vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: PA

Complaint narrative:
My XXXX XXXX account was closed due to fraudulent transactions that were NOT initiated by me. I reported the fraud after unauthorized use of my card. After the account was closed, I was informed that my remaining balance would be returned to me via paper check. A supervisor told me my case would be expedited and that I would receive a check. However, when I called again today, I was given conflicting information and told my funds may be sent to an account that is not linked to me, which contradicts what I was previously told by a supervisor. Since then, I have not received clear or consistent information regarding the status or location of my funds. Customer support has been unable to confirm where my money is or when I will receive it. At this time, I am unable to access my funds, which is causing financial hardship. I am requesting immediate clarification of where my funds are being sent and prompt release of my remaining balance to me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I made a purchase of {$26000.00} through Synchrony Bank under an XXXX month deferred interest promotion. Throughout the entire promotional period I was unable to access my online account due to a login issue and only regained access in XX/XX/XXXX when I requested a new card. The only emails I received from XXXX during this period showed my minimum payment due and directed me to log in to view promotional details. The emails never clearly stated the promotional balance remaining, the expiration date of XX/XX/XXXX, or that deferred interest would be charged if the balance was not paid in full. I also believed that making the required minimum payments each month was sufficient to pay off the promotional balance within the XXXX month period as this was never clearly communicated otherwise. Upon regaining account access in XX/XX/XXXX I discovered deferred interest had already been charged. On XX/XX/XXXX I contacted XXXX via online chat and by phone requesting a waiver but was told nothing could be done. The total deferred interest charged was {$11000.00} and continues to grow monthly as additional interest is being added to my account.

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 monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: DE

Complaint narrative:
They sent an email stating my account would be closed XX/XX/year>. I then called Sofi and was told my account would not be closed and disregard the email. My XXXX check came this morning. So they sent me an email that my account was closed after I received my deposit. I asked if they could keep my account open. They said no and they already put a check in the mail and it will take XXXX days to receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
A Bank of America checking account was opened in my name without my knowledge, authorization, or consent. The account was closed XX/XX/XXXX with a charge off of {$180.00}. The account was associated with a commercial suite address that has never been my residential address. I never applied for, opened, received, or benefited from this account in any way. Bank of America reported this fraudulent account to XXXX as Account Abuse. This XXXX entry directly caused me to be denied bank accounts at XXXX financial institutions in XX/XX/XXXX both pulled my XXXX file and denied me based solely on this fraudulent entry. I have filed an FTC Identity Theft Report identifying this account as fraudulent. I have submitted a Section 605B fraud block demand to XXXX and a direct fraud dispute to Bank of America 's fraud department via certified mail. I am requesting that the CFPB compel Bank of America to immediately retract this fraudulent account from XXXX, reclassify it as identity theft rather than account abuse, and provide written confirmation of all corrective actions taken.

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
Our current property is required to have flood insurance. I completely understand having flood insurance!! However both of these mortgage companies are forcing me to have flood insurance escrowed and they wont allow me to shop it out or even pay them after they purchase so my mortgage payment will stay the same. It started in XXXX when the XXXX company purchased flood insurance at 200 % increase, increasing the premium from XXXX to XXXX. I began to purchase my own insurance and remove escrow account. I purchased my new flood through XXXX in the amount of XXXX. I submitted receipt and policy and was refunded old policy XXXX which I then paid directly to escrow account. XXXX they renewed it and escrowed the flood policy. I let it go because they told me I couldnt remove escrow account. The mortgage Company was bought out by round point and I immediately asked if we could remove the escrow account if i provide needed documentation and policies. It was approved on XXXX XXXX via letter. I bought my flood policy and it was refunded months later and apparently still escrowed. I just renewed policy again in XXXX I paid for it and it was refunded to me yet again and escrowed. When I brought this up again : They told me its out of their hands and told me its required my fema that not only do I have to have flood insurance but that they have to purchase it for me and it has to be escrowed. I asked what happens if it is higher than the average rate and they said they could do nothing else for me. They feel comfortable taking advantage of me and making me feel stupid. I can only imagine how badly they are taking advantage of older more vulnerable individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: DE

Complaint narrative:
I have a credit card issued from Avant that I havent used in over year .. this past Saturday, XXXX XXXX I received a statement from Avant which showed a charge of {$36.00} applied to my card on XXXX XXXX called customer service and rep told me to cancel the card which seemed the logical thing to do .. I received an email verifying the account was closed .. The rep told me he could not see the details from his computer and advised me to call customer service on Monday XXXX XXXX contacted the customer service on Tuesday XX/XX/XXXX and all they did was switch me around XXXX different departments until the last XXXX told me they cant help me since I closed the account on Saturday .. they saw the charge on my account but told me they can not access my closed account .. I was prepared to put a freeze on my account that Saturday but the customer service rep said closing the account would be betterUpon my request to research this charge and remove it they said it can not be done I am very careful about maintaining a good XXXX score and I am concerned this will negatively impact my score.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint against Resurgent Capital Services regarding an alleged debt they claim to be collecting on behalf of LVNV Funding LLC. I submitted a formal dispute and request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), requesting a signed agreement, complete account history, and full chain of title. In response, the company provided only an internally generated account summary and limited billing information. Their own document states the summary is not from the original creditor. The company failed to provide : A signed agreement or contract A complete chain of title Proof of legal authority to collect Complete account-level documentation from the original creditor Despite this, they continue to treat the account as valid. Providing self-generated summaries and partial records does not constitute proper validation. I request that the company cease collection, delete any credit reporting, and provide written confirmation that the account will not be pursued unless proper validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I was part of a promotion with XXXX interest. I did not make the cutoff date and was immediately charged {$1400.00} on a {$2200.00} balance. No notice was given or I certainly would have made a request and arrangements to finalize.

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint regarding two fraud claims with Bank of America ( Claim # XXXX and Claim # XXXX ) that were denied despite clear evidence of identity theft, stolen card use, and unauthorized transactions. On XX/XX/year>, I received a phone call from individuals impersonatin g Bank of Americas fraud department. They informed me that suspicious activity had occurred on my account, including a charge of {$48.00}. I checked my account and confirmed that this charge was in fact pending/posted, which caused me to reasonably believe I was speaking with legitimate bank representatives. While I remained on the call, I was subjected to a real-time social engineering scam. During the call, I received a fraud alert text message from the bank and was pressured into responding YES under false pretenses, without understanding that I was approving fraudulent activity. Following this deception, multiple unauthorized transactions occurred on my account, including an XXXX XXXX charge of {$11000.00}, a XXXX charge of {$160.00}, ATM withdrawals totaling {$1600.00}, a {$5.00} fee related to one of the fraudulent transactions, and the initial {$48.00} unauthorized charge. My physical debit card was also stolen and later recovered by law enforcement in the possession of the suspect. I reported the fraud to Bank of America within approximately two hours of the first unauthorized activity. Bank of America split the matter into two separate claims and denied both, stating the transactions were authorized. I requested documentation supporting these decisions. The bank only provided partial documentation for one of the two claims despite multiple requests. I appealed both denials and submitted additional evidence, including confirmation from law enforcement that my card was used by the suspect and that surveillance footage exists from ATM and XXXX XXXX locations. Despite this, both appeals were denied again without meaningful consideration of the evidence. The suspect has since been arrested, and my debit card was recovered in his possession. I have an official police report confirming the arrest and investigation. Police Information : XXXX XXXX XXXX Case # XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX There is also a public news report describing the criminal scheme and arrests connected to this case. I am attaching supporting documentation, including the police report, bank denial letters, transaction screenshots, identity theft report, evidence of the scam call, and a public news article regarding the suspects arrest and the criminal scheme connected to this case. I am requesting full reimbursement of all unauthorized transactions under Regulation E.

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 monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: UT

Complaint narrative:
On XX/XX/year> I tried two separate times to get a Nelnet rep to give me my loan forgiveness payment count. Both times, I was refused, they would not give me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I contacted MCM ( Midland Credit Management ) via their online portal to discuss the collections on my credit. I asked if they could verify the information which they refused, as I have no idea when they received these debts in question. In addition, there are two debts that I believe were opened falsely but they stated they did not care and I would have to pay them regardless. I stated no, that I am disputing them and they informed me that is not an option. I then tried to make a settlement offer to settle the validated ones but they refused my payment. I stated moving forward all communication must be done in writing. Today, I received a call from XXXX stating they needed to settle these debts again. I explained to them that I have already tried once and you are not to contact me via phone. At this point, the harassment and judgment against me are null and void as they have failed to provide proof they own said debts and the fact that they are not allowing me to dispute anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a written dispute via email to XXXX disputing a debt of {$2400.00} allegedly owed to XXXX XXXX, placed with Columbia Debt Recovery LLC DBA Genesis. I disputed the validity of the debt on the grounds that the tenancy was terminated by the landlord via a 7-day notice to vacate not by me and that the termination was related to a service animal protected under the Fair Housing Act. I requested full itemization and verification of the charges, evidence of damage mitigation, and documentation confirming the eviction was not retaliatory or discriminatory. More than 30 days elapsed with no response of any kind from Columbia Debt Recovery LLC DBA Genesis. Despite failing to validate the debt as required under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act, the company has reported this collection to the credit bureaus, where it is currently appearing on my credit report. The reported amount is {$2400.00}, with an additional {$180.00} in interest, for a total of {$2600.00}. The company 's failure to respond to a timely validation request while continuing to report the debt to credit bureaus constitutes a violation of the FDCPA. I am requesting that the CFPB investigate this matter and direct the company to validate or remove the debt from my credit report. In the email documents attached, they clearly state that they did not know we were moving out - less than a week after they gave us a 7-day notice to vacate which we complied with. Clear evidene that there were administrative leaks at the time and their reason for forcing us to vacate was not well thought out or documented properly. The bulk of their charges are in rental termination/notice fees, collections fees, late fees ( on a rent not due as we'd already vacated in compliance ), and erroneous charges as anything happening in XXXX is past my time there as per their demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Westlake Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Account No. XXXX Cease and Desist Communication ( FDCPA 15 U.S.C. 1692c ( c ) ) To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the above-referenced account, pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). You are hereby instructed to stop contacting me by phone, mail, email, or any other means, effective immediately. Any further communication from your organization, except as permitted by law, will be considered a violation of the FDCPA. Please note that I am keeping detailed records of all communications. Any violations of this request may result in complaints filed with appropriate regulatory agencies and potential legal action. This letter is not an acknowledgment of any debt, nor does it constitute acceptance of liability. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo sold my loan to XXXX last year, not letting me know that I had to refile homestead on my new account causing me to have to pay full taxes. Because of this i had to put my home in forbearance as I couldn't afford XXXX extra dollars on my monthly payment. Im still in a bind trying to bring my account current. I. On XXXX and feel wronged. The people at Wells Fargo said pretty much oh well. Nice huh. After being with them since 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 2026-04-28 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am disputing XXXX transactions processed from my bank account using remotely created checks by a moving broker ( XXXX XXXX XXXX / XXXX XXXX and XXXX XXXX XXXX ). On XX/XX/year>, a check for {$1700.00} was created and processed from my account. On XX/XX/year>, a second check for {$1000.00} was processed. Both checks state no signature required, and I did not physically write or sign these checks. These transactions were authorized based on a moving estimate that was materially inaccurate. Prior to booking, I provided an accurate description of my move, including a two-bedroom condo and a XXXX storage unit, with XXXX section filled floor-to-ceiling and another approximately two-thirds full. Despite this, the company initially estimated the move at XXXX cubic feet and later revised it to XXXX cubic feet after I submitted an expanded inventory. This estimate did not reasonably reflect the scope of the move. At the time of pickup, the assigned carrier assessed the shipment at approximately XXXX cubic feet and informed me that the total cost would exceed {$11000.00}. Due to this significant discrepancy, I declined the service. I contacted the company by email shortly thereafter to request a refund and an explanation for the inaccurate estimate. The company responded by denying the refund and relying solely on a non-refundable deposit policy without addressing the accuracy of the estimate. In a follow-up email, they again denied the refund, and XXXX response was blank. On XX/XX/year>, I contacted my bank to dispute these transactions. I explained that these were remotely created checks tied to a misrepresented service and that I did not sign or create these checks. The bank stated that they are unable to dispute checks and declined to investigate the transactions due to that inability. As a result, I have been unable to dispute the authorization of these transactions through my bank, despite the checks being created without my signature and tied to a materially inaccurate and disputed service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I am filing a complaint against Affirm for facilitating fraudulent transactions and failing to protect consumers. On XX/XX/XXXX, I financed a {$170.00} transaction through Affirm for an online merchant called 'My Passport Center, ' believing it was the official U.S. government passport renewal portal. This merchant operates a deceptive look-alike website. Furthermore, the merchant completely failed to deliver any product or service they did not submit a passport application, nor did they even provide the digital PDF forms they claim to sell in their terms of service. I received absolutely nothing. I have already paid {$45.00} toward this Affirm loan and the remaining balance is currently in dispute. I am filing this complaint because Affirm continues to partner with and process payments for this known predatory scam. I am requesting an immediate cancellation of the remaining loan balance and a full refund of the {$45.00} paid, as goods and services were never rendered

Company response to consumer: Closed with explanation