vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding the servicing of my mortgage loan by M & T Bank. The loan is currently in foreclosure, and I am the successor in interest after the death of the original borrower ( my father ). After my father 's passing, I contacted M & T Bank to explore available options to retain the home and resolve the delinquency. On XX/XX/year>, M & T Bank sent a letter stating that on XX/XX/year> the bank determined that I qualified for a Standard Modification. The letter explained that M & T Bank would prepare the permanent modification documents and that the process would take approximately 60 days. The XX/XX/year> letter also stated that I had been approved for a home retention option and described the next steps for completing the modification. Subsequently, on XX/XX/year>, I received another letter from M & T Bank stating that you and M & T Bank have agreed to a modification. These letters clearly indicate that I was approved for a loan modification and that the modification had been agreed upon. However, I later received a denial of the modification, even though no changes occurred in my financial situation, documentation, or eligibility during this period. The denial referenced investor participation but did not clearly identify the specific investor guidelines relied upon or provide documentation supporting the determination. Additionally, I recently received a response from M & T Bank regarding this issue, but the response did not clearly address why I was first informed that I qualified for a modification, why a letter later stated that the modification had been agreed to, and then why the request was ultimately denied. This has created significant confusion regarding whether my loss mitigation review was handled properly. The XX/XX/year> letter also states that the owner of the loan is the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). Because of this, I am requesting clarification as to whether XXXX program guidelines and borrower protections were properly followed during the servicing and review of this loan. I respectfully request that the CFPB require M & T Bank to : Explain why I was informed that I qualified for a Standard Modification on XX/XX/year> Explain why a letter dated XX/XX/year> states that the modification had been agreed upon Identify the specific investor guidelines used to later deny the modification Confirm whether XXXX program requirements were properly applied Review whether proper loss mitigation procedures were followed before foreclosure activity continued I am attempting to resolve this matter in good faith and am requesting a fair and transparent review of how this mortgage modification was handled.

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 2026-03-07 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am writing to formally escalate an unresolved fraud claim that has been ongoing since XXXX. Fraud occurred on both my Citizens checking and savings accounts, and after months of investigation my account now shows that one of the claims has been marked as paid. However, I have not received any payment, and the information I have received from customer service over the past three weeks has been inconsistent and contradictory. I have been told : I would receive a check The funds would be deposited into my account Most recently, that there was a chargeback and I will not receive the money The chargeback occurred because Citizens owed me funds due to the fraud while my account had no available balance. This situation should not prevent reimbursement for a confirmed fraud claim. The claim in question is : Claim Number : XXXX XXXX Amount : {$2100.00} Since the system shows this claim as paid, I need clarification immediately regarding : 1. Where the payment for this claim was issued or applied 2. When and how the funds will be delivered to me 3. Why a chargeback would prevent reimbursement for a confirmed fraud claim Claim Number XXXX Amount : {$3200.00} - Same exact issue has happen as prior claim. Fraud checks wrote yet this claim has been denied. This matter has been ongoing for several months and I have made repeated attempts to resolve it by phone without receiving a clear answer. I am requesting a written response explaining the status of this claim and when payment will be issued.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I bought a Dimond ring on promotion on XX/XX/XXXX credit card. two transactions one for {$1400.00} for 12 months 0 % interest second for {$9600.00} for XXXX t months at 0 % interest. I was not charge interest in XXXX or XXXX, XXXX shows interest charge as well for XXXX when I call on XX/XX/XXXX that told me it was too late to dispute this and I was never on 0 % promo. Customer service was rude and they hung up on me 2 times after trying to speak to managers. also contacted the store where I purchase the ring and was told they would look into it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NRA Group, LLC
State: TN

Complaint narrative:
My insurance was the XXXX responsible for this Bill

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am disputing a transaction from XX/XX/XXXX for {$170.00} at XXXX. I originally filed a dispute with Chime, but it was denied. I disagree with this decision because the items were never delivered and the merchant sent nothing. I contacted the merchant on XX/XX/XXXX to resolve this, but they provided no proof of shipment or refund. I have attached evidence showing the lack of delivery. I request a formal reinvestigation of this claim under Regulation E, as I am being charged for goods that were never provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: WY

Complaint narrative:
My taxes we delivered to my Netspend account on XX/XX/2026, I did not touch any of the money. Then I started get emails from Netspend XX/XX/2026 saying how unusual activity was on my account. I went to the emails and I looked and there was {$1000.00} charge on that card. I tried to dispute it and nothing was done about it. I then got a hold of the company again that day and was able to actually look into my account and was able to still log into my account, thinking that they were doing something about it and protecting my account I stopped talking to them for that day XX/XX/XXXX I went to use the card and it was shut down. I called the company immediately and talked to one of the representatives and she told me I see the charges and I said I talked to somebody yesterday and nothing happened and my car shut off and I cant use my money, I gave her my information was able to use my card, but I still was not able to log onto the website or the mobile app because my password and email was changed and I did not change it then got a hold of the company multiple times within three days after XX/XX/XXXX all of a sudden it was saying {$2000.00} was pending for a company called sleepers. I I emailed I called Netspend and let them know that I am the owner of that card and did not change any of that information and nobody would talk to me. I called 15 times and sent multiple emails. I had over {$5000.00} deposited into that account and it is all gone and nobody will talk to me because the password was changed in and email was changed and I did not do it.

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 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Global Lending Services LLC
State: TN

Complaint narrative:
My XXXX XXXX was declared solely responsible for our vehicle loan in our XXXX. I asked multiple times if I could take possession of the vehicle. The vehicle was in both of our names. My ex husband refused to let me get the vehicle and allowed it to be repossessed. In our XXXX XXXX, he was declared solely responsible for the vehicle loan by the judge. Global Lending Services will not remove the loan repossession from my credit even though Ive submitted copies of the XXXX XXXX signed by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX I was charged {$5500.00} to my American Express Credit card by XXXX XXXX. We attempted to contact the window services with general questions on or about XX/XX/XXXX. The XXXX became hostile, and immediately stated we could not cancel anything. We asked how products could be ordered without an executed contract or permits being pulled. On or about XX/XX/XXXX I contacted American Express to dispute the charge as no services have been rendered and I have not signed any contract. On XX/XX/XXXX American Express closed the dispute and said I was responsible for the charge due to the contractors cancellation policy. On or about XX/XX/XXXX I contacted American Express again to inquire how I could be held to a contract I never received or signed by the vendor. I informed them there was no valid contract as per the NJ Consumer Fraud Protection Act. American Express again stated they would reopen the dispute as a no valid contract ( and fraud I believe ). On XX/XX/XXXX American Express again closed my dispute citing the contractors cancellation policy. I immediately contacted American Empress via phone and was told American Express is bound to the contractors policies per FTC law and that state laws have no bearing. As of now I am still being charged {$5500.00} for services I never agreed to and have not received. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year> an employee of Bank of America violated my privacy rights and provided private information to XXXX XXXX and XXXX XXXX with when my savings account was opened and the Bank the funds came from and the exact amount deposited. The employee also provided when my checking account was opened and where the funds came from and the exact amount deposited. The savings and checking accounts were in my name and my father 's only. The family law attorney we met with stated to all of us that these two accounts belonged to me. When XXXX and XXXX went to XXXX Bank for account information they were told Social Security advised that my father passed away and they placed a decedent hold on the accounts and no information was provided. Please make sure no more information about my accounts is provided to anyone.

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 2026-03-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: CO

Complaint narrative:
Although making any minimum monthly payments while in XXXX XXXX XXXX XXXX, StudentGov stopped countining my payments toward XXXX with no explanation. My account also says they do not have verification for 5 months although that has been provided. Due to this delay, my forigveness now has moved almost an entire year back from the original forgiveness date. I have submitted a claim with StudentGov on XX/XX/year> and still have not heard back. I have called StudentGov to ask for the number of someone to call or speak to and I was told there was not a number to call and that I just had to wait.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bilt Technologies, Inc.
State: FL

Complaint narrative:
For over a year, I have paid rent with XXXX, then reached out to Bilt, who will then manually add points to my account. Last month, I emailed them with the usual monthly request. However, I am receiving no response now that Bilt has changed their issuer and rewards program. To make matters worse, I am now paying an annual fee for the card due to the Bilt 2.0 conversion, but I am unable to get in contact with anyone. I have sent multiple emails to Bilt customer support since XX/XX/XXXX to answer my questions. I have also reached out via the chat function on the website, through XXXX on the mobile app, and on XXXX I have received zero response aside from unhelpful chatbot replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 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: BMO BANK NATIONAL ASSOCIATION
State: CO

Complaint narrative:
The card was dormant with a XXXX balance for years An unauthorized {$29.00} XXXX charge appeared XX/XX/year> You called multiple times throughout 2025 to dispute it Each time you were told it needed a different department or a manager would call back They never resolved it and instead sold the debt to collections Late fees accrued to $ XXXX on an unauthorized {$29.00} charge The collection agency 's own dispute email bounces back

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 2026-03-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XX/XX/XXXX, while reviewing my credit report, I discovered an account listed that I do not recognize and did not authorize. The report indicates that a phone service account was opened in my name in XX/XX/XXXX. I want to clearly state that I did not open, apply for, or consent to this account, nor did I authorize anyone else to do so on my behalf. Because this account was opened without my knowledge or permission, I believe it to be the result of identity theft or fraudulent activity. I am formally disputing this account and requesting that it be investigated and removed from my credit report as fraudulent. I am taking the appropriate steps to report this matter and protect my identity, and I respectfully request that this account be reviewed and removed from my credit file as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
National Credit Systems , Inc. sent me an email and automated text message about a rental debt in early XX/XX/year>. I sent a Cease & Desist email on XX/XX/year> ( from the email they had on file ) to their XXXX stating : My name that I am legally judgment-proof. My total annual income is less than {$2000.00}, which is entirely exempt from garnishment under Missouri Revised Statute 525.030. that I am exercising my right under the FDCPA ( 15 U.S.C. 1692c ) to demand that they cease all further communication with me via text, email, and phone. Do not contact me again Then they sent me another offer by email on XX/XX/year>. I did not respond. I want them to cease contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WY

Complaint narrative:
I also need to document a separate issue that occurred on XX/XX/year>. During a call with Wells Fargo XXXX XXXX representative XXXX, I asked whether a search warrant had been served. XXXX stated that no search warrant existed. Immediately after that call, I contacted the XXXX XXXX XXXX Department and spoke with Detective XXXX, who confirmed that a judgesigned search warrant had been served on XX/XX/XXXX and provided me with Wells Fargos internal reference number for that warrant : XXXX. When I called Wells Fargo back and provided reference number XXXX, the representative stated that the number did not exist. These conflicting statements raise concerns about the accuracy of Wells Fargos records, the completeness of their investigation, and whether the banks determination was made using verifiable information.

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 2026-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had got back up with paying my credit card about XXXX to XXXX years ago. I had lost my job and wasnt able to pay and the interest rate was getting to high and that caused my credit to start dropping down and I ended up paying it all back after

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Goal Structured Solutions, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX I entered into a solar financing agreement arranged through the XXXX XXXX XXXX / XXXX XXXX. The system was financed for approximately {$51000.00} through XXXX Bank and is currently serviced by Launch Servicing. The solar system initially produced power as expected. However, on XX/XX/XXXX the system stopped producing energy entirely. The XXXX monitoring system shows that the site is still communicating but not producing solar power. The application specifically instructs the homeowner to contact the installer for service. The installer responsible for the sale and installation of the system, XXXX XXXX XXXX XXXX, has since gone out of business. Because the installer is no longer operating, there is no XXXX available to repair or service the system. At the time of sale, the solar XXXX represented that the system would eliminate my electric bill and could generate credits for excess electricity. I agreed to the installation and financing based on those representations. The solar system financed by this loan is now non-functional, and I continue to make loan payments for a product that is not producing energy and can not currently be serviced by the installer. I have already opened a dispute with Launch Servicing requesting investigation and relief. I am requesting that the lender investigate this matter and provide appropriate resolution. Because the solar system financed by this loan is non-functional and the installer is no longer in business, I am requesting cancellation of the remaining loan balance or a substantial reduction of the loan and reimbursement of payments already made.

Company response to consumer: Closed with explanation