vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: American Credit Acceptance, LLC
State: IN

Complaint narrative:
On XX/XX/XXXX, I called in to discuss the balance of my car loan because the loan had matured, but I still owed money. The rep, XXXX, told me to continue making my monthly payments, he would note my account, and I would receive a modificaiton agreement. I never received a modification agreement, but continued to pay on my account monthly as agreed. I called in XX/XX/XXXX, to ask about the balance and the rep told me that my account had been charged off and I would be subject to repossesion. I asked to make payment arrangements until the balance was paid in full, but they refused stating that since it was charged off, I couldn't make arrangements. I called in XX/XX/XXXX and talked to XXXX and XXXX and they both told me that a modification was emailed to me in early XXXX but they couldn't find the actual sent document or date that it was sent. I never received the modificaiton agreement and now I am at risk of having my car repossessed even though I am making monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: TX

Complaint narrative:
A checking account was opened fraudulently in my name without my knowledge or authorization through Chime ( via XXXX Bank and/or XXXX Bank ) . I did not apply for or open this account and have never used this institution. I became aware of this fraud after seeing the account appear on my credit report along with other unauthorized activity. I have filed an identity theft report with the Federal Trade Commission and submitted police reports with my local law enforcement agencies. This fraud is part of an ongoing identity theft case ( XXXX XXXX Case XXXX XXXX and related reports in XXXX and XXXX Counties as well as XXXX XXXX ) . I have notified Chime of this fraudulent account and requested that it be closed and reported as identity theft ; however, the account remains on my credit report. I am requesting that this account be immediately closed, marked as fraudulent, and that all related information be removed from my credit reports with XXXX XXXX and XXXX. I also request written confirmation that this has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Nala Payments LLC
State: MD

Complaint narrative:
On XX/XX/year>, I initiated an international transfer through the XXXX app in the amount of {$1800.00}. At the time, I later realized that the account number entered was incorrect. However, I have now obtained new evidence from XXXX XXXX XXXX confirming that the account number used for the transfer is INVALID and does not exist in their system. They also confirmed that the funds were never received by their bank. This means the transfer was not successfully completed and no valid recipient account exists. In 2024, I previously filed a complaint, and the decision was made in favor of the company based on the assumption that the funds had been successfully delivered. However, this new information clearly shows that the funds were not delivered to any account. Since the receiving bank has confirmed that the account does not exist and no funds were received, this is a failed or incomplete transaction. Despite providing this new evidence, I have not received a clear explanation from XXXX or their banking partner, XXXX XXXX XXXX XXXX, regarding the current location of the funds or a timeline for a refund. I am requesting : - Confirmation of where the funds are currently held - XXXX reversal of the failed transaction - A clear timeline for receiving my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NC

Complaint narrative:
Placed an order in XXXX of XXXX for a custom outfit from a merchant on XXXX in the amount of {$150.00} for which I used XXXX XXXX to send payment via Chime. Reached out to merchant several times between XXXX of XXXX through XXXX of XXXX in regards to tracking information and a refund and received no response. Submitted a dispute claim for good and services not received with Chime on XX/XX/XXXX and provided documentation of our conversations- or lack thereof since the merchant totally stopped responding. Called Chime several times in XXXX regarding in update and spoke to XXXX supervisors. XXXX supervisor claimed, that if they were not able to get in contact with the merchant the funds would be credited to my account around XXXX. I received an email today that my dispute was denied and that no error occurred. I am not sure how as I disputed the reasoning was for merchandise not received, and that is exactly what happened. Not only was I lied to about funds being received from a Chime representative, but a person has essentially taken my money with no consequences. I feel that as a customer with Chime for XXXX years I should have a right to my funds being protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Under FDCPA there are several violations that has been made by Rocket Mortgage / XXXX XXXX The following violations are : Details of the Violation ( s ) : False or Misleading Representation - 15 USC 1692e. The debt collector failed to provide proper validation before continuing collection activities. Unfair Practices 15 USC 1692f The debt collector engaged in unfair practices, such as attempting to collect fees or charges not expressly authorized by the original agreement or permitted by law. Communication with Third Parties 1692c ( b ) If applicable, The debt collector improperly disclosed details of the alleged debt to third parties without consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
Verbally abusive agent XXXX would not explain to me in depth the debt and wouldnt let me say my email without cutting me off and was extremely short with me, almost like I was burdening her. Hung up on the first call and said she would mark me as refusal to pay even though I only asked for proof of debt. Did not send proof of debt email. Hung up on me multiple times after calling back to get more information. I believe this to be a scam attempt. Structured Settlement is the company name.

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: Rocket Mortgage, LLC
State: MD

Complaint narrative:
Summary of the Issue : Rocket Mortgage is refusing to accept my regular monthly mortgage payments and is demanding a {$23000.00} lumpsum reinstatement as a condition to review me for any repayment plan or FHA lossmitigation option. This is a direct violation of FHA servicing rules and RESPA. XXXX is also misrepresenting my ability to pay to HUD, which is preventing me from accessing required FHA retention options. Details : I attempted to make XXXX regular monthly payments to bring my loan into compliance with FHAs fourpayment requirement for loss mitigation eligibility. Rocket Mortgage refused both payments and stated that they will only accept a {$23000.00} lumpsum reinstatement. This is not permitted under FHA policy. XXXX then informed HUD that I can not make XXXX payments, even though I attempted to make them and XXXX refused to accept them. This is a false statement to a federal agency. XXXX refusal to accept payments is preventing me from meeting XXXX seasoning requirements and is blocking access to FHA retention options, including the Standalone Partial Claim, Payment Deferral, and Repayment Plan. FHA guidelines do not require a XXXX seasoning period, and XXXX is enforcing an internal overlay as if it were federal policy. Rocket is also conditioning lossmitigation review on reinstatement, which is prohibited. FHA requires servicers to accept payments, apply them to suspense if necessary, and evaluate borrowers for all available options without requiring a lumpsum payment. Violations : Refusal to accept contractual payments Conditioning loss mitigation on reinstatement Misrepresentation to HUD regarding borrower ability to pay Blocking FHA seasoning by refusing payments Applying XXXX overlays not supported by HUD XXXX Failure to evaluate for required FHA retention options Dualtracking behavior during an active review Harm to borrower through inaccurate reporting and obstruction of options

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Block, Inc.
State: IL

Complaint narrative:
Issue : Unauthorized transaction / Fraud / Failure to provide provisional credit Complaint : On XX/XX/year>, an unauthorized party gained access to my Cash App account and used it to purchase XXXX totaling {$2600.00}. I did not authorize this transaction. I reported the unauthorized activity to Cash App the same day ( XX/XX/year> ) and opened a fraud investigation. I was informed that I would receive a response within XXXX business days. They provided a case # XXXX. As of today, more than XXXX business days have passed. Cash App has failed to : Provide any meaningful update on the status of the investigation Issue a provisional credit for the disputed amount Provide a timeline for resolution I have contacted Cash App multiple times and have only been told that the matter is still under investigation, with no additional details or action taken. Under Regulation XXXX governing electronic fund transfers, I reported this unauthorized transaction promptly and am entitled to a timely investigation and provisional credit while the investigation is ongoing. Cash Apps failure to provide provisional credit or complete the investigation within the required timeframe appears to be a violation of these requirements. This transaction was the result of unauthorized access to my account, not an authorized purchase. The fact that the funds were used to purchase XXXX does not change the unauthorized nature of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I am reporting professional negligence by Wells Fargo and XXXX regarding a systematic fraud totaling {$57000.00}. Between XX/XX/XXXX and XX/XX/year>, a customer used multiple different credit cards to perform several high-value transactions. The bank authorized these suspicious payments and settled the funds into my account. Because the bank made the funds 'Available ' after a 48-hour settlement period, I was induced to believe the payments were legitimate and proceeded to ship the merchandise via XXXX ( Tracking # XXXX and # XXXX ). The bank failed to flag this obvious fraud pattern ( multiple cards used by one customer ) during the authorization window. Now, the bank is holding me liable and withdrawing my funds, even though the loss is a direct result of their failure in fraud detection and risk management. I have provided full identity of the customer and proof of delivery. A police report has been filed ( Case # XXXX, XXXX, CT )

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This debt collector has not provided me proper debt validation for this allege debt. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. XXXX ( a ), you must complete this reinvestigation within XXXX days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal Case ID : XXXX and XXXX I am formally appealing the decision to close these cases in the sellers favor. The transactions in question were unauthorized and fraudulent, and the conclusion that I received the item or service is incorrect. Summary of Fraudulent Activity XX/XX/XXXX : {$940.00} was transferred from my bank account into my PayPal account without my authorization. XX/XX/XXXX I have never previously transferred funds from my bank to PayPal, making this activity highly irregular and indicative of account compromise. XX/XX/XXXX I had recently updated my password prior to this incident. Shortly thereafter, {$400.00} in PayPal XX/XX/XXXXl Gifts purchases were made fraudulently and later refunded. At this point, PayPal had clear notice that my account had been compromised. Failure to Prevent Additional Fraud Despite : My multiple phone calls My explicit request to restrict or secure the account My reporting of confirmed fraudulent activity Additional unauthorized transactions occurred on XX/XX/XXXX, including : {$200.00} XXXX XXXX XXXX XXXX. {$230.00} XXXX XXXX ( refunded ) While XXXX transaction was refunded, the {$200.00} charge remains, despite being part of the same clearly fraudulent pattern. Key Issue with Case Decision The case was closed with the statement that : You received the item or service. This is factually incorrect. I did not authorize these purchases I did not receive any goods or services There is no valid evidence of delivery to me These were digital gift card transactions, which are commonly associated with fraud Basis for Appeal This case should be reconsidered based on : XXXX. Documented pattern of fraud on my account XXXX. Prior refunds for similar unauthorized transactions XXXX. Failure to secure my account after notification XXXX. Lack of evidence that I received any goods or services XXXX. Nature of the merchant ( XXXX gift cards ), which is high-risk for fraud Requested Resolution I am requesting : A full refund of the {$200.00} unauthorized charge Reimbursement of any associated fees resulting from fraudulent activity I acted promptly, reported the fraud, and requested account protections. The subsequent transactions occurred after PayPal was aware of the compromise. Under these circumstances, holding me responsible for these charges is not appropriate. I ask that this case be reviewed again with full consideration of the documented fraud and account security concerns. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I am filing a complaint regarding improper mortgage servicing, including misapplication of payments and escrow handling errors. My mortgage loan is at the final payoff stage. The remaining balance was {$3.00}, which I paid in full. That payment cleared my bank account and was received by the servicer. I then submitted an additional {$0.00} payment to ensure the balance was fully satisfied. Both payments have cleared my bank account and have been received by the servicer. Despite receiving sufficient funds to satisfy the loan, the servicer continues to : Misapply payments Redirect funds to escrow without my authorization Maintain a {$0.00} balance Prevent the loan from being closed The remaining balance exists solely due to how the servicer has applied the payments, not because of an actual unpaid principal balance. Additionally, the escrow shortage referenced by the servicer appears to stem from improper disbursement of escrow funds. Specifically, escrow funds were used to pay homeowners insurance, while the escrow account was established for flood insurance. This raises concern that the escrow shortage was created by the servicers own handling of the account rather than a standard escrow deficiency. This is not the first time I have experienced issues with escrow handling on this account. Similar discrepancies occurred previously, which raises concern regarding the consistency and accuracy of servicing practices. Please see the screenshots of the discrepancies of insurance that they have made on several occasions that is NOT part of my mortgage escrow! I have made multiple attempts to resolve this directly with the servicer, including providing documentation and requesting correction. However, the issue remains unresolved. I am requesting that the servicer : Correct the application of my payments Apply all received funds appropriately Mark the loan as paid in full Provide confirmation of lien release Provide a full accounting of escrow activity, including all disbursements

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I notified multiple times via email that I am unable to communicate effectively by phone due to a documented jaw fracture resulting from a XXXX XXXX XXXX This condition limits my ability to speak and constitutes a medical communication barrier. As a result, I am requested a reasonable accommodation under disability-related communication needs. All communication regarding my account must be conducted in writing ( email or secure message ). I have made multiple attempts to resolve this matter in good faith, including submitting hardship documentation and contacting the bank through available channels. However, I have not received a written response. My account has now been placed in repossession status despite : documented medical hardship XXXX XXXX status ongoing attempts to resolve the account i let then know that inability to communicate by phone is medically documented. Failure to provide an accessible communication method and written response will be formally documented and never got a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This debt collector has not provided me proper debt validation for this allege debt. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. XXXX ( a ), you must complete this reinvestigation within XX/XX/XXXX days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB
State: FL

Complaint narrative:
Klarna 's difficulty in reaching a live representative is notable. I accessed the app to research SCRA, and, unfortunately, it indicates that it is not a benefit. I find this difficult to believe, as every other company maintains a dedicated department for service members and their spouses. Is there any possible action that can be taken? This is a major corporation, yet their practices seem to be quite misleading.

Company response to consumer: Closed with explanation