vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: FL

Complaint narrative:
I contacted flagship credit in regards to a voluntary repossession on XX/XX/XXXX. I provided the address of the location of the vehicle and told them that the keys were in the console. I was advised that someone would be by to pick it up. I made several other attempts for them to pick it up once again on XX/XX/XXXX, XX/XX/XXXX and finally on XX/XX/XXXX. When I contacted them on XX/XX/XXXX I advised I would not be calling again that I contacted them while my payment was current and they needed to do their part. Every time I contacted them I was advised it was processing and someone would be coming by to pick it up. As of today XX/XX/XXXX this vehicle is still be stored at my address. I was contacted multiple times to sign a form which states that I was unable to make the payment and had defaulted, which was incorrect. I will not sign something that is incorrect. The dealership sold me a vehicle with a blown head gasket they fixed it knowing it would blow again so I requested a pickup when it happened. I made every payment on time for the duration of this loan up until they refused a voluntary repossession.

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 2026-03-31 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a long-term customer of Wells Fargo XXXX I am currently in possession of a Certificate of Deposit ( CD ) that has reached maturity. On or around XX/XX/year>, I contacted Wells Fargo to redeem the funds from this account. On XX/XX/year>, I received a formal written response from Wells Fargo ( XXXX # XXXX ) stating that they were unable to fulfill my request because they could not locate records of the account. The bank claimed that they had " lawfully destroyed '' the records in accordance with their internal retention policies. I am disputing this resolution for the following reasons : Unsatisfied Debt : A Certificate of Deposit is a contract and a debt owed by the bank to the depositor. The banks inability to find a record does not prove the debt was paid. Failure to Provide Proof of Disposition : The bank has provided no evidence of when the account was closed, the method of payment used to return the funds to me, or any check numbers associated with a payout. Failure to Escheat : Under Californias Unclaimed Property Law, if an account is inactive for the statutory period, the bank is legally required to transfer those funds to the State of California. I have performed a search of the California State Controllers database, and no such funds have been reported or transferred by Wells Fargo. Since the bank can neither prove they paid me nor prove they turned the money over to the state, they are in possession of my property without a legal basis. I am requesting that the bank perform a legacy search of microfilm or archived records to provide a specific " Disposition of Funds '' or immediately reissue the balance of the CD plus accrued interest.

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 2026-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
An account connected to XXXX was opened in my name without my knowledge or authorization on or about XX/XX/2021. The account was tied to an old address where I had not lived for well over a year, and I did not apply for it, use it, or benefit from it. I did not receive the notices, correspondence, or legal papers related to this account because they were sent to that prior address instead of my actual residence. I later discovered the account only after learning that wage garnishment had been pursued against me. After investigating, I reported the matter as identity theft to the XXXX XXXX Police Department. I also challenged the debt in court. The creditor, LVNV Funding LLC, failed to provide the documentation needed to prove that I opened or used the account, and the case was dismissed in XXXX XXXX XXXX XXXX. Despite that, the account and related negative information remain a problem, which is why I am filing this complaint and asking that all related credit reporting be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Subject : Request for Investigation and Removal of Debt from Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of a debt that has been reported in my name regarding an account originally associated with Affirm , Inc. and referenced by your company. According to the information provided, this account reflects a balance of {$430.00} as of XX/XX/year>, related to a purchase through XXXX XXXX XXXX. At this time, I am requesting a full investigation into the accuracy and validity of this debt. I do not recall authorizing or having full knowledge of this account in the manner it has been reported. Additionally, I have not received sufficient documentation verifying that this debt is valid, accurate, and legally collectible. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Provide complete verification of this debt, including original account documentation Confirm that your company has the legal authority to collect on this account Verify that all reported information is accurate and complete If you are unable to provide proper validation of this debt, I respectfully request that this account be removed from all credit reporting agencies immediately. Additionally, if any information reported is found to be inaccurate, incomplete, or unverifiable, I request its prompt deletion in accordance with federal law. Please note that this letter is not an acknowledgment of responsibility for the debt, but rather a request for validation and investigation. I appreciate your prompt attention to this matter and expect a response within the timeframe required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: PA

Complaint narrative:
Im in between jobs and literally broke and literally havent eaten in days. I got someone to cashapp me 50 bucks I needed it in my card so I transferred it to my XXXX card to use it for groceries. I went and it was declined and I had to put everything back and waste the last bit of gas I had. Because XXXX took out the money from my card to pay the advance without my consent or without me knowing. I had another bank account that I was using to pay their advances and was going to pay it as soon as I was paid. If I had the money already I wouldve paid it but I dont so they took my only grocery money and refuse to pay me back. The person I talked to twice on chat I believe their name was XXXX was extremely rude and unhelpful. I called asking for a supervisor they said they would take my info and call me back and never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
Dear CFPB Representative, I am writing to file a complaint regarding my mortgage servicers refusal to remove the XXXX account from my mortgage, even though I believe I meet the requirements based on the lenders published policy. I currently have a conventional mortgage loan that has been active for more than 12 months, and I have never missed or made a late payment. Recently, I requested the removal of both XXXX and the XXXX account from my mortgage. As part of this process, the lender required me to pay a fee for a XXXX XXXX XXXX ( XXXX ) appraisal. The report confirmed that my homes current market value is {$500000.00}. My current mortgage balance is {$370000.00}, which means my current loan-to-value ratio is approximately 75.2 %, and I have more than 20 % equity in the property. After reviewing the XXXX, the lender sent me a written confirmation approving the removal of PMI. However, they refused to remove the XXXX account. Their explanation was that they only calculate equity based on the original purchase price of the property rather than the current appraised market value. I reviewed the XXXX removal requirements published on the PennyMac website, and based on my understanding, I believe I meet the conditions to have the XXXX account removed. It does not seem reasonable or consistent for the lender to accept the updated property value for PMI removal while refusing to use that same valuation for XXXX removal. I respectfully request CFPBs assistance in reviewing whether the lender is properly applying its own XXXX removal guidelines and whether this denial is consistent with applicable servicing rules and consumer protections. Please let me know if you need any supporting documents. I can provide the following : Mortgage statements Payment history Broker Price Opinion ( XXXX ) report XXXX removal approval letter Thank you for your time and assistance in this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I got a notification from the bank app that my account has been restricted due to unusual activity. I reached out to the bank and talked to 2 different people on the security team and they told me that my account has been closed and finalized. When I asked why, they said they could not tell me and when I asked to speak to a supervisor, they assured me someone would call. No one has called me back and I've already called 2 different times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
ftc report was mailed in proving the account was an identity theft issue

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: OK

Complaint narrative:
On XX/XX/2026, I was getting ready for work around XXXX I noticed a transaction on my phone that said XXXX from an XXXX XXXX XXXX I immediately went online to my banking account to close my card, then I seen 3 more transactions 1 from XXXX XXXX XXXX and 2 transactions was at XXXX for XXXX, and XXXX. I also called NetSpend XXXX account customer service and reported the transactions the same day. They told me they had until XX/XX/XXXX, to investigate. I also made a police report as well. On XX/XX/XXXX, I received an email from NetSpend denying my provisional credit due to a pin being used. I asked to speak to a supervisor just to be transferred and put in hold for 10 min for the phone to keep hanging up, it happened 3 times. I tried calling the next day and still couldnt reach anyone. Ive been with this company for 8 years and Ive never felt so dissatisfied. They made me feel as I gave someone my pin when thats absolutely not the case. I just want my money back that I feel wasnt protected.

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am requesting a full refund of the amount charged to my Chase checking account for the returned merchandise. The item was shipped to me by XXXX, and I returned it the same day it was received. Tracking confirms the return was delivered to the merchant on XX/XX/XXXX. Despite this, I did not receive a refund. After 27 days, instead of issuing my refund, the merchant sent out another item without my authorization and to an incorrect address. I have made multiple attempts to resolve this issue with the merchant and XXXX, but they have failed to provide a refund. I have proof of return, delivery confirmation, and my communication attempts. I expect a full refund to be issued to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
I had a loan with the initial due date as XXXX. Due to me losing my job I was not able to make the payment. The loan was passed due for the XXXX payment. I was able to make a payment on XX/XX/XXXX. Due to the loan being in past due status it would not let me pick a payment to make, I was only given the option to just make a payment with my debit card. Once I made the payment the account updated showing I still hadn't made the XXXX payment, which is weird because usually when you are behind on an account the payment goes towards the past due balance, not a future payment. I contacted support and advised the rep that I need that payment to be applied to the past due balance which would stop the account from going into collections. I was told they could not refund the payment so that it can be applied to the payment that is 20 days past due. Instead he insisted that I make another payment by XX/XX/XXXX, which is a duplicate payment. I advised the rep that if I had the {$300.00} to pay I wouldn't be behind on the account. I can only afford to make 1 payment this week. I feel like this company is lying when they say they can not refund me my payment because I have an email from another rep saying if I disputed the charge it would cause an issue with my payment history. I'm not sure who to believe. I just want this company to refund my money once the dispute is processed and I will remake the payment to go towards the past due balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Since XX/XX/XXXX I have requested from my loan servicer XXXX XXXX whose address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX that XXXX be removed from my mortgage payments. My original loan was in the amout of {$230000.00}. In XXXX I reached the 80 % XXXX at {$190.00}, XXXX. I requested in writing that the XXXX be removed from my monthly mortgage payments. To date they have not removed the XXXX. I call XXXX XXXXg at least 3 times a year to follow up and am told that they will look into it to see if it can be removed and I would need to pay for a full appraisal. the property is worth more than what I originally paid for it in XXXX. XXXX XXXX has refused to remove the XXXX and has refulsed to refund the monies paid since XXXX when I originally contacted them about removing XXXX> I am requesting your assistance in having PMI removed and getting a refund of the XXXX amount paid since XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I need a payment plan to relieve my monthly payment temporarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Block, Inc.
State: CA

Complaint narrative:
My family and my Cashapps were deactivated. I called and submitted an appeal. I also was inquiring of the reason for deactivating my accounts and they could not provide me any information. I had my Cashapp accounts for years and never had an issue until I purchased a new phone and logged into my account, that's when these issues started arising.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
THIS COMPANY IS REMOVING AND REPLACING THE DEBT COLLECTION. FALSIFYING THE DATE OF THIS DEBT. THIS DEBT WAS REPORTED AS IDENTITY THEFT AS I PREVIOUSLY REPORTED TO THE ORIGINAL ACCOUNT HOLDER. THIS COLLECTION COMPANY NEEDS TO BE HELD ACCOUNTABLE FOR THEIR ACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I am experiencing a sudden and significant escrow shortage on my mortgage serviced by Rocket Mortgage. The standard 12-month repayment spread will cause an undue financial hardship due to a severe spike in my monthly payment. I contacted Rocket Mortgage 's servicing department on two separate occasions recently to request a standard hardship accommodation : spreading the escrow shortage over 24 months. On both calls, the frontline representatives promised a callback from a specialist authorized to process this request. Rocket Mortgage failed to return either call and has completely ignored my hardship request, leaving me facing a pending, unmanageable payment spike. They are failing to properly evaluate a borrower for hardship options and failing to execute basic servicing communications regarding account management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Trott Law, P.C.
State: MI

Complaint narrative:
The property at XXXX XXXX XXXX had a reverise mortgage on it i have documents.stating.the reverise mortgage was paid off in a XXXX XXXX proceedings an document.from the mortgage company that the reverse mortgage was paid off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX an XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX foreclose on the property resulting in eviction an seized of property an sold the property to XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One claims without a doubt that I owe {$1300.00} dollars to XXXX XXXX from XX/XX/year> unauthorized transaction because I did not report my card stolen at the time and have since made other purchases with said card. I asked for proof or details of this transaction and Capital One keeps telling me to contact XXXX XXXX which is effectively no longer in business in XXXX XXXX XXXX all their brick and mortar locations are closed and their corporate warehouse here in XXXX XXXX XXXX has been vacated, all their phone lines and e-mails are unresponsive for the past month of attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
Chime Bank, with which I have an account online, gave {$400.00} of my money to a merchant called XXXX That sent me a add saying I could get 6 free products so i begin to choose the products but then noticed it was a deception and on XX/XX/XXXX which was a Sunday I cancelled the orders and have screenshot I cancelled it and also have a screenshot when I asked XXXX about in chat they said they had no orders from me. I disputed the charges with Chime and sent them all this legal evidence and three times without notice they claimed a investigator with chime denied my claim so i disputed it again. I am 100 % XXXX and the money I had in chime was my social security money and chime just gave it to XXXX with no proof whatsoever.

Company response to consumer: Closed with explanation