vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
Problem : Countryplace XXXX has collected my escrow funds but has not released them to the county for taxes causing delinquent taxes, late penalties, attorney fees, and threats of tax lien. I have contacted Countyplace XXXX XXXX XXXX ) numerous times over the past several months without success. Contacts XXXX XXXX Email to XXXX XXXX countryplace XXXX on XX/XX/XXXX to inform XXXX I noticed that they still have not dispersed the funds for taxes for bill received on XX/XX/XXXX. I received a call XX/XX/XXXX informing me that all taxes had been paid in XXXX. I then received a XX/XX/XXXX from XXXX XXXX detailing delinquent penalties and fines for failure to pay taxes. XXXX Email sent XX/XX/XXXX to XXXX XXXX countryplace requesting funds be released to pay open taxes. No response. XXXX Call on XX/XX/XXXX to agent and was assured they would look into it. Notified a XXXX party pays on behalf of XXXX. Told no way for me to contact escrow team other than email. - Email sent on XX/XX/XXXX. Follow up to previous unanswered email. No response. - Call XX/XX/XXXX to agent. No help. - Email sent on XXXX. Following up on no response from XX/XX/XXXX and XX/XX/XXXX emails. No response. - Call XXXX to XXXX agent ( XXXX ). XXXX informs me that they are having frequent issues with the XXXX party escrow team. Instructs me to not pay personally. - Linked in to XXXX XXXX XXXX XXXX XXXX seeking help. We trade emails. No action from XXXX other than apology and they will look into it. Told to let it run its course. - XX/XX/XXXX XXXX informed me that they have still not received payment and on XXXX the penalties will rise significantly and will be passed to attorney for lien processing. - XX/XX/XXXX call into XXXX agent ( XXXX XXXX and told once again they do not have direct contact with escrow team. Can see notes in system over past several weeks. But no payment has processed yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Barclays Bank of Delaware Account # XXXX Did not get ID sent to an u known address never verified needs to be removed from my credit. If not removed will be filing in federal court for punitive damages.

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 2026-03-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Global Tel*Link Corporation
State: FL

Complaint narrative:
I have been using GTL/XXXX XXXX prepaid messaging account to communicate with an incarcerated individual at XXXX XXXX XXXX XXXX XXXX Tennessee since XX/XX/XXXX. I have deposited over {$2200.00} into this prepaid account system and paid per message, per call, and per video. Between XX/XX/XXXX and XX/XX/XXXX, XXXX blocked or denied XXXX messages I paid for with no explanation, no content violation notice, and no appeal process offered. These messages contained legal materials for an active appeal currently before the XXXX XXXX XXXX XXXX XXXX. The incarcerated individual is a XXXX XXXX XXXX Blocking his legal communications during an active appeal is obstruction of his constitutional right of access to courts. Additionally, since XX/XX/XXXX the same date XXXX implemented a new mail digitization policy the incarcerated individual 's phone access has been restricted to XXXX minutes per month with no disciplinary basis. He has filed three formal grievances with no response. I have paid for a service that is not being delivered. Messages are being selectively blocked based on content. I received no notice, no explanation, and no refund for blocked messages I paid for. The CFPB issued an enforcement order against Global Tel Link Corporation and XXXX XXXX XXXX doing business as GTL XXXX XXXX on XX/XX/XXXX for blocking accounts and preventing families from communicating with incarcerated individuals. That same conduct is continuing against me right now in XXXX XXXX, a video showing a law enforcement officer at a location connected to the murder weapon asking a supervisor what evidence to collect was blocked from reaching the incarcerated individual. This video constitutes XXXX material relevant to his active appeal. Its specific blocking while other less legally significant images were approved demonstrates targeted content suppression of exculpatory evidence The individual responsible for approving and denying messages has been identified as XXXX XXXX in the compliance department. The individual responsible for restricting phone access to 30 minutes per month has been identified as XXXX XXXX. Both are named XXXX XXXX XXXX XXXX employees acting under color of state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
I am writing to formally dispute the qualifying payment count for my Public Service Loan Forgiveness ( PSLF ) account. Based on my certified employment history, I have exceeded the required 120 qualifying payments, yet my account has not been updated to reflect this after numerous recertification attempts and requests, and my total public loan forgiveness has not been processed. The following certified periods of employment are currently missing from my qualifying payment count : XXXX XXXX ( XX/XX/XXXX Present ) : I have submitted certification for this period, yet XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and XX/XX/XXXX are not being counted. XXXX XXXX XXXX XXXX ( XX/XX/XXXX XX/XX/XXXX ) : I have submitted certification for this XXXX period, but the following months remain uncounted : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. I have fulfilled my obligations under the PSLF program requirements. The failure to apply these certified months to my account is causing a significant delay in the discharge of my loans.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I am writing to formally dispute inaccurate information reported by Santander Bank, XXXX. regarding account number XXXX on my credit reports. This account is incorrectly marked as derogatory and is significantly impacting my credit scores, which currently stand at XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. I have already filed disputes concerning this account on multiple occasions, specifically on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX all of which were responded to with automated messages that failed to rectify the incorrect information. The Fair Credit Reporting Act ( FCRA ) mandates that information reported must be accurate and that consumers have the right to dispute and correct any inaccuracies. Despite my efforts, the necessary corrections have not been made, continuing to damage my financial standing and my ability to obtain credit at reasonable rates. The erroneous derogatory status of this account has caused undue stress and financial hardship. It has hindered my eligibility for favorable loan terms and has negatively impacted my creditworthiness. I believe this is a clear violation of my rights under the FCRA, as the information in question is not only inaccurate but also unverified by Santander Bank, XXXX, despite my repeated requests for correction. Given the circumstances and my unsuccessful attempts to resolve this matter directly, I am requesting the complete removal of this account from all three credit bureausXXXX, XXXX, and XXXX the appropriate and fair resolution to this ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 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: Comerica
State: MA

Complaint narrative:
On XX/XX/XXXX multiple purchases were made through XXXX early in the morning, and I received no Notifications for a total of {$970.00}. I filed a dispute with XXXX XXXX on XX/XX/XXXX as I noticed these purchase on my account XX/XX/XXXX was a Friday they closed my dispute on Monday the XXXX, the dispute department is closed on Saturday and Sunday the XXXX and XXXX. A week later I received a call from a company representing XXXX XXXX and was told my dispute was denied again and it was my responsibility to call XXXX and confirm my purchases to XXXX that i did not make. I did call XXXX and went through some of the purchases that were made and found out that none of the purchases were sent to Massachusetts and that my existing XXXX account could not have been used to make these purchases as it was restricted because it had not been used in years. My point it is not my responsibility to call XXXX and confirm purchases I did not make in the first place and the information I can get from XXXX is limited as I am only a customer but I am certain if the company representing XXXX XXXX would be able to receive more substantial i9nformation as a financial institution! I am not at all satisfied at all with XXXX XXXX actions and response to my Dispute I have provided them all the information I could in helping solve this dispute plus i have had to purchase XXXX new cards at my expense of {$17.00}! The complaint # XXXX XXXXXXXX for {$970.00} Additional information provided by consumer : XXXX Consumer informed us the complaint should go to XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b"I had a Chase Mileage Plus UNITED credit card. I will never fly United again after two of the worst flights imaginable to and from London. I am not interested in miles earned. I got an annual fee charged on this credit card. I wrote to United and to Chase CEO's, re-sent letter two times and no response. I cut this card up and have no use for it. They continue to send me bills with interest and phone to collect. My account is closed so why do they keep charging interest and billing me ?\nChase/United Credit card: XXXX XXXX XXXX XXXXThey have reported a debt on my credit reports"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I demanded that company cease and desist all debt collection, practice activities under the FDCPA and TILA and FCRA RE : APPLE CARD XXXX GS BANK USA Account No. : XXXX Reported Balance : {$6100.00} Status : Charged Off Date Opened : XX/XX/year> This letter serves as formal notice that the above-referenced account is disputed in its entirety. The continued reporting of this account is inaccurate, unverifiable, and legally non-compliant under the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( XXXX ), Truth in Lending Act ( TILA ), Fair Debt Collection Practices Act ( FDCPA ), and the Uniform Commercial Code ( UCC ). You are hereby directed to IMMEDIATELY DELETE and PERMANENTLY BLOCK this account from all consumer reporting systems. The continued presence of this account constitutes willful non-compliance with federal law. LEGAL BASIS FOR DELETION : Reporting information that is inaccurate, misleading, or incomplete violates FCRA XXXX ( b ). FACTA XXXX requires blocking of unverifiable data and prohibits reinsertion once deleted. TILA violations render improperly disclosed credit accounts unenforceable and non-reportable. Any continued reporting or communication constitutes unlawful collection activity under FDCPA XXXX. Under XXXX XXXX and XXXX, no obligation is acknowledged or enforceable absent lawful authority. FORMAL DEMANDS : XXXX. Immediate deletion of this account from my consumer file XXXX. Permanent blocking against re-reporting or reinsertion XXXX. Written confirmation of deletion XXXX. Cease and desist all furnishing, reporting, or communication related to this account Failure to comply will result in regulatory complaints with the CFPB, FTC, and State Attorney General, and civil action for statutory and punitive damages under FCRA XXXX and XXXX. This correspondence is not an admission of liability. All rights are expressly reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a high-net-worth client with a combined balance of approximately {$290000.00} across my linked accounts ( XXXX XXXX XXXXXXXX and Wells Fargo Advisors XXXX XXXX XXXX XXXX Wells Fargo is in clear breach of a written contract regarding a {$2500.00} " Premier Checking '' bonus offer signed and acknowledged on XX/XX/XXXX. The Facts of the Breach : Contractual Compliance : I fulfilled all requirements by maintaining the necessary XXXX XXXX balance through the 90-day qualification period, which ended on XX/XX/XXXX. Expired Deadline : Per the terms of the offer, the bonus was to be paid within 30 days of meeting the requirement. That deadline was XX/XX/XXXX, and it has passed without payment. Bad-Faith Stalling : On XX/XX/XXXX, I spoke with branch employee XXXX XXXX XXXX XXXX XXXX who admitted the bonus had not been paid. She refused to provide any status update or explanation via email, insisting on " verbal-only '' communication to avoid a XXXX XXXX. She then attempted to arbitrarily extend the waiting period by another 8 days, which is not supported by the original signed terms. XXXX XXXX : The bank is effectively holding nearly {$300000.00} of my XXXX while failing to honor a {$2500.00} debt. I have already escalated this matter to the Office of the Comptroller of the Currency ( XXXX ) and the Wells Fargo XXXX 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 2026-03-27 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized recurring charges for a service called Account XXXX. On a XXXX credit card. I did not knowingly or willingly enroll in this program. My only interaction was clicking a learn more option, and there was no clear or obvious disclosure that doing so would enroll me in a paid monthly service. Despite this, I was enrolled and charged monthly without my informed consent. When I contacted customer service, they insisted that I enrolled, but could not provide clear proof of consent or explain how the enrollment was properly disclosed. They only refunded one recent charge which they billed me for after they told me it was canceled and no further charges would occur, which remain unresolved. This appears to be a deceptive enrollment practice, where consumers are signed up for a paid service without clear authorization. I made multiple attempts to resolve this directly with the company, but they have been unhelpful and continue to repeat that I enrolled without addressing the lack of clear disclosure or authorization. Ive also attached the letter I received, and I never detached the letter for confirmation of the enrollment for Account XXXX. I still have it in my possession as of XX/XX/year> as I am filing this complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
being charged for a debt that I did not authorized the use of my personal information for

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 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I'm dealing with a Robinhood Credit Card They have a balance statement payment option on their app that is different than what is in their system. I pay the full amount every month and have been hit with an interest charge that they wont remove. I spoke with multiple agents and they have not helped. I have screenshots of the chat and of my app with a differing amount. I have a balance statement due on XX/XX/XXXX per the app and email of {$1700.00}. They informed me on the chat that I owe {$1800.00}. This will of course incur a delequint interest charge. Very deceptive. They did this to me on XX/XX/XXXX to the fee of {$77.00}. This one they reversed. A new Interest charge of {$62.00} was assessed on XX/XX/XXXX. They will not reverse this one. I had a balance of {$3200.00} and I paid {$4200.00}. There should be XXXX reason to add an interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: AMERICAN HONDA FINANCE CORP
State: TN

Complaint narrative:
I turned in a lease earlier than the maturity. The did not send a bill to me and I just received a debt collector call saying I owe {$27000.00} and have not received any information or bill prior. This lease was from Honda Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: Remitly, Inc.
State: NY

Complaint narrative:
It was sent {$860.00} from my debit card to Remitly transfer to XXXX currency {$4.00} reais XX/XX/XXXX. They confirm that it was deposited the same day. But the recepient did not received the money. It has been about 14 days. I provided them with the recepients bank statment that proofs that is was not deposited. They keep sending me proof of deposit from my bank to the XXXX XXXX, but not proof frm the XXXX XXXX to the recepients bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Issue : Failure to provide periodic billing statements followed by inaccurate derogatory credit reporting. Background : I maintain two credit card accounts with Bank of America ( one Mastercard and one Visa ). For several consecutive billing cycles ending in XXXX, the company failed to deliver monthly billing statements to me via mail or electronic notification. Actions Taken by Me : Upon discovering the outstanding balances, I contacted the company on XX/XX/year> and XX/XX/year> to request proof of statement delivery. I explicitly asked for mailing logs or electronic timestamps to verify that the statements were sent as required by the Fair Credit Billing Act ( FCBA ). Despite these requests, the company refused to provide any evidence of delivery. Payment History : On XX/XX/year>, I paid the full balances for both the Mastercard {$14.00} and {$92.00} : {$100.00} to ensure the accounts were satisfied. Company Actions : Despite their failure to provide the legally required 21-day notice before a payment is due, the company reported these accounts as delinquent to the major credit bureaus. This reporting is inaccurate because the company failed to provide the means for me to identify and pay the debt on time. Resolution Requested : I am requesting that the company remove all derogatory " late '' or " delinquent '' marks from my credit reports for these two accounts and update my status to " Paid as Agreed '' to reflect the actual circumstances of this billing error.

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 2026-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I had a loan with XXXX Home Loans. I paid off the loan during a refinance with XXXX Bank. XXXX XXXX XXXX sold my loan to Shell Point Mortgage after I had already paid off the loan and refinanced with XXXX XXXX. XXXX has failed to provide me with the payoff statement requested via email and via a lengthy phone call. Shell Point Mortgage has refused to remove the new loan and I am getting phone calls for past due on a loan from Shell Point Mortgage which I do not have.

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