vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: HOMESTEAD FUNDING CORPORATION
State: CT

Complaint narrative:
Homestead originated the loan. XXXX says origination issues must be addressed with Homestead. HUD/FHA says the lender/servicer should provide the records. I am requesting Homestead produce the origination file, wet-ink Note evidence, Closing Disclosure history, endorsement/allonge records, FHA case binder materials XXXX insuring/endorsement records, funding/disbursement records, and any transfer/sale/servicing-transfer documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
still getting misleading statements after final payment on XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 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 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
I purchased a product off XXXX, paid with XXXX XXXX by Affirm .. Never got the product, it was a scam. I filed a complaint, they investagted and believed the company that I received it when In did not. Even sent them a message from the company admitting they cancelled mailings the item XXXX me because I filed a claim against them ( a XXXX XXXX ) .. Affirm said I owed the XXXX XXXX I paid it off tried to cancel my account and got the runaround from the overseas AFFIRM CSR. Disgusted and they need to be reported. I can not get them to cancel my account! They refused. It is paid in full even though they scammed me out of XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
The primary disputed transactions include the following XXXX Signature Purchases associated with XXXX XXXX XXXX XXXX XXXXXX/XX/year> {$3800.00} XX/XX/year> {$7800.00} These transactions were not authorized or conducted by me. As a result of these disputed charges, my account now reflects a negative balance exceeding {$11000.00}, causing substantial financial hardship and operational disruption to my business account. I promptly reported the matter to XXXX XXXX and filed a dispute ; however, the claim was denied without sufficient explanation or evidence demonstrating that these transactions were authorized by me. I am requesting : A full reinvestigation into these transactions Review of any signature verification, device information, IP logs, merchant authorization records, and transaction authentication methods used Copies of all documentation relied upon in denying my claim Restoration of any funds determined to be unauthorized Given the size of these transactions and the impact on my account, I believe this matter requires immediate escalation and independent 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 2026-05-12 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: MOHELA
State: CO

Complaint narrative:
I applied for an IDR plan through the Fed student loan website. It stated my payments would be {$110.00} per month on an IDR plan. I applied and received an email stating my payment would be {$14.00} and {$32.00}. I called and they stated yes, my payment would be {$32.00}. I made the first payment due XXXX. I then received an email that stated my payments have changed on XXXX to {$250.00}. I reached out to them again and spoke to a supervisor who stated that I should send in my W and recent paystub this was on XXXX. I then again received an email stating payment update to {$250.00}. I called again and spoke to a supervisor who then stated there was a payment error and she would get this corrected this was on XXXX. I even uploaded to them how fed student aid was calculating the payments with screen shots and was told they would correct the issue. I even reached out to fed student aid via chat and was advised that if I was entering the information correctly my payment would be the {$110.00}. Nothing had changed so I reached out again on XXXX and spoke again to a supervisor and was again told the account would be corrected. I received an email on XXXX that my account payment had been updated and my new payment would be {$110.00}. Within hours I received another email saying payment update on account {$250.00}. I called today and spoke to an agent who then was also confused on the account and was transferred to a supervisor again. She was by no means helpful, couldnt explain why I received two emails with two different amounts and wrote me off saying my payment and billing would be correct at {$250.00}. I am attaching the screenshots from the Fed student aid website. I want to know WHY Fed student aid says one amount and Mohela can not get the payment correct per the Fed student aid? Please see the attached. I am also attaching my W2 and paystub that has been sent to the on XXXX and again on XXXX. Please help. I am not getting anywhere with them and want my payments to match the Fed student website. So confused.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: RI

Complaint narrative:
I refinanced my mortgage and servicing was transferred from XXXX XXXX to US Bank in late XXXX. In XX/XX/XXXX, I received a refund from XXXX in the amount of approximately {$1800.00}. The refund provided no explanation or context, and I was not notified by US Bank or XXXX XXXX that the refund was related to an insurance payment issue or that it would result in a future escrow shortfall. On XX/XX/XXXX, after contacting XXXX directly for a matter with car insurance, I learned for the first time that my homeowners insurance policy had been cancelled due to underpayment, which XXXX attributed to US Bank not remitting the full premium from escrow. I was never notified by US Bank that the premium was underpaid, that coverage was at risk, or that the refund I received represented an amount that would later be due. US Bank is now asserting that I am responsible for covering the resulting escrow shortfall using the refunded funds from XXXX. I dispute this outcome because the underpayment, policy cancellation, refund, and lack of notice all stem from escrow servicing failures outside of my knowledge or control. The refund occurred months ago, during a refinance and servicing transfer, and without timely notice I had no reasonable ability to mitigate or plan for this issue. I do not dispute that the insurance premium must ultimately be paid correctly. However, I am requesting that US Bank address this as a servicing and communication failure, mitigate borrower harm, and not assign financial responsibility to me for an escrow error that went uncommunicated for several months.

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 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Valor Intelligent Processing, LLC
State: VA

Complaint narrative:
This not my account my Personal information was stealing please this account don't belong to me XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX this Valor Intelligent Processing , LLC ADDRESS XXXX, XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX ( XXXX this company has bought this account in faith to sabotage my personal information. i will be sending a cease desist all so. MY IDENTITY WAS STOLEN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently transitioned my personal PayPal account to a business account for legitimate professional growth. My first transaction was immediately flagged, and my account was permanently limited despite no disputes from the sender. On XX/XX/year> I received a payment invoice of {$2500.00} from my employer for a monthly payment. I am his assistant and he pays me with his credit card so I used PayPal as I have been a customer with PayPal for over 13 years. I received said payment and it was automatically limited. I called PayPal and they told me they would clear it in 3-5 business days I just needed to provide them with further information. I provided my ID again ( just after I provided my ID less than 2 weeks prior ) and I gave them the reasoning for my payment. The representative assured me that she would be taking care of it and I should be clear within the next couple of days. 2 days later I received an email that says they are permanently disabling my account. I then call PayPal back immediately and the representative assures me this is odd and will then submit an appeal and I should hear back in about 3 business days. I wait 3 business days and I hear nothing back, I then call again for the 3rd time and am told that my account is disabled due to being suspicion of being underage or in a country where PayPal is not able to be used. I am XXXX XXXX XXXX, I have had this PayPal account for 13 years and I live in the United States of America. At this point I am calling every few days to get an update because I want to continue using my PayPal account not just receive my money. Finally a representative tells me that they aren't going to approve my appeal and my account will stay permanently disabled and they will be holding my funds of {$2400.00} for 120 days, it will be released to me on XX/XX/XXXX. This is unacceptable as the funds have cleared, and this is my monthly check. I have receipts and approval of payment being legit and this is unfair to someone who has been a loyal customer for over a decade as now I have to wait 3 months for my payment. Also when I check on the paypal website it says my funds will be be released on XX/XX/XXXX now instead of XX/XX/XXXX, COMPLETELY UNACCEPTABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX, I got a phone call from a man stating he was from a bank ( all I remember is it was either XXXX or XXXX XXXX ), trying to have me verify the charge or he would would remove it. I verified I had not made the charge. He stated he could and asked me to share my screen. Stupidly, I did it. At that point, he was speaking fast and told me he needed information to do the credit. After a while, I realized it was a scam and hung up. I called all my bank and credit cards within 24 hours, and much less actually. All in all, XXXX, XXXX XXXX and XXXX XXXX and PayPal received 4 charges each with the same title of XXXX as the initiating the transactions. I have attached the individual charge information, handwritten by me for I could not figure out how to print. PayPal had 6 charges all on XX/XX/year>. {$2100.00}, {$2100.00}, XXXX, {$2100.00}, XXXX, XXXX. I dont know if this matters but I am XXXX XXXX XXXX. ( as of XXXX ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding materially inaccurate and potentially misleading credit reporting by Wells Fargo Auto regarding a charged-off auto loan tradeline following a prior involuntary repossession. This tradeline is being reported inconsistently across multiple consumer reporting agencies, with discrepancies in key account data, account status reporting, derogatory timelines, and continued furnishing that materially impacts my creditworthiness and financing opportunities. I have serious concerns regarding the accuracy, completeness, and legal reportability of the information being furnished by Wells Fargo. Given the age and status of this account, I am requesting confirmation of the legal status, ownership, and basis for continued reporting of the alleged balance, including whether any assignment, transfer, cancellation of indebtedness, discharge, or other status change has occurred with respect to the alleged balance Under the Fair Credit Reporting Act, furnishers are required to report information with maximum possible accuracy. I request full documentary verification supporting all information currently being furnished for this tradeline. If Wells Fargo can not fully verify the accuracy, completeness, and legal reportability of this reporting, I request correction or deletion of the tradeline.

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 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
They have not provided proof that I have a contractual obligation to pay them. They haven't sent a copy of the original agreement bearing my signature and a complete chain of ownership from the original creditor and if the debt was paid via a trust. They keep replying nothing has changed but haven't conducted any type of investigation and nor have they provided me with the information requested above, as such I request that this account be permanently deleted from all bureaus and that no further action now or in the future be taken against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Chime Financial Inc
State: PA

Complaint narrative:
I was charged by company claiming to be XXXX 5 times on XX/XX/XXXX. XXXX charges at XXXX each and XXXX charge for {$19.00}, I disputed all charges on XX/XX/XXXX. XXXX for XXXX was approved on XX/XX/XXXX and the other 4 were denied on XX/XX/XXXX. On XX/XX/XXXX i was again charged by XXXX for XXXX and XXXX, I disputed those and was denied on XX/XX/XXXX. I called to ask why they were denied and they sent me a document stating they looked at my purchasing history and deemed these valid. On XX/XX/XXXX I called and asked for Microsoft to be blocked from my accounts as these are not valid charges. I was told they were blocked. On XX/XX/XXXX I was again charged {$19.00} from XXXX and I called Chime again and was told it was still pending. I explained that XXXX was blocked and they said somehow it went through. This put my account in a negative status. I was told I had to pay the amount to close my account. These charges were not mine and my persistent disputes were denied. I have no way to contact XXXX because I don't have an account with them and have no way of knowing what these charges are for. Chime stole my money and have refused to close my account until I fix the negative balance. of which I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Credit Services Inc.
State: FL

Complaint narrative:
XX/XX/year> Sent via Certified Mail To : 1st Card Srvc XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Debt Validation Request Under FDCPA 809 ( b ) To Whom It May Concern, I am requesting full validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide : 1. Original signed agreement 2. Full itemized account history 3. Proof of assignment/ownership 4. Date of first delinquency 5. Proof you are licensed to collect in my state 6. Documentation proving permissible reporting to credit bureaus Until validation is provided, you must cease collection activity and cease reporting this account. Failure to validate yet continuing to report may constitute violations of : FDCPA FCRA 623 ( a ) FCRA 611 If you can not validate the debt, delete the account from all consumer reporting agencies immediately. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Fraud Statement of Claimant On XX/XX/XXXX, I was contacted by someone claiming to be a Bank of America fraud prevention worker. I was told that a transfer had been initiated from my savings account for the amount of {$10000.00} and that I needed to go to a branch location to verify my identity. This transfer was not made by myself or my wife so I reported to a branch. I was told over the phone that I would have to initiate a transfer for the same amount and then cancel that transfer to keep the amount from being transferred from our account. I reported to the branch located at XXXX XXXX XXXX, XXXX, Maryland. A manager helped me initiate the transfer as instructed. During the interaction, I informed the employee that I was on the phone with bank of America and they had provided an account for me to transfer funds too. I was told that the transfer would be canceled by XXXX the next morning and the funds would remain in our savings account. The next morning the funds showed they had been transferred out. I immediately reported it back to the branch location where I was told they could not put in a fraud report for this claim. I left and went to my local XXXX XXXX precinct to file a police report ( as noted on paperwork ). I then reported to the branch closest to my home located at XXXX XXXX XXXX, XXXX, Maryland. I was helped by a manager to call the fraud line and file my claim. I provided the fraud line worker with the phone number I was called from, the name the representative used, the account # I was told to initiate a transfer to and all other pertinent information. I have called the fraud line to receive updates every 15 days or so to check on progress. Follow up calls on : XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX No other fraudulent charges have appeared in any of our other accounts and all cards and bank information is accounted for. After visiting a branch and seeing if they could help in any way, we were informed that the funds were not recovered from the information given so therefor our claim was denied. We asked for the claim to be reviewed and reopened. We were told it would be reviewed and were told again it was denied for the same reason. Over this period we have not received any communication besides one denial letter. I requested all documents related to my case to be mailed to me directly and nothing has been received as of todays date.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
This issue has been ongoing since XX/XX/year> and involves disputed debit card transactions connected to a canceled XXXX reservation. After the reservation was canceled, I received notifications stating that a refund had been initiated. I also have screenshots and supporting documentation showing cancellation activity and refund-related notices. However, despite this, the disputed charges remained on my account. I filed a dispute with Navy Federal regarding the transactions, but the claim was denied. The bank stated they could not find evidence that the cancellation resulted in a refund. I do not believe the investigation fully reviewed the supporting documentation or properly investigated the cancellation and refund records connected to the merchant. This matter has continued for several months and has caused financial hardship and ongoing account issues. I have repeatedly attempted to resolve this matter directly with the bank but remain dissatisfied with how the dispute and investigation were handled. I am requesting : A full reinvestigation of the disputed transactions Review of the attached cancellation and refund evidence Verification of whether the merchant processed or attempted to process the refund Copies of the documentation and evidence used to deny my claim Reimbursement if the refund was not properly credited to my account I am requesting assistance from the CFPB to ensure this matter is reviewed fairly and handled in accordance with applicable consumer protection laws and dispute investigation requirements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief