vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On or about XX/XX/XXXX XXXX I contacted XXXX to dispute a returned check fee on my account. I have been a customer since XXXX and have not had prior issues with returned payments. I currently make my payments online. The representative did not initially ask how she could assist and instead focused on my balances. I had to prompt her to ask how she could help. When I requested to cancel my account, she agreed without attempting to resolve the issue. I was also told the call was recorded, but it was disconnected before any resolution. I am requesting a review and removal of the returned check fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
On XXXX I logged into my mortgage and noticed my mortgage payment is going up. Freedom Mortgage did not do a proper escrow analysis and send it to me via via mail as required by law XXXX XXXX XXXXXXXX I told them I did not authorize it and all they did was close my case. I opened up yet another case clarifying I did not authorize the amount when they did provide a PDF which did not explain how they did their analysis and I've never been notified of any payment increases. All I have is reason to believe that they're stealing money from me. Which aligns to all of their scam calls to me trying to sell me services. I never bought my loan through them, they bought it up.

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 2026-05-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
Im being over charged for a XXXX $ loan Ive paid them over XXXX $ and there want me to pay XXXX $ more plus interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have never missed a payment on my Best Buy account. The creditor closed my account due to a score drop and retroactively charged interest on balances already paid. This has doubled my debt and made it impossible to pay off the principal. They are also charging another monthly fee on top of the monthly fee I am paying and the balance has not bugged in the past year in a half since it was closed by the company. When this happened I owed {$1500.00} and it went to {$3000.00}. I have remained paying this account at {$100.00} a month and they are charging me another {$100.00} fee a month and the total has not bugged in years. I have called several times and no one will talk to me due to the account being closed which they closed.

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 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am a victim of identity theft. There are 2 account on my XXXX credit report that are not my accounts, I have never opened these accounts, and I did not authorize anyone to open these accounts. Here are the fraudulent accounts : # 1 XXXX XXXX Account number XXXX. Date opened- XX/XX/XXXX Status -Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. # 2 JEFFERSON CAPITAL SYSTEMS Account number XXXX Date opened XX/XX/XXXX Status - Collection account. {$930.00} past due as of XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I received the following offer to upgrade my credit card from AMEX, XXXX miles and {$250.00} statement credit, with this offer I had to spend XXXX dollars in 3 months. I met my obligation. AMEX denies sending me this offer despite the fact I have sent them a copy of it. I have filed 4 claims, each one has been dismissed. I'm told the following, We are not responsible for our marketing department, and we made you no offer, and our records indicate no offer. I then went to my terms of agreement and sent a notice of claim ' and I also sent a registered letter asking for mediation per the terms of my account. I filed a complaint with XXXX, once again per the terms. I get no where. I get the response we offered nothing. I have provided the snapshot picture of the email I received 3 times still nothing. They're not following their own terms of agreement, I just cut off. I was made an offer, If I hadn't I would not have upgraded my card. The fact that a company can disregard this is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TOWNEBANK
State: VA

Complaint narrative:
They XXXX against my lil XXXX deposit an said they would waive the XXXX fee but lied an didnt waive it and the teller went into my personal mail with atm card and took my atm card numbers to give me my open mail with my card detached from the paper. I talk to the branch manager she said she dont care because nothing was stolen. But she have my atm card number they keep harassing me by phone an refuse to give me my privacy with this account an they never cash my checks from bank annum an Im a member but they will do it at one bank where I know someone. Thats discrimination an intrude in my account. The manager lie about her service n benefits to wave the fee now my fee is taken away when they fee was waived before they doing what they want to do. She says she own the bank me. Dodge my called not to communicate.

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 2026-05-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
I am filing a complaint regarding a fraudulent account reference number XXXX that does not belong to me. This account was previously investigated and removed in my favor. I also filed a police report for identity theft. Despite this, the same account has been re-reported and sent to collections again without any new evidence. The company has failed to provide any signed contract or proof that I opened or authorized this account. Re-reporting a previously resolved fraudulent account is improper and may violate the Fair Credit Reporting Act ( FCRA ). I am requesting immediate removal of this account from all credit reports and recall from collections, including Waypoint Resource Group.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally escalate an unresolved issue regarding a bill payment processed through Regions Banks online bill pay service. On XX/XX/year>, I scheduled a payment in the amount of {$250.00} to XXXX XXXX XXXX for a loan obligation. The check was issued and subsequently cashed ; however, the endorsement on the back of the check reads For Deposit Only XXXX, not XXXX XXXX XXXX. This indicates that the payment was not properly delivered to or processed by the intended recipient. After six weeks, multiple calls, and seven branch visits, the issue remains unresolved. I am requesting immediate provisional reimbursement of funds while they continue their own investigation.

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 2026-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Heres a clear, professional dispute description you can submit to the Consumer Financial Protection Bureau : Dispute Description : On XX/XX/year>, I deposited a check in the amount of {$400.00} into my Wells Fargo account. At the time of deposit, I was informed that the funds would be held and made available on XX/XX/year>. On XX/XX/year>, I received confirmation from the issuing bank that the check had fully cleared the account from which it was drawn. Based on this information, I reasonably expected the funds to be released by Wells Fargo on XX/XX/XXXX as originally stated. However, as of XX/XX/year>, the funds have still not been made available. I contacted Wells Fargo to inquire about the delay and was informed that the check was being reprocessed or re-verified. I was not given prior notice that the availability date had been extended beyond XX/XX/XXXX, nor was I provided with a clear explanation for the additional hold. This lack of communication and the unilateral extension of the hold period is unacceptable. I relied on the original availability date provided by the bank. Additionally, I have independent confirmation that the funds have already cleared the issuing institution, yet Wells Fargo continues to restrict access to my money. I am requesting the immediate release of the {$400.00}, as well as a clear explanation for why the hold was extended without notice. I would also like to understand what documentation, if any, is required from me to resolve this matter, given that the funds have already cleared. This situation raises serious concerns about Wells Fargos funds availability practices, transparency, and fairness. I am seeking prompt resolution.

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 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/year>, I received a telephone call from an individual who presented themselves as a representative of Navy Federal Credit Union. The caller ID displayed the same number listed on the reverse side of my debit card, which reinforced my belief that the communication was authentic and with an authorized Navy Federal employee. During the conversation, the caller informed me that my account had been subject to unauthorized access and indicated potentially fraudulent activity. I was instructed to transfer my funds to a different account as a precautionary measure against further fraudulent transactions. When I requested information regarding the recipient, I was advised that the funds would be transferred to an account managed by an account manager. Given that the phone number matched the one associated with my debit card, I trusted these instructions and complied, not realizing the process was fraudulent. At no time did I suspect any misconduct, as the call originated from a legitimate Navy Federal contact number. My actions were based solely on the assumption that guidance was being provided by a credible Navy Federal representative. As a retired veteran, I am unable to absorb a financial loss, particularly one amounting to {$3000.00}. I was neither involved in nor aware of any fraudulent activity, and acted in good faith, relying exclusively on the information provided during the call. I respectfully request reconsideration of the investigation decision, given my genuine belief that instructions were delivered by an authorized Navy Federal representative.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
My mortgage account includes an escrow account for the payment of property taxes. However, I have recently discovered that my property taxes have not been paid since approximately XX/XX/XXXX, despite funds being collected and held in escrow for this purpose. I have made multiple attempts ( XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX, XXXX, XXXX, XX/XX/XXXX @ XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX ) to resolve this issue by phone, but the matter remains unresolved. They continue to give me excuses of it was shipped, it was not shipped, we are waiting on the first check to be refunded, there was a shipping delay to now, it is in processing. This failure places me at risk of penalties, interest, and potential tax lien or tax sale proceedings, which is unacceptable and a serious servicing error. No one is taking accountability to get my taxes paid and now my home faces a tax lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I sent a certified itemized bill request to XXXX XXXX agency it is now XX/XX/XXXX and I still haven't go approved response I have call the hospital and the said the account number didn't exist so I disputed the collection for the seventh with proof of the certified request on experian and the still continue to update a made up collection the only thing they are providing is my personal information that i a gave to scams by mistake. THIS Is on Experian not XXXX XXXX agency.

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 2026-05-01 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: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/XXXX I sold my personal XXXX XXXX XXXX through XXXX, a verified electronics marketplace. The buyer paid {$1100.00} via PayPal ( XXXX ID : XXXX ). PayPal flagged my account for review and I immediately complied, submitting photo ID, proof of purchase, XXXX sale invoice, and full transaction details. On XX/XX/XXXX PayPal permanently limited my account with no specific reason given. My appeal ( XXXX ) was denied. PayPal is now holding {$960.00} of my funds for 120 days. I have been a PayPal member since XXXX with no prior issues, no chargebacks, and no disputes. This was a one-time personal sale, not a business transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Westlake Services, LLC
State: AR

Complaint narrative:
On XX/XX/year>, I wrote Westlake Financial about a charged off account on my record. I disputed the account due to vehicle being in the shop for over a year. I was offered a buy back for the vehicle from company due to a program the manufacturer had in place but I would have been without a vehicle. After several more months I asked for a new buyout offer and was rejected. My vehicle was never repaired after XXXX year and XXXX months. I believe the repossession and tarnishing of my credit is illegal due to vehicle having warranty work done during repossession. I've asked for several documents from Westlake Financial and they have denied me the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
Through Lowes I signed up for promotions where they defer interest. Then I also made purchases where interest would be charged. Lowes is stating I changed my settings on my account to pay the promotional balances before I paid the balances where 30 % interest is being charged. I do not recall changing this setting. This happened to me a few years ago with Lowes and they said I signed up to allocate payments this way. They changed that setting for me to pay anything I am being charged interest on first then promotional balances second.

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 2026-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: NE

Complaint narrative:
The law states my bill must be over {$500.00} and they listed my bills for me and confirmed there was no bill over {$500.00} which is the letter of the law to report. Medical debt. This amount should not be on my report as it does not meet the letter of the law requirements for medical debt credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Approved for zero interest under SCRA. I am locked in a short term payment plan. I am being held to the same interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: OH

Complaint narrative:
I made XXXX payments on the XXXX website on XX/XX/2026 and XX/XX/2026 via the links Transfer & Pay -> Pay U.S. Bank XXXX XXXX While funds came out of my checking accounts, instead of them going to pay off my credit card balance, the payments were sent to a company called XXXX XXXX XXXX. I never authorized, initiated, benefitted from, nor had any knowledge of any payment being sent to XXXX XXXX XXXX. There wasn't even an option for me to change where the payments could even go. On the usbank.com website, I literally just clicked on Transfer & Pay -> Pay U.S. Bank Accounts -- XXXX Selected my US Bank credit card account -- XXXX Selected source of payment ( my US Bank checking account ). There wasn't an option to change who/where to send payment to. Only option I had to pay to was my US Bank credit card account. After spending over a XXXX hours talking to different customer service reps, providing them all the relevant information, US Bank is claiming that I never initiated the XXXX payments to pay off my credit card account on the usbank.com website. Instead they are claiming that the payments to XXXX XXXX XXXX were initiated by XXXXXXXX XXXX. If that is the case, then who authorized/ initiated those payments as it wasn't me. If you are claiming that I authorized those payments, then please provide proof showing my authorizing/ initiating those.

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 2026-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: FL

Complaint narrative:
have been attempting to obtain a payoff statement from my mortgage servicer, Selene Finance, for the purpose of refinancing my loan. My initial request was made approximately XXXX days ago, and since then I have made multiple follow-up callstypically twice per dayto request the payoff. Despite my repeated efforts, I have not received the requested payoff statement. Each time I contact the company, I am told that the request has been escalated, but no action has been taken and no timeline is provided. I have not been given any valid explanation for the delay. This lack of response is now putting my refinance transaction at risk, and I may lose my loan opportunity due to the companys failure to provide a timely payoff statement. I have made every reasonable effort to resolve this directly with the servicer, but they have failed to act.

Company response to consumer: Closed with explanation