vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: OH

Complaint narrative:
Reached end of loan and I have a XXXX delinquency balance and it was for warranty they stated once I shown proof they said they will dispute the XXXX never did. The office of president told me to email her proof that the gap paid everything minus my deductible I paid XXXX dollars for my deductible you guys just didnt apply it to the balance the balance should be zero. I spoke to a young lady in office of president she told me oh we held for warranty thinking you get a refund since you dont we will get this disputed is what everyone from the office said its still on my portal please send me a letter paid in full!! The gap paid my loan off I never have been late or delinquent ever! Please send me a letter paid in full! You guys charged me more then 5 dollars a day in interest thats the problem XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Opening a business checking account at XXXX XXXX. I mentioned three specific times that " I DID NOT WANT ANY OVERDRAFT FEES ''. The problem is... I still got overdraft fees that I opted out of ( 3 times ). In fact after that initial opening of the account I scheduled time off of work to go into a Wells Fargo branch to let them " I am still getting overdraft fees '' I was not sure why. After submitting a complaint they gave me back a small fraction of the Overdraft fees ( {$100.00} ). I am requesting that ALL of the stolen money from my bank account be returned, not just some of it. I have already started a complaint about this exact same thing was closed prematurely .. that is unaccaptable.

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 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I was at the XXXX XXXX XXXX in Maryland. My car was XXXX. I called on the XXXX which wouldve been a Sunday and I spoke to a customer service representative who told me that it was XXXX due to nonpayment they havent received a payment since XXXX, which was false I called maybe in XXXX of XX/XX/XXXX to get the pay near me information sent to my phone so I can pay either the XXXX or another way I guess the customer service representative that I talked to must have someone elses account information opened up already and when he sent me the pay near me information it mustve had that customers account number attached so each and every time I was making a payment it was being sent to the wrong account. But the Customer Service rep asked for my personal information to pull up my information and that I got that XXXX near me information to pay. when speaking with two or three supervisors, I was told each time that the payment had to be allocated and located and they were located put back to my account and I was awaiting for the approval department to reverse my account out of charge of status, I also was told by two supervisors and two or three Customer Service reps that my car is placed on hold it will not be sold by being at the auction. I called on Tuesday, XX/XX/XXXX. I spoke to a Customer Service rep who told me that my car was sold, but I asked to speak to a supervisor I was transferred to One. I was placed on hold by that one supervisor while he look up my account and then I was transferred back to the queue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV funding is trying to collect a debt without a chain of title. They sent generic forms without proper signatures and account numbers. The have to prove the original account and can not provide

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am disputing {$180.00} in identity theft / fraud charges ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on a newly issued card ( ending in XXXX ) I had not yet used. I have repeatedly disputed these charges over the phone with Bank of America, but the bank has repeatedly re-applied these charges and late fees. This inaccurate reporting is actively damaging my credit score during a home refinancing process. The bank claims I signed for these, which is impossible and they have not provided proof of the validity of these transactions. The fraudulent charges originally appeared in XX/XX/year>. I had requested a new card. When I received it, I tried to activate it on the Bank of America app on my mobile phone, and noticed that there were charges on the card that I had not made. I called the bank to dispute the charges and they were withdrawn, but I later received a letter telling me that the charges were valid and the charges were put back on the card. I have had a back and forth with the bank since XXXX and now I am being charged late fees and this is ruining my credit report and XXXX score. I have sent a certified letter ( attached ) to bank, but they continue to charge me late fees and ruin my credit. By the way, I was issued a new card ending in XXXX because of the fraud.

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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I sent money to the wrong person on cash app. I sent a {$180.00} to someone with the XXXX XXXX of $ XXXX. I called the cash app customer service number and they keep saying they arent able to refund or reverse the transaction. I requested back the money from the person and she does not see it or does not want to send it back. Cash app tried to contact her as well and no luck. The money was sent to help get my car out of impound which i described when i sent the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau Email : XXXX Hi, Im reaching out to file a complaint about unauthorized debit card transactions totaling {$970.00} that took place between XX/XX/XXXX and XX/XX/XXXX through Cash App on my account. I dont use Cash App, dont have an account with them, and I did not approve these charges. As soon as I noticed the fraudulent activity, I contacted my bank. They opened claim number XXXX, canceled my card, and issued provisional credit. Later, the bank denied my claim, saying the transactions were authorized, and then removed the credit without clearly explaining why or providing any evidence to support that decision. I asked the bank to reopen the claim and explain how they determined the transactions were authorized, including any device or authentication records they relied on, but I still havent received a clear answer. I believe these transactions should be treated as unauthorized fraud under the Electronic Fund Transfer Act and Regulation E. Im asking the CFPB to please : * Review this situation * Require the bank to conduct a proper Regulation E investigation * Explain why the claim was denied Thanks for your time and help.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX approved my XXXX XXXXXXXX in writing on XX/XX/year> and stated it had all necessary information to process and move forward. The letter said the remaining step was sending the XXXX XXXX and updating the system of record with the new assumer name. After the loan transferred to Shellpoint/NewRez, the account still appeared to be handled as an unresolved estate/successor matter. Shellpoint correspondence continued showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which appears inconsistent with the prior approved assumption. I requested the complete assumption file, transfer/boarding file, successor-in-interest records, system-of-record/name-update records, payment history, payoff records, credit-reporting records, call logs, and internal notes explaining what happened after the approved assumption. The companies have not provided a complete explanation or complete records. This unresolved servicing/transfer issue caused serious harm, including credit damage, payoff/refinance problems, forced high-cost financing, housing instability, and loss of funds needed to defend myself in active court proceedings. I am requesting CFPB require the companies to produce the complete assumption, transfer, boarding, payoff, credit-reporting, payment, escrow, and internal servicing records and explain why the approved assumption was not properly completed or reflected after transfer.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt VALIDATION AND CEASE AND DESIST for Account No : XXXX Original Creditor : XXXX XXXX Amount Claimed : {$10000.00} Dear Jefferson Capital Systems, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: WV

Complaint narrative:
The account was closed on XX/XX/XXXX. Paid in full. Synchrony Bank charged minimum interest charges, even though account was paid in full and closed. I have called in XXXX and XXXX and on both occasions, account representatives agreed to remove the interest charges totaling {$18.00}. The balance is 100 % fees charged by Synchrony ( Synchrony ). Now 120 days have passed and the account was charged-off. Synchrony has reported the past due account and charge-off to the credit bureau for XXXX {$18.00} balance. My XXXX XXXX was XXXX on XX/XX/XXXX. It is currently XXXX ( XX/XX/XXXX ). According to my current credit card company ( XXXX ), the reduction was a result of the Synchrony Bank past XXXX. I called Synchrony today and was told that I could not even make the payment. The balance is in " transition '' and that I would have to call back next week to get further details. They agreed again today that the full {$18.00} is fees after the account was closed. Once the account was closed in XXXX, I no longer had online access to my account. I destroyed my card and did not have my account number. The previous statements masked my account number, so it was very difficult to get through the automated attendant to actually talk with an account representative.

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 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Unauthorized transactions on my account, they restricted my account and then are refusing to give me my account number so I can have my money sent somewhere else

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 2026-05-27 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: MI

Complaint narrative:
I am submitting this response to formally and aggressively dispute your false and unsupported claim that my previous request was not submitted by me. This assertion is inaccurate, negligent, and appears to be an intentional tactic to avoid your legal obligations. This dispute was filed directly by me, the consumer, and not by any third party. I am not working with any credit repair organization, credit counseling agency, or outside company of any kind. Your repeated use of a generic, scripted responsewithout conducting an actual investigationconstitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to : - Conduct a reasonable investigation of all disputed information - Review all relevant evidence I submit - Provide the method of verification, including : 1. The name and contact information of the furnisher 2. The method used to verify the disputed information 3. Copies of all documents relied upon Your continued refusal to process my dispute, despite receiving proper documentation, is not only unlawfulit demonstrates clear negligence, bad faith, and repeated non-compliance with federal consumer protection statutes. To eliminate any excuse for your failures, I have provided full identity verification, including my government-issued ID and proof of address. You now have no legitimate or lawful reason to deny or dismiss my dispute. Your repeated closures of my disputes with identical, copy-and-paste language is unacceptable, unlawful, and a direct violation of your duties under federal 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 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Fraudulent activity occurred on my account involving unauthorized Western Union money transfers totaling {$4700.00}. These transactions are associated with Western Union fraud claim reports that I filed after discovering the unauthorized activity. Additional unauthorized profiles and/or accounts were created in my name without my consent, and multiple transfers were executed without my knowledge or authorization. I promptly reported the issue to the financial institution and submitted formal fraud claims, requesting a full investigation and reimbursement of the unauthorized transactions. I also provided supporting documentation related to the disputed activity. Despite my timely reporting and submission of evidence, the claims were not resolved in my favor, and the disputed funds were not returned. I believe the investigation was insufficient and did not properly address the unauthorized nature of these transactions. I am requesting a full and fair investigation under applicable consumer protection and electronic funds transfer regulations, correction of all fraudulent activity, and full reimbursement of the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am filing a complaint against XXXX concerning inaccurate and harmful reporting submitted to XXXX related to my bank account. XXXX XXXX reported my account as involving account abuse and/or suspicious activity to XXXX. I dispute this reporting because I did not intentionally misuse my account, commit fraud, or knowingly violate banking policies. As a result of this reporting, I have experienced significant hardship, including difficulty opening new bank accounts and damage to my consumer banking record. The reporting has negatively affected my ability to access essential financial services. I am requesting a fair resolution and ask that XXXX XXXX : Conduct a full reinvestigation of the account reporting Provide documentation and evidence supporting the account abuse designation Correct or remove any inaccurate information reported to XXXX XXXX written confirmation once the investigation is completed Ensure compliance with the Fair Credit Reporting Act and applicable consumer protection laws If XXXX XXXX can not verify the accuracy of the reporting, I request that the XXXX entry be permanently deleted immediately. I believe consumers should not be unfairly labeled in a way that prevents access to basic banking services without clear evidence and due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am writing to you regarding an unfair and deceptive practice by Shellpoint Mortgage / New Rez. My Shellpoint Loan number is XXXX and The property Address is XXXX XXXX XXXX, XXXXXXXX XXXX, I am the sole borrower on the property XXXX XXXX XXXX This letter is a Notice of Error pursuant to RESPA ( 12 U.S.C. 2605 ( e ) ) and Regulation X ( 12 CFR 1024.35 ). I am writing to formally dispute the improper creation of an escrow account and subsequent over-allocation charges on my account. Shellpoint has committed a clear servicing error and misrepresented account terms based on the following timeline : XXXX. Prior Taxes Paid : I paid all primary XXXX real estate taxes on time ( XXXX XXXX ). Plus {$3000.00} 2. There were two smaller secondary Real Estate Bills that was billed to me by the XXXX XXXX XXXX, less than XXXX each. One which was paid and one which I was researching with the city to understand what it is to make sure I was also getting credit since there were 2 outstanding. 3. Improper Escrow Setup : On XX/XX/XXXX, Shellpoint established an escrow account without prior notice due to a secondary city tax bill. This was done without knowledge or consent. Had they contacted me ahead of time they would see that I was more than able to pay it and that I was in process of working with the City to ensure its proper crediting since there were 2 not one. 3. Verbal Agreement & Misrepresentation : On XX/XX/XXXX, a Shellpoint agent explicitly stated that because this was a one-time matter, if I paid the secondary bill in full, Shellpoint would waive and remove the escrow account. 4. Full Compliance : I paid the bill in full immediately. Credit in the amount of XXXX was posted to Shellpoint by my payment on XX/XX/XXXX. 5. Servicing Error & Delay : Shellpoint failed to waive the escrow, subsequently denied it without notifying me, delayed the process by claiming they would " resubmit '' it 7 days later, and officially denied it another 7 days later. Because the secondary tax bill has been paid in full, there is no outstanding tax liability. The current escrow calculation is an over-allocation and relies on a debt that no longer exists.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation