proving delivery XX/XX/XXXX to XXXX TX. > Reported to Chime XX/XX/XXXX. Filed IC3 XXXX. XXXX XX/XX/XXXX, Chime supervisor denied Reg E claim stating XXXX XXXX transfers not covered and no record of {$670.00}. Both false. XXXX XXXX is covered under 12 CFR 1005.3 ( b ). XXXX proves {$670.00} chargeback must be reversed per Visa Rule 13.7. > > My liability is {$0.00} per Reg E since I reported in 1 day. Chime refuses provisional credit required by law. > > Desired resolution : Provisional credit {$950.00} + reversal of false {$670.00} chargeback within 10 business days. XXXX XXXX XXXX XXXX XXXX XXXX, KY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had lost my job during the month of XX/XX/XXXX, and so I applied for a forbearance from XXXX of XXXX to XXXX of XXXX, and after that, regionsmortgage had given me a loan modification trial period for three months, running from XXXX to XXXX. I had created a separate bank account with regions for the sole purpose of allowing regions to automatically remove their payments towards the mortgage, as they said they would do every XXXX of the trial period. XXXX worked out fine in regards to them automatically drawing out their money, from that same regions bank account. The problem started in XXXX, when on the XXXX, they had not automatically removed our money and did not notify me of non-action, meanwhile, I had the payments and funds for the mortgage sitting within the account for them to withdraw, which we sent evidence of this to regions bank when we had submitted for another loan modification in XXXX of XXXX, detaling this exact thing. So they sent a letter saying that we had failed the trial modification because of non payment, and told us that we had to call them in order for them to withdraw their money, but they never relayed this information to us, as they had automatically withdrawn their payment from the account in XXXX, and so we assumed the same for the last two months. After this, I had sent them the payment for XXXX and XXXX, without the knowledge the trial modification had failed, and they received the money and applied it for those two months. Then later, we had found out that they had sped up the past due payments from the forbearance, and now we had to pay a sum larger than XXXX since the modification had failed. We had applied for a loan modification again, but was denied as the previous trial modification had failed, even though it did not fail because of lack of funds, but rather miscommunication. Than we filed an appeal as we were eligible, and gave them the proof of funds in the account during that time peroid of XXXX of last year and XXXX of this year, showing they were in the bank account and ready for an automatic withdrawal, but after this it was once again in denied.

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 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OH

Complaint narrative:
I open an account with cashapp in XXXX. My account was randomly closed and deactivated with no proof or reference as to why. I reached out to their customer support who informed me that the reason for deactivating my account was because I violated their rules and misconduct of my account. They did not provide any proof or reference to any transaction on my account. I reported an unauthorized transaction with this merchant who denied my claim and deactivated my account. This business is allowing their employees to target individuals and misuse my information. I am reporting this business for fraud and misconduct. I have had a account with cashapp for several years and the moment I reported a transaction that I did not authorized I was accused of misconduct ( without valid proof/ no proof at all ) and they deactivated my account. They have also kept the money that was on my account and wouldn't allow me to access it or withdraw it. I am asking that you open a investigation regarding cashapp and properly investigate my account and transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
I am filing this complaint regarding Ford Motor Company and Ford Motor Credit concerning my inability to contact Ford Motor Companys Customer Relationship Center after being specifically directed to do so in writing. On or about XX/XX/year>, I received a written response from Ford Motor Credit stating that my concerns regarding my vehicle should be directed to Ford Motor Companys Customer Relationship Center at ( XXXX ) XXXX. However, when I attempt to call from my phone number, XXXX, the line disconnects within approximately 12 seconds without allowing me to reach a representative. This issue appears consistent and ongoing. I am requesting Ford explain : 1. Whether my phone number has been intentionally blocked, restricted, filtered, or otherwise prevented from contacting Ford Motor Company or its Customer Relationship Center ; 2. If so, the reason for the block or restriction ; 3. The date any such restriction was placed ; 4. What policy or justification Ford relied upon to block or restrict communications ; 5. How Ford expects consumers to resolve disputes when they are unable to access the contact method Ford itself provided in writing. Additionally, I have repeatedly requested written communication accommodations due to a medical disability. Ford and related entities have failed to meaningfully communicate through my preferred written methods, including email correspondence, despite my repeated requests. Instead, I continue to receive limited or nonresponsive communications while also allegedly being unable to access the provided phone contact number. This situation has interfered with my ability to address ongoing vehicle, warranty, recall, title, and financing-related concerns. If my number has been blocked, I request Ford Motor Company provide a written explanation and immediately restore my ability to communicate through normal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
I hired National Debt Relief to manage my XXXX debt. They continued to take my monthly fees but failed to respond to a lawsuit, resulting in a default judgment against me The Debt is Expired : " The original XXXX contract is governed by Delaware Law ( 10 Del. C. 8106 ), which has a 3-year Statute of Limitations. XXXX XXXX sued me after this 3-year window had already closed. " XXXXXXXX XXXX Failure : " I paid National Debt Relief to protect me. They were aware of the lawsuit but failed to file an answer or raise the Delaware 3-year defense, leading to a default judgment I shouldn't have lost. " Illegal Re-aging : " XXXX XXXX and their collectors are reporting monthly 180-day late statuses from XXXX to XXXX on a static, time-barred debt to artificially lower my credit score. " Extreme Hardship : " Due to the combined negligence of XXXX and the aggressive tactics of XXXX XXXX, my bank account is now at negative {$5000.00}, leaving me with XXXX funds for food or survival. National Debt Relief ( XXXX ) provided my confidential banking information for XXXX XXXX XXXX to the Plaintiff 's attorneys without my consent or knowledge. This information was then used by a Court-Appointed Receiver to place a {$5000.00} negative hold on my only survival account. This was a direct breach of my privacy and their fiduciary duty to me as a client

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
I began the Loan Assumption process as dictated by the XXXX XXXX. The process was started on XX/XX/year>. The paperwork was to be emailed to me, but it was mailed instead. I didn't receive it for 8 days. I filed the paperwork and communicated with the Manager at Rocket Mortgage, XXXX XXXX ( XXXX ). After some back and forth, XXXX XXXX confirmed on XX/XX/year>, that she had received all of my paperwork appropriately. Weeks pass with no updates, I email XXXX asking for updates, with questions about the process- things I will need down the line, etc. No response. I got a letter in the mail that states the request was denied because the decree doesn't clearly state that the home was awarded to me. It very clearly does state that- Item 14, Letter A. But the whole thing was denied. This leaves me to start over completely. So I did. I received a call from XXXX at Rocket Mortgage on XX/XX/year>. I was at a Dr appt, so I asked that she call me back tomorrow ( XX/XX/year> ), to which she agreed to do. No call back from her until XX/XX/year>. In the meantime, I called on XX/XX/XXXX, looking for an update. I sat on hold for a significant amount of time. The call ended with the promise that a Manager would call me back that same day. That did not happen. I emailed XXXX XXXX daily after this, stating that I needed a call back ASAP. XX/XX/year>, XXXX with Rocket Mortgage called me back. XXXX explains that now they have the Decree, but that the signatures on the Decree are not there. When I open the PDF that was sent to XXXX XXXX, I can see the signatures of the Judge, myself, my ex, and the court administrator. It is not something that would just disappear in transit over email. After much back and forth with XXXX, it was decided that it would be best to escalate my concerns to the " Escalation Department ''. XXXX explained my situation to them, then transferred me. The female in said department ( whose name starts with XXXX ), answered my call and then promptly hung up on me. No call back to me. I emailed XXXX XXXX again ( please understand XXXX XXXX is the ONLY email contact I have to reach any one specific person back again ), asked for a call back as Escalations hung up on me. No response. I have a court-imposed deadline for this task to be completed, and I have not waited until the last minute, as I still have a few months before this deadline. Which is why I remain proactive and try to ensure I get good customer service from Rocket Mortgage, and up until now, I have not been getting that! I will be homeless soon, and it will be because this company refuses to effectively participate with me, be transparent and communicative, or be helpful in anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I accidentally made 2 mortgage payments on XX/XX/XXXX. The transaction history on my Rocket Mortgage online account shows those 2 payments were applied to my XX/XX/XXXX and XX/XX/XXXX statements ( see attached ). However, I have received a XX/XX/XXXX bill from Rocket Mortgage. I used chat twice and called twice ( I got cut off both times ) and was told that the 2 payments were applied to my XXXX and XXXX statements but I still had to pay the statement dated XX/XX/XXXX. My question was " if I made 2 payments, where is the month I get off from making a payment? '' If was told just to take XXXX off and make the XX/XX/XXXX payment on XX/XX/XXXX. I tried to take the phone rep back to the very beginning of my loan in XXXX and show that I've always paid 3 weeks early ( 3 weeks before the due date ). I was told that they have a new system and they were unable to go back before XXXX of XXXX. I also have a screen shot attached of a chat I had with Rocket Mortgage on XX/XX/XXXX where I was told I didn't have to make the XX/XX/XXXX payment. Basically, we all agree I made 2 payments on XX/XX/XXXX but Rocket Mortgage wants one of those payments to evaporate into space. Another angle to look at this : My transaction history shows I have always made my payments 3 weeks early. ie : My payment due XX/XX/XXXX was made on XX/XX/XXXX. Now I being told, make your payment XX/XX/XXXX on XX/XX/XXXX. That is not correct. I pay 3 weeks early, ( always have ) so the 2 payments I made on XX/XX/XXXX cover the bills due XX/XX/XXXX and XX/XX/XXXX. If I start paying on the due date in XXXX instead of 3 weeks early, they are missing a payment. I feel that Rocket mortgage took {$1400.00} from me and never applied it to any statement. If they go back to the beginning of my loan and follow it forward month by month, they will see that I paid my statement due XX/XX/XXXX on XX/XX/XXXX and I also paid my statement due XX/XX/XXXX on XX/XX/XXXX. I should not have received a XX/XX/XXXX bill as confirmed in the attached screenshot of the chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I have spoke to the collection agent on the phone 2 times and told her it was not me. I have contacted original apartment in Texas and they confirmed it was not me. The apartment sent the info to the collection agent XX/XX/XXXX that showed this person is half my age. I have also lived in XXXX for the last 15 years. At the same address. I sent a certified letter requesting all info about this debt to be sent to me. The agency received it and I have a return receipt as proof. I have also disputed with all credit agencys and they all said it was my debt. It is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
Synergetic Communications has been harassing me for weeks. Theyve called my work phone repeatedly, called my husbands phone daily ( late evening ), and now they called my stepdad. I asked for verification of the debt they are referring to via mail on XX/XX/year>. They said it would be 7-10 days. I still havent received anything yet they continue to call daily. I asked for them to stop and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: FL

Complaint narrative:
A medical collection is being inaccurately reported for an encounter under XXXX XXXX XXXX dated XX/XX/year>. XXXX XXXX XXXX, through their billing affiliate, billed for rendered services, in the amount of {$1800.00} ( approximately ). XXXX XXXX, the billing servicer for the provider, confirmed by a phone that I currently have a {$0.00} patient balance. XXXX XXXX also confirmed that their collection debts go to XXXX. When I contacted their office, they sold the debt to National Recovery Agency. When I contacted National Recovery Agency, they verified they have the debt still showing as an owed balance. I asked them to return the debt to the original provider for proper insurance filing and they refused. XXXX XXXX, the parent company for XXXX XXXX XXXX, confirmed in writing that the VA was billed and paid in full. They also advised in writing that XXXX was notified of this. Despite this, National Recovery Agency continues to report the account and XXXX has verified it as accurate. Upon dispute, XXXX has removed this debt from my credit report, however ; XXXX and XXXX still show it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I requested a credit increase a few months ago. I have a good credit score and my limit was decreased saying XXXX was reporting I had high credit usage on my accounts so I reported false reporting by XXXX because that wasnt true. I was told by PayPal On a recorded call to wait and submit another increase which I did and the limit decreased even more. Now to XXXX. And my balance is {$510.00}. I pay {$250.00} every month. PayPal is balance chasing and destroying my credit score. This time theyre saying its because of my PayPal wallet which has nothing to do with my credit line. And didnt mention any issues with the credit score. At this point they are making up reasons to decrease my score which is not fair to the consumer. Im in my mortgage process and because of PayPal my score has dropped XXXX points.

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 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Request for intervention regarding bank negligence and failure to provide military consumer protection. I am filing this complaint to request the intervention of this federal agency due to Capital Ones negligence. The banks fraud department prematurely closed a forgery investigation, completely ignoring an official police report from Texas classified as XXXX XXXX XXXX. As an XXXX XXXX XXXX XXXX, this negligence is causing severe distress and potentially jeopardizing my military standing and security clearance. Despite the fact that the contract in question is the product of a criminal act of forgeryand therefore void by lawthe bank decided to validate the debt based on an internal narrative that ignores the criminal evidence provided. While the case has been escalated to the banks executive level, the institution continues to fail in recognizing the severity of the fraud or applying the appropriate legal protections I am entitled to as a service member. I am requesting the CFPBs collaboration to ensure a fair and thorough investigation and to stop the negative impact this negligence is causing. The bank is validating a criminal transaction to avoid its responsibility, failing in its duty to protect those who serve.

Company response to consumer: Closed with explanation