vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 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: Chime Financial Inc
State: IL

Complaint narrative:
XXXX was took out my account from another state, someone tried 2 pay a bill using my card i tracked the company down & told them its wasnt me I made police reports made a dispute with Chime bank they got {$250.00} of my ssi check back i need it all now they saying they closing my account because I keep telling them im XXXX, im on XXXX im a veteran, I need my funds for rent, I dont want XXXX I want my whole XXXX im tired of this company scamming ppl I open a dispute they close it with in 24hrs they haven't even tired to help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I sent a written dispute and request for debt validation via certified mail regarding this account. The company received and signed for the letter on XX/XX/year>. I requested full validation of the alleged debt, including the original creditor information, itemized accounting, and documentation establishing the companys right to collect. The company did not provide the requested validation. Despite the account being disputed and unverified, the company continued reporting the account and updated the balance to {$10000.00} on XX/XX/year> and again XXXX, XXXX, XXXX. I am requesting investigation into failure to validate the debt and continued reporting of disputed 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 2026-06-02 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
My student loans were forgiven due to my school being a shady school. I had a Borrower 's defense discharged applied. It shows completed in XX/XX/year> on the federal student aid website. Part of that is that I get refunded the money that I paid into those loans. I am looking at close to XXXX that Aidvantage owes me back. I received a letter in XXXX from Aidvantage that stated to verify my address and I would receive a refund check within 60 days. I promptly did that. I was told 4-6 weeks. I have checked back at least once a week and they keep telling me that the Borrower 's Defense is still processing and not yet completed, which isn't true because it was completed back in XXXX. I tried again last week and was told now that it could take up to 7 months to complete. I just would like a refund of my money so I can put it towards a better school. I'm not sure what the disconnect is, but I know through research that I am not the only one having this issue with Aidvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year> I sent {$38.00} from my XXXX account to my PayPal account. It never showed up, and both XXXX and PayPal pointed fingers at each other. I have been trying to resolve this, but apparently neither company is able to help me. They then claimed to have disputed the undelivered money, but it will take 10 business days, and I have no record of this dispute anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: NY

Complaint narrative:
I got a new XXXX XXXX card because I left my abuser who had the numbers so I need a new one I was in a shelter with only a copy of my birth certificate and my social security card I have requested a copy of my birth certificate its been almost 50 days I need to pay my bills and my rent they will not budge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I made a transaction today using my XXXX XXXX card and the current exchange rate on usa.XXXX is XXXX XXXX XXXX = {$1.00}. The cost of the charge in XXXX that I executed was XXXX XXXX, I was charged {$370.00}, Which puts the transaction at an effective exchange rate of XXXX XXXX. the difference between the XXXX and BOA charges is XXXX XXXX at a point in time when the transaction was executed. when I called BOA to check about the details of they were not able to tell me how and what contributed to the difference in conversation.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I ask that this account be removed from my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a continuation of, and an addition to the following complaints : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I am an XXXX Subject Matter Expert filing a comprehensive, amended enforcement complaint against Wells Fargo for systematic ledger manipulation, CARES Act violations, and bad-faith equity stripping on a contractually protected XXXX XXXX portfolio loan ( Account ending in XXXX ). Wells Fargo has systematically halted four of my active open complaints ( including Complaint ID : XXXX ) by executing a boilerplate 60-day extension stall tactic. I am filing this immediate enforcement update because I have uncovered definitive documentary proof of manual ledger tampering that completely invalidates Wells Fargo 's " no error found '' defense, meaning there is no financial logic left to " review '' for 60 days. On XX/XX/XXXX, instead of preserving my contractually protected XXXX XXXX and COVID-19 natural disaster relief deferrals per mandatory XXXX XXXX guidelines , Wells Fargo executed an unauthorized manual database override loop. They processed back-to-back negative ledger adjustments ( $ XXXX and $ XXXX ) to artificially spike my interest-bearing principal balance from {$190000.00} to {$230000.00}. This illicitly wiped out my non-interest-bearing secondary deferred balance of {$28000.00} down to {$0.00} and forced me to pay {$2900.00} in predatory compounding interest leading up to the sale of my home in XX/XX/XXXX. Wells Fargo Executive Office Specialist XXXX XXXX admitted in writing in a signed letter dated XX/XX/XXXX, that the bank intentionally capitalized this {$28000.00} protected balance. This is a severe statutory violation. Furthermore, XXXX XXXXXXXX XXXX written breakdown claims a baseline penalty consisted of {$5800.00} in delinquent interest ; yet Wells Fargo 's own manual journal entry sheet proves only {$150.00} was applied to interest, while they fabricated a phantom " Predistributed Payment '' of {$6900.00} out of thin air to force-balance a broken automated system interface block. This corporate fraud has held my retirement XXXX for 8 exhausting months. I have already submitted this full evidence file to the FHFA-OIG Hotline and the Florida Department of Agriculture and Consumer Services ( Case XXXX XXXXXXXX ). I demand an immediate federal escalation and full financial reimbursement of my {$15000.00} injury and {$6000.00} in consequential damages.

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 2026-06-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
In XX/XX/year>, my husband and I personally visited a Truist branch on XXXX XXXX, XXXX and paid off the HELOC balance in full by submitting a check for {$17000.00}. During that visit, we specifically instructed the bank representative to close the HELOC because we did not wish to incur future annual maintenance fees. We left the branch with the clear understanding that the account had been properly closed. A few days after, we purchased another home and closed on our mortgage on XX/XX/year>. Had we known that the HELOC remained open, we would have taken immediate action to address the issue. Furthermore, it is my understanding that lenders carefully review outstanding obligations during the mortgage approval process. This further reinforced our belief that the HELOC had been properly handled and closed as requested or else we would not be able to receive a mortgage! Years later, I learned that Truist had continued to assess annual maintenance fees of {$50.00} per year, resulting in approximately {$150.00} in charges. Because we moved after purchasing our new home, we did not receive any notices regarding these fees and were completely unaware that the HELOC had allegedly remained open. I have been a loyal Truist customer for many years and have also maintained my mortgage with Truist for the past several years. For that reason, I am particularly disappointed by the bank 's handling of this matter. Because the open HELOC is currently interfering with my ability to obtain financing from another lender, I may be forced to pay the disputed amount solely to obtain a payoff letter, closure confirmation, and release of the lien. Any such payment should not be interpreted as an admission that the fees were properly assessed. Any payment would be made under protest and solely to mitigate damages and prevent further delays in my pending financing transaction. This payment should not be interpreted as an admission that the fees were properly assessed or that I agree with Truist 's position. Rather, the payment is being made under protest and under financial necessity.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: HI

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX $ XXXXis falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I am submitting a complaint against Kia Finance regarding a missing {$3300.00} refund/credit connected to the cancellation of an optional insurance/product purchased with my XXXX XXXX XXXX XXXX XXXX . On XX/XX/year>, I submitted a cancellation request for the optional insurance/product through the selling dealer, XXXX XXXX XXXX XXXX, Oregon. XXXX XXXX later stated that the cancellation was processed and that a payment of {$3300.00} was issued on XX/XX/year>. XXXX XXXX also stated that the check cleared on XX/XX/year>. After I did not receive the refund or see the amount credited to my Kia Finance account, I contacted Kia Finance. Kia Finance stated that it has no record of receiving or applying the {$3300.00} payment and therefore can not refund or credit me. I then contacted XXXX XXXX again. XXXX XXXX stated that they could not help further because, according to them, the payment had already been sent and cleared. I contacted Kia Finance again, and Kia Finance also stated that they could not help because they have no record of the payment. I am now stuck between the dealer and the finance company. XXXX XXXX says the {$3300.00} was sent and cleared, while Kia Finance says it was never received or applied. As the finance company/servicer for my vehicle account, Kia Finance should open a payment research or misapplied payment investigation using the check amount, issue date, cleared date, dealer records, and any remittance information. I am requesting that Kia Finance : Open a formal payment research/misapplied payment investigation ; Search for any payment matching {$3300.00} issued on or around XX/XX/year> and cleared on or around XX/XX/year> ; Determine whether the payment was applied to the wrong account, rejected, returned, or never received ; Coordinate directly with XXXX XXXX to obtain the check number, front/back cleared check image, endorsement details, remittance information, and mailing/payment address used; Provide a written explanation of the investigation results ; and Credit or refund the {$3300.00} if the payment was received or misapplied.

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 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On XX/XX/26 at approximately XXXX XXXX, I had a verbal conversation with a Freedom Mortgage representative who explicitly offered a mid 5 percent range 30-year fixed conventional or 4.5 % 7 year ARM product refinance rate. Based entirely on this specific, concrete offer, I authorized a credit pull. The offer was immediately switched to a much higher rate/cost structure once the credit was pulled. This second call was also stated to be recorded by Freedom Mortgage for quality assurance. This is when I was then offered a 7 year arm at a rate above 5 percent-not a 30 year fixed product. This subsequent call was on the same day at XXXX XXXX. Both times I spoke with their representative named XXXX XXXX. I also have an email where he refused to send me anything in writing. I request that the CFPB require Freedom Mortgage to pull, audit, and preserve the audio recording of this specific call to verify the deceptive bait-and-switch tactics used to obtain my credit authorization.

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 2026-06-02 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Dear Executive Customer Relations Team, I am writing to you as a loyal XXXX ecosystem user to formally escalate a critical system architecture failure regarding my Apple Card. For the past six months, a backend data synchronization error between XXXX XXXX infrastructure and Goldman Sachs has left me completely locked out of my financial account, with zero resolution from standard support channels. Account Context & Issue Timeline : The Catalyst : On XX/XX/year>, my wife and I merged our individual Apple Cards into a single, co-owned account with mutual liability. The Current Status : The merged account functions perfectly on my wifes device. However, my XXXX ID has been completely bricked from accessing the account. The Error Message : Every attempt to add the card to my XXXX XXXX results in the hard stop : " Card Not Added - Contact Card Issuer. '' The Severity of the Impact : Because the card works seamlessly for my wife, Goldman Sachs has confirmed the credit line is active and in good standing. Therefore, this is exclusively an XXXX ID device-pairing and token provisioning failure. For half a year, I have been entirely unable to : 1 Add the credit card to my XXXX mobile wallet. 2 Activate a new physical XXXX card. 3 View, manage, or utilize an account for which I legally share mutual financial liability. The Breakdown of Support : I have patiently worked with both XXXX Support and Goldman Sachs for six months. I have been caught in an endless circular loop where XXXX front-line support claims it is a banking restriction, and Goldman Sachs claims it is an XXXX provisioning error. Because the account works fine on one device but not the other, it is clear that neither side 's advanced technical support has been able to clear the corrupted participant data or ghost tokens stuck in my specific XXXX financial profile. Given that I am legally responsible for this joint account, being denied technical access to it for 180 days is unacceptable. This severe backend failure requires senior data engineering intervention to manually purge the corrupted tokens tied to my XXXX ID. I request that this matter be assigned to a senior technical case manager within the executive team who has the authority to bridge the gap between XXXX 's engineering team and Goldman Sachs ' systems to manually reset my provisioning profile. Please be mindful, when this issue started in XXXX I was profusely promised by the tech support teams this issue would have a resolution within 48 hours. I have been more than patient, I now require immediate resolution. Thank you for your prompt attention to restoring access to my account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
My vehicle was declared a total loss, and the insurance company paid Exeter Finance. XXXX coverage also paid the remaining balance that was not covered by the insurance settlement. After these payments were made, Exeter Finance continued to show a balance of approximately {$190.00} on my account. I do not believe I owe this amount because the loan should have been satisfied through the insurance and XXXX payments. I contacted Exeter Finance several times to resolve this issue. During a prior conversation, I was told that the remaining amount might be waived once the insurance and XXXX payments were received and processed. However, the balance remains on my account. I recently contacted Exeter Finance again seeking an explanation for the remaining balance. I requested to speak with supervisor XXXX because of previous discussions regarding this issue. I was informed that a note would be left for XXXX to contact me, but I have not yet received a clear explanation or a complete accounting showing how the {$190.00} balance was calculated. I dispute the remaining balance and request that Exeter Finance provide a complete payoff accounting, remove any balance that is not legitimately owed, update the account to reflect Paid in Full or Closed if the loan was satisfied, cease collection efforts on the disputed amount, and correct any inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint regarding a 26-day hold placed on my Capital One credit card account after multiple payments were made and successfully withdrawn from my bank account. On XX/XX/year>, I made a payment of {$280.00} to my Capital One credit card account. The payment was successfully withdrawn from my bank account on XX/XX/year>. On XX/XX/year>, I contacted Capital One to determine why my available credit was not updating after my payment had already cleared my bank account. During my call, I spoke with a senior supervisor who advised me that a 26-day hold had been placed on my account because I made too many payments in a billing cycle. The representative acknowledged that the {$280.00} payment had been received and withdrawn from my bank account. However, despite Capital One having possession of the funds, I was unable to access the available credit associated with that payment. The representative also stated that no advance notice is typically provided when this type of hold is placed on an account and that the hold could not be removed. My concerns are as follows : The {$280.00} payment was successfully withdrawn from my bank account and received by Capital One. I was not notified before the hold was placed on my account. I did not receive any notice when the hold was applied. I was not provided with a written explanation detailing the reason for the hold. The representative initially stated he did not see a specific reason for the hold before later advising that it was due to the number of payments made during the billing cycle. I was informed that the hold would remain in place for 26 days and that there was no process available to review or remove it. As a consumer, I believe it is unreasonable for funds to be withdrawn from my bank account while the corresponding credit remains unavailable for an extended period without clear notice or explanation. If Capital One has a policy allowing such holds, consumers should be informed when the restriction is applied and provided with information regarding the basis for the decision. I respectfully request that Capital One : 1. Provide a written explanation for the hold. 2. Identify the specific provision of the cardholder agreement or policy that authorizes the hold. 3. Explain why no notice was provided before or after the restriction was placed on my account. 4. Confirm the exact date the hold will be released. 5. Review whether the hold was properly applied in my case given that the {$280.00} payment successfully cleared my bank account. Thank you for your attention to this matter. I look forward to receiving a written response and clarification regarding this account restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
This company keeps calling and leaving messages on my work phone. I keep submitting complaints and they keep responding that they dont have someone by my name and yet, here we are with another phone call and voicemail. I am attaching the voicemail record

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