vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage purchased my loan. I have paid my own Escrow for 15 years. They added escrow to my monthly payment. I have contacted them 10 times by email over a 60 day period with receipt of paid tax by email and called twice and remained on hold for approximately 60 minutes each call to no resolution. I with held escrow this month, and they have charged me a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc

Complaint narrative:
My mobile phone was suddenly hacked, and I didnt realize it at first. Later, I noticed that unauthorized transactions had been made from my account. Someone gained access to my phone and withdrew all the funds from my Chime bank account without my permission. As soon as I found out, I immediately called Chime Bank and explained the entire situation. I filed a dispute and expected that the bank would help me recover my money. I provided all the details, including the transaction times, amounts, and clearly stated that these were unauthorized activities. However, after a few days, I received a response from the bank stating that my dispute had been denied. They said there was not enough evidence of fraud, so they could not approve a refund. This was very stressful for me because I lost all my funds and did not receive any support. After this incident, I became more careful about security. I changed my passwords, enabled two-factor authentication, and started taking extra precautions to avoid such situations in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Duvera Billing Services, LLC
State: CA

Complaint narrative:
I got a loan from XXXX pay finance for master automotive mechanic in XXXX XXXX XXXX. But master automotive did not fix my vehicle. I sued master automotive and I won. XXXX pay finance still wants their money and told us we have to pay them which is not right. Threatened to take us to collections and still wont stop calling me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: M&T BANK CORPORATION
State: CT

Complaint narrative:
I am filing a complaint regarding an unauthorized debit card transaction that my bank, M & T Bank, has refused to properly investigate under the Electronic Fund Transfer Act ( EFTA ). On XX/XX/year>, a charge of {$250.00} was made at a bar using my debit card. I did not authorize this amount, did not sign for this transaction, and did not agree to any open tab or final charge. While my card may have been temporarily accessible, I did not provide authorization for this specific transaction amount. I reported the transaction promptly. The bank initially issued a provisional credit, but later reversed it and denied my claim without providing sufficient evidence that I authorized the {$250.00} charge. The bank has not produced a signed receipt, PIN authorization, or any documentation demonstrating that I approved this amount. Under the Electronic Fund Transfer Act, I am entitled to a good faith investigation of unauthorized electronic fund transfers. The bank appears to have relied solely on the fact that the card was present, which does not establish authorization of the transaction amount. I believe the bank has not met its obligations under federal law in handling this dispute. Thank you.

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 2026-04-20 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: TN

Complaint narrative:
I was sent an email informing me that my personal information had been compromised around the same time theyre telling me this account was opened. This account was just added as a derogatory delinquency and I want it removed immediately. Under the FCRA 605B I am requesting that this debt be removed from my report it is illegal and it is unauthorized please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: NC

Complaint narrative:
recieving text messages, emails, and phone calls everyday about debt i know nothing about. I seen on my credit report that there was an address listed in colorado that i never lived at

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a victim of identity theft and a fraudulent job/employment scheme involving fake checks and XXXX transactions XXXX I was induced into sending funds under false pretenses and did not knowingly authorize a legitimate transaction. I reported the fraud to Bank of America immediately. I have also provided all required documentation, including my Identity Theft Report filed with the Federal Trade Commission, my affidavit, and supporting evidence. Despite this, Bank of America denied my claim and continues to treat the transaction as authorized. Additionally, my account was abruptly closed following the incident, further compounding the harm I experienced. XXXX XXXX XXXX has already investigated my case and removed the majority of fraudulent entries from my consumer report, confirming the legitimacy of my claim. However, Bank of America has failed to correct its records or properly acknowledge my status as a fraud victim. As a result, I have suffered a financial loss of {$2200.00} and damage to my consumer banking record. I am requesting that Bank of America : Reopen and properly investigate my claim Reimburse the {$2200.00} lost due to fraud Correct all inaccurate fraud reporting Notify XXXX XXXX XXXX of my verified fraud status Provide written confirmation of all corrections

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 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/year> a check was written from my Santander money market savings account by XXXX XXXX in the amount of {$8000.00} payable to XXXX. I do not have checks for this account and XXXX XXXX is not my name. Santander denied liability for this check as I did not contact them within 60 days. They acknowledged there was fraudulent activity on my account and returned all funds except for the {$8000.00}. I had spoken with XXXX and they told me to contact Santander to re-open the claim and they would return my money. Santander informed me they would not re-open the case and would not return my money.

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 2026-04-20 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: Block, Inc.
State: IL

Complaint narrative:
I am filing this complaint against Cash App because I have {$200.00} in my account and have been unable to access or withdraw my funds despite repeated efforts to resolve the issue with the company. I am able to log into my Cash App account, view my balance, profile, settings, and personal information, which confirms I am the account holder. My account shows my legal name, contact information, connected devices, and current balance. Cash App requested identity verification, and I repeatedly cooperated by submitting my identification, account details, and responses to their support team. I followed their instructions multiple times and provided the requested documentation. Despite this, I received inconsistent and conflicting responses. I was told my case was under review, then asked to resubmit documents, then told to replace my ID, and later informed the case was closed. Cash App did not provide a clear or workable way for me to access my remaining funds. The {$200.00} remains in my account, but I still can not successfully withdraw it. This has caused financial hardship and unnecessary delay. I am requesting immediate access to my funds. If standard withdrawal methods are unavailable, I am requesting a manual payout by ACH transfer or debit card transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/year> the debt was paid off to an unknown debt collector with an amount of {$2500.00}. I wasn't living there and unaware of this debt taking place. Attempted to contact last year with no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
paid {$510.00} for XXXX XXXX through XXXX XXXX XX/XX/year> for " highest visibility boost '' but never received the service. Views dropped from XXXX to XXXX per day immediately after purchase, and XXXX marked my account as probable spam. I contacted XXXX on XX/XX/year> to report the issue. I contacted XXXX starting XX/XX/year>. XXXX acknowledged the purchase as defective, attempted a refund but stated the funds had already been forwarded to the XXXX. XXXX later cancelled the purchase and labeled it as refunded. Disputed charge with Capital One yet dispute was repeatedly closed citing valid merchant response despite evidence of non-delivery and cancelled sale by the merchant. Capital One codes it as a cancellation issue and refuses to code it failure to receive/ services not delivered as agreed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: CO

Complaint narrative:
I am filing this complaint against Beyond Finance regarding illegal fee collection practices and violations of the Telemarketing Sales Rule ( XXXX XXXX XXXX ) and the Colorado Uniform Debt Management Services Act. In XXXX of XXXX, I enrolled {$100000.00} of debt into their program. For a specific {$29000.00} account, Beyond Finance negotiated a settlement. To date, the company has only distributed two payments of {$25.00} each ( totaling {$50.00} ) to the creditor. Despite this nominal progress, Beyond Finance has already seized {$3400.00} in fees from my account and claims I owe a total fee of {$7000.00} for this single account. Under C.R.S. 5-19-223, fees must bear a proportional relationship to the amount of debt actually settled and paid. Collecting 48 % of a total fee while delivering less than 1 % of the settlement amount to the creditor constitutes illegal front-loading. Furthermore, a {$7000.00} fee on a {$29000.00} debt ( XXXX % ) appears to exceed the 18 % fee cap generally allowed under Colorado state law. When I questioned this and attempted to terminate my contract, a company representative informed me that I would be held " responsible '' for the full {$7000.00} regardless of the fact that the debt has not been paid. This practice acts as an illegal penalty for cancellation and violates consumer protection standards. The representative XXXX XXXX XXXX stated that she stands by her statement and I that I will pay the fees. As a Detective in XXXX, XXXX, I am well-aware of the importance of statutory compliance. I am requesting that the CFPB investigate Beyond Finances practice of front-loading fees before substantial payments are made to creditors and assist in the return of the unearned money taken from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I have asked the company to validate this debt. It is not mine

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 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : FCRA 1681c-2 Request for Block of Inaccurate / Prohibited Information To Whom It May Concern, I am writing pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act to dispute and request the immediate blocking of the following information currently appearing on my TransUnion consumer report. The account ( s ) listed below contain information that is inaccurate, unverifiable, and/or prohibited from reporting. Items to Be Blocked XXXX XXXX XXXX XXXX 30 DAYS XXXXACCT # XXXX Under FCRA 1681c-2, TransUnion is required to block reporting of information that results from inaccuracies or can not be properly verified. Please conduct the required review and remove or block these items from my consumer report. If you determine that any of the above information will not be blocked, please provide written documentation of the method of verification as required by 15 U.S.C. 1681i ( a ) ( 6 ). Thank you for your prompt attention to this matter.

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 2026-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding LoanCares failure to properly calculate my mortgage escrow account despite receiving documentation of an approved property tax exemption. My property has been granted a 100 % XXXX Veteran Property Tax Exemption by the XXXX XXXX XXXX XXXX. This exemption is already approved and active. I have provided LoanCare with all required documentation, including the XXXX approval and VA confirmation of a 100 % XXXX rating. Despite this, LoanCare continues to calculate my escrow using an annual property tax amount of approximately {$22000.00} and has advised that no correction will be made until a future tax bill reflects the exemption. This position is not appropriate, as the exemption is not pendingit is already in effect. After being provided documentation of the approved exemption, LoanCare conducted a new escrow analysis and increased my monthly payment based on this incorrect tax amount. The updated analysis reflects approximately {$1800.00} per month in property taxes and an additional shortage amount, resulting in a significantly increased monthly payment or a required lump sum payment. As a result of LoanCares actions XXXX XXXX My escrow account is being calculated incorrectly XXXX My monthly mortgage payment is inflated XXXX LoanCare is collecting funds for property taxes that are legally exempt I have made multiple attempts to resolve this directly with LoanCare, including providing documentation and requesting an escrow reanalysis. The issue remains unresolved. I am requesting the following resolution : XXXX Immediate escrow reanalysis using the approved exemption documentation XXXX Adjustment of projected property taxes to reflect a {$0.00} tax liability or removal of the tax escrow requirement XXXX Correction of my monthly payment XXXX Review and refund of any improperly collected escrow funds Supporting documentation is attached, including the Assessors approval letter, VA disability documentation, escrow analysis, and correspondence with LoanCare. LoanCare has been provided with documentation of an approved and active exemption yet continues to calculate escrow as if the tax liability exists. This reflects a failure to properly evaluate borrower-provided documentation and correct a known servicing error.

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 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I was approved for a Citi Diamond Preferred credit card ( ending in XXXX ). After receiving, activating, and using the card, my account was suddenly restricted due to suspected fraud. My last transaction occurred on XX/XX/year>. I immediately contacted Citi and spoke with multiple representatives, including a supervisor in the fraud department. I was told I would receive a letter within 710 business days explaining the issue and how to resolve it. As of XX/XX/year>, I have not received any such letter. Additionally : Citi can not confirm the date the letter was allegedly mailed Citi can not provide tracking information or delivery confirmation Citi can not provide a copy of the letter or its contents No electronic communication or secure message has been provided A fraud department supervisor was unable to resolve or explain the restriction My account remains restricted with no access or resolution It has now been over 18 days since my last transaction and well beyond the stated 710 business day timeframe. Citi has stated that a letter was sent regarding this issue, yet they are unable to provide any proof that the notice was actually mailed or delivered. I have checked my mail daily and have received nothing. This raises serious concerns about whether the notice was ever sent at all. This lack of communication and access has caused financial hardship, as I am unable to use the account for planned expenses or properly manage the account. Citi has failed to provide timely notice, a clear explanation, or a path to resolution. I am requesting : Immediate written and verbal explanation for the account restriction Immediate restoration of account access OR clear, actionable steps to resolve the issue Confirmation that no negative reporting has been or will be made to credit bureaus Documentation of all actions taken on my account Explanation for failure to provide timely and verifiable notice

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 2026-04-20 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: Williams & Fudge, Inc
State: CA

Complaint narrative:
CFPB, I am submitting this complaint regarding a recent notice I received from Williams & Fudge , Inc. concerning an account they are attempting to collect. While I acknowledge receipt of their communication, I am requesting assistance due to prior negative interactions I have had with this company. In a previous experience with Williams & Fudge, I interacted with an agent identified as XXXX XXXX. That interaction was not handled in a professional or satisfactory manner, and it created significant discomfort and concern regarding how my account was being managed. Because of that prior experience, I no longer feel comfortable communicating with or having my account handled by this individual. Additionally, I would like to ensure that all future communications regarding this account are conducted in writing, specifically via email. I am not consenting to phone calls at this time. Written communication will allow for clear documentation and reduce the risk of miscommunication. At this stage, I am not refusing to address the account. Rather, I am requesting clear, professional communication regarding available repayment options so that I may evaluate and resolve this matter appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I Recently checking my credit report and I noticed that I had multiple collections and closed accounts. All of these accounts, I have no knowledge of. They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. These accounts are as follows : Fifth Third Bank

Company response to consumer: Closed with explanation