vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
Although OneMain Financial initially provided a deferment option, it did not resolve my situation. I contacted the company again to ask if there were any options to lower my monthly payment due to my ongoing financial hardship. During that call, I spoke with a representative named XXXX, who responded dismissively and stated, thats not what you signed for, instead of taking the time to understand my situation or explore possible solutions. I felt unheard and unsupported, especially given that I was actively trying to stay current on my loan and avoid falling behind. I was seeking guidance and flexibility during a difficult time, but the lack of professionalism and unwillingness to assist made the situation more stressful rather than helpful. XXXX is rude as XXXX she can go to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
URGENT UPDATE Notice of Default Recorded on XX/XX/XXXX During Active Loan assistance Review/ Inaccurate Borrower Information I am submitting this update to my existing complaint regarding my mortgage servicer. FORECLOSURE ACTION TAKEN DURING ACTIVE REVIEW Issue Summary My mortgage servicer, Select Portfolio Servicing ( SPS ), has engaged in improper servicing practices, dual tracking, and privacy violations. They recorded a Notice of Default without ever issuing a written decision on my loss mitigation application. Key Facts Loss mitigation application submitted around XX/XX/XXXX No written approval or denial ever provided Duplicate Notice of Error letters sent to me XXXX times per month Repeated requests for documents already submitted Select Portfolio Servicing flagged my account as bank adjustment Deed in Lieu Bank Liquidation on XX/XX/XXXX without ever issuing a written decision or authorization. NOD recorded on XX/XX/XXXX while review was still pending Attorney sent a debt collection letter on XX/XX/XXXX containing mixed borrower information ( my info + another persons loan number, name, and address ) I disputed in writing ; no response from attorney Same law firm later filed the NOD on XX/XX/XXXX This raises concerns about accuracy, privacy, and wrongful foreclosure XX/XX/XXXX spoke with a rep and I have made it clear to SPS on multiple occasions that I am committed to resolving this matter and keeping my home, and that I am prepared to contribute funds toward reinstatement or participate in a resolution plan. Despite this, my efforts have not been properly acknowledged or incorporated into their review. The financial setbacks I experienced were unexpected and temporary, and I am now in a stronger position to resume regular payments. and to formally request assistance in bringing my mortgage account back into good standing I respectfully request consideration for a deferred payment arrangement. If acceptable, I am willing to make a partial payment toward the outstanding balance, with the remaining portion deferred, while keeping all current loan terms unchanged. This would allow me to stabilize fully and continue making timely payments moving forward. Violations Regulation XXXX XXXX XXXX XXXXXXXX XXXX ) dual tracking Regulation XXXX XXXX XXXX XXXX XXXX ) failure to correct servicing errors FDCPA failure to validate debt, false representations GLBA improper disclosure of another borrowers private information California Homeowner Bill of Rights improper foreclosure activity Requested Resolution Rescind the Notice of Default Conduct a proper loss mitigation review Provide a written decision Correct servicing errors Provide full servicing file Investigate attorney misconduct Ensure compliance with XXXX and XXXX law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by Freedom Mortgage. A XXXX late payment has been reported on my mortgage account despite being explicitly advised by the company that this delinquency would not be reported to the credit bureaus. During the period in question, I communicated with Freedom Mortgage regarding my account status. At that time, I was clearly informed that the delinquency would not be reported. I relied on this representation in good faith while managing my financial situation. However, I later discovered that Freedom Mortgage reported a XXXX late payment, which directly contradicts what I was told. This reporting is inaccurate and misleading, and it has negatively impacted my credit profile. This situation raises serious concerns under the Fair Credit Reporting Act, which requires furnishers to report accurate information and to correct inaccuracies once notified. This constitutes inaccurate reporting and failure to honor representations made to a consumer.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
It has been several transactions that have been unauthorized they allow to go through on my account. I have done several claims, disputes and stop payment and the transaction still manage to go through and puts me in overdraft, which I do not have. Once I have an incoming deposit, they do not refund the unauthorized transactions back to my account and its constantly happening. Ive spoken with the claims department to be rudely told that the claim would not be processed until XXXX business days but during that time they have already charged with with XXXX overdraft fees.

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 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The company ability Recovery Services has been repeatedly reporting the same debt multiple times to all XXXX credit bureaus XXXX XXXX XXXX XXXX All XXXX credit bureaus are not removing the duplicates and are allowing the company to report XXXX bill multiple times. Each one has the same bill repeated XXXX times and I can not get a hold of a human to get this properly corrected

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 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
" Chime and its partner bank, XXXX XXXX XXXX, have failed to credit a {$500.00} ACH transfer. I have provided a Federal XXXX XXXX ID ( [ ID Number ] ) multiple times. Chime representatives refuse to initiate a manual search of the XXXX XXXX logs, repeatedly stating 'nothing is pending ' despite the Trace ID proving the funds reached their system. This is a violation of my rights under Regulation XXXX to a timely error investigation. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
When logging into my Synchrony account, I receive a dialog box to " Please confirm your identity to continue ''. It asks me to select a phone number or enter a phone number. I can enter a phone number that is not associated with my account, receive a XXXX passcode at that number, and successfully log in to my account. Being able to enter a new number as XXXX factor authentication completely defeats the purpose of XXXX factor authentication. If someone were to steal my identity and password, they can easily gain access by entering their own phone number and having a passcode sent to them. The purpose of XXXX factor authentication is prevent someone from accessing my account with stolen identity information. It should never allow a phone number that is not already registered to the 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 explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Ever since I reported Navy Federal Credit Union and the debt collector they worked with around XXXX XXXX for still contacting me about a XXXX XXXX XXXX debt, they reataliated and began to restrict me from using my account that I have had since XXXX. I am being told when I tried to link my XXXX account to my NFCU that my account is restricted and I can not use that feature and to contact them which I never did until XX/XX/XXXX. Next, they are still contacting me through the app ever since I lodged the XXXX complaint which I never called them about it until XX/XX/XXXX. The last straw was when I recieved an alert from XXXX on XX/XX/XXXX indicating that my NFCU account has been removed without my permission, so finally, I contacted NFCU to address all XXXX issues in XX/XX/XXXX. Instead of them resolving, they blamed me and made up justification and became offensive. I was on the phone with them XXXX or more hours going back and forth until I decided to lodge my complaint through the messaging feature in the app. Instead of them replying to eliminate my frustrations, to apologize, or to correct the account link issues, they accused me of being the one who is abusive and they threatened me with security. This is beyond belief. Companies retaliating against customers who file a complaint against them then they play the victims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am filing this complaint due to XXXX failure to upgrade my account to " Chime XXXX '' despite meeting all eligibility requirements, as well as a history of poorly handled disputes. XXXX. Failure to Upgrade Account Status : I have met the requirement of {$3000.00} in qualifying direct deposits within a XXXX period. On XX/XX/XXXX, a qualifying deposit was made that should have triggered the upgrade. When I contacted support last week, I was told to wait XXXX hours. It has now been over XXXX hours, and my account still has not been updated. When I called again today ( XX/XX/XXXX ), the explanation provided was unintelligible and offered no resolution other than " to wait, '' despite me already fulfilling the wait period they requested. This delay is preventing me from accessing credit-building features I have earned. XXXX. Issues with Previous Disputes : Furthermore, I have lost trust in Chimes dispute process. I previously filed a dispute for a {$30.00} fraudulent charge where I was scammed. Despite being a loyal member, Chime repeatedly denied my claim without providing adequate evidence or support, failing to protect my funds as a financial institution should. Desired Resolution : I am requesting that Chime immediately manually review and upgrade my account to Chime XXXX status, as I have met the financial criteria. I also request a formal re-evaluation of my previous {$30.00} dispute and a clear explanation as to why my account upgrade was delayed beyond the promised XXXX window.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: Chime Financial Inc
State: GA

Complaint narrative:
I have recently received ssi XXXX funds direct deposit to chime. I was told XX/XX/XXXX would be payment day. It was not. I have verified that the funds were sent from XXXX and that chime received and processed them on the XXXX. I was then told XX/XX/XXXX would be payment day. It was not. I was then told XX/XX/XXXX would be the day. It was not and chime is claiming they havent received the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
I am submitting a new complaint regarding XXXX unauthorized credit card charges in the amounts of {$340.00} and {$110.00} ( total {$460.00} ) on my Apple Card issued by Goldman Sachs Bank USA. I have made multiple attempts to resolve this matter directly with the bank, including XXXX emails and a formal written letter requesting documentation supporting these charges. I also filed a police report and submitted supporting evidence demonstrating that I did not authorize these transactions. The bank denied my dispute and reversed the temporary credit. In their prior response to the Consumer Financial Protection Bureau, the bank made several statements that are inconsistent and inaccurate : The bank stated that it did not receive any merchant evidence Despite this, the bank denied my dispute based on a holistic review of my account The bank stated that documentation was provided to me, which is not true The bank stated that there is no record of a police report, despite me submitting XXXX If no merchant evidence was obtained and no proof of authorization exists, there is no reasonable basis to conclude that these transactions were authorized. A general review of account history does not constitute proof that I completed or authorized these transactions. I have repeatedly requested documentation such as proof of authorization, transaction verification, or merchant records, and none has been provided. I am requesting that the bank : XXXX. Provide all documentation used in their investigation, including any proof that these transactions were authorized, or XXXX. Remove the charges due to lack of evidence Denying a dispute without merchant evidence or proof of authorization, while also providing inaccurate information in a prior CFPB response, raises serious concerns regarding the adequacy and fairness of the investigation under the Fair Credit Billing Act. I am requesting a proper and complete investigation and resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing a complaint against Santander Consumer USA regarding inaccurate credit reporting of a paid auto loan account. My account with Santander Consumer USA has been paid in full and closed. However, it continues to be reported as a charge-off, which is misleading and does not reflect the true status of the account. The issue appears to have resulted from a returned payment during the final payoff process. Once notified, I immediately corrected the issue and satisfied the full balance. The account was not abandoned, settled for less, or left unpaid. Santander accepted full payment and closed the account. Despite this, the account is still being reported as a charge-off across the credit bureaus. A charge-off designation implies that a debt was written off as uncollectible, which is not accurate in this case. This reporting is materially misleading and unfairly damaging to my credit profile. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report accurate and complete information. Continuing to report a charge-off after full payment does not meet this standard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Ava Finance, Inc
State: FL

Complaint narrative:
XX/XX/year> {$48.00} was deducted prior to the payment due date XX/XX/year> {$48.00} was refunded due to the payment being taking prior to the payment due date. After speaking with another agent he confirmed it was a system error. XX/XX/year> I made the payment of {$51.00} which still has NOT been applied to my account. These issues have been repeated errors each month with my payments not reflecting. This company takes the payments prior to the due date and then doe not apply it to the balance. Today, my balance is reflecting {$77.00} and no one can provide an explanation as to what happened with the payment of {$51.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: TN

Complaint narrative:
I enrolled in a debt settlement program with the expectation that my accounts would be resolved within the estimated timeline and cost provided at enrollment. I have paid in excess of {$9200.00} into the program, which exceeds the original estimated total cost of $ 7,526.55.Despite this, my account has remained active well beyond the expected completion timeframe ( approximately XX/XX/XXXX ) and has extended into XXXX. A significant delay occurred with one creditor. I had already approved a settlement ; however, payments toward that settlement were not executed as expected. This delay extended my time in the program and contributed to additional costs. My XX/XX/XXXX statement reflects that no accounts were settled during that period, despite my account remaining active. This indicates a lack of progress while I continued to incur costs. I have made multiple attempts to resolve this issue, including several emails and phone calls. I specifically requested that communication be handled in writing and asked for : Confirmation that no further charges would be processed A clear timeline for completion A response regarding my refund request Instead, I received repeated phone calls and voicemails from various representatives, including a supervisor, but did not receive a clear written response addressing my concerns. Additionally, after removing my payment method due to these issues, I continued to receive automated calls and messages regarding payments and account updates, which did not reflect the status of my ongoing complaint. I am requesting a refund of {$1500.00} to account for the overpayment and the extended timeline caused by delays and lack of proper execution of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My account was compromised and had {$700.00} taken out when I disputed it got denied

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 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/year>, I initiated an in-kind transfer of assets from PNC Private Bank to XXXX XXXX XXXX The transfer instructions were to move all eligible holdings except for XXXX, XXXX ( XXXX ), and Unity Select fund positions, which were to remain due to liquidity constraints. I was initially told this process would take approximately 12 weeks. As of today, this transfer has exceeded 45+ days and remains incomplete. The delay appears to have been caused first by PNC failing to timely release collateral tied to a securities-backed line of credit ( SLOC ) , despite the line of credit being paid off. After that was resolved, PNC stated that all remaining eligible assets had been submitted for same-day DTC transfer and would arrive at XXXX the following day. This did not occur. While some assets have transferred, a significant portion of the remaining eligible equity positionsthose not part of the excluded funds listed abovehave still not been delivered to XXXX. PNC has provided inconsistent and inaccurate updates throughout the process, including repeated assurances that assets were submitted or would arrive next day, which did not happen. As of now, I do not have confirmation that all remaining eligible assets have been submitted, nor do I have a reliable timeline for delivery. I have made multiple requests for escalation, clarification, and confirmation of transfer status, including exact submission timing and transaction details, but responses have been delayed, incomplete, or not provided. In addition, I provided clear instructions that the excluded funds ( XXXXXXXX XXXX and XXXX XXXX ) should be liquidated as permitted under their respective liquidity schedules, with proceeds transferred to XXXX XXXX as they become available. I have not received confirmation that these instructions are being properly tracked or executed, nor have I been provided with expected timelines. At this stage, there should be no remaining barriers to completing the transfer of all eligible assets in-kind, yet PNC has failed to complete the transfer as instructed. This ongoing failure to deliver the remaining assets and properly manage the liquidation process has prevented me from accessing and managing my investments and has potentially caused financial harm due to missed market opportunities.

Company response to consumer: Closed with explanation