vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
My home was built brand new, my mortgage company was Freedom Mortgage, and I took posession around XX/XX/XXXX. I refinanced with Freedom Mortgage around XX/XX/XXXX, soon after I recieved a letter in the mail urging me to hurry, hurry, your warranty is running out. This is my fault because I misinterpreted the letter, but the way it was worded and urgency, time running out, I thought I missed something on my refinance. The letter urged me to sign up for a XXXX XXXX for about {$4000.00} to cover any appliances that broke down during the next 3 years. I called and signed up, about XXXX hours later I felt totally scammed by Freedom Mortgage, more than {$4000.00} worth of appliances would have to fail within 3 years in order for the warranty to be valuable ; all my appliances are brand new so the odds of that is less than 1 %, I felt scammed by Freedom Mortgage, so XXXX hours later on the same day I called up, cancelled the Warranty, and requested the {$490.00} down payment be refunded, I was told the Warranty was cancelled and a check would be mailed within 10 days. A check was not sent. Due to feeling excessively scammed by Freedom Mortgage I called 10 days later, requested an update on the refund, I was told a check would be sent within 10 days of the first request, a check was never sent. XXXX days after I signed up no refund check was received so I filed a complaint with the XXXX, Freedom Mortgage chose to not respond to the XXXX, and I feel scammed by Freedom Mortgage again. Would an honest company XXXX ) agree to refunding {$490.00} then decline to do so, XXXX ) a second time agree to refund my money then decline to do so, XXXX ) disregard a XXXX complaint that pointed out all this information and pointed that they acknowledged repeatedy that I successfully canceled the Warranty : XXXX ) the XXXX phone call I made on the same day I signed up, XXXX ) the phone call I made about 10 days later, XXXX XXXX Freedom Mortgage had audio recorded both phone calls, XXXX ) and the fact Freedom Mortgage did not make any subsequent withdraw for Warranty payment. Under these circumstances I feel scammed by Freedom Mortgage, if I owed them {$0.00} they would charged me a penalty + late fees, so not only do they have XXXX sets of rules : XXXX for them and another for me, and they also are stonewalling me and have have intentionally shutdown communication in writing, is this part of the business plan? Force customers to call them so the customer has no proof when they prove their word of XXXX employees is no good, enabling they to hang their customer out to dry? How can I not feel scammed by Freedom Mortgage, please somebody tell me.

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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I took out a personal loan with XXXX XXXX not getting full info on interest rate I had a high credit card I needed to pay off because I had medical issue for my XXXX daughter that lives with me and I pay all her expenses because she can't work .. I've been paying XXXX XXXX for over a year and amount stays the same my work keeps cutting my hours and im XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is 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 explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: OH

Complaint narrative:
I requested a money order refund on XX/XX/XXXX for a {$1000.00} money order ( Number : XXXX ) purchased at XXXX on XX/XX/XXXX. On XX/XX/XXXX, I provided clear photos of the front and back of the physical money order under primary case number XXXX then i called back numerous times after this to be given a run around. Western Union has continually provided false 24-hour resolution promises and generated multiple conflicting case tracks that trapped my funds. Since XX/XX/XXXX, I have repeatedly contacted customer support, the fraud department, and corporate offices, only to be given a constant runaround by frontline staff and multiple managers who claimed the issue was resolved when no action had been taken. Most recently, on XX/XX/XXXX, an escalation manager named XXXX acknowledged the internal system gridlock. He had to manually route the issue to the internal sales team to change the status to a " sold money order '' to force a refund, creating escalation tickets XXXX and XXXX with a promise of a 24-48 hour resolution. Western Union has improperly withheld my {$1000.00} for over three weeks. Because of this severe delay, my landlord has served me with an eviction notice and our formal court date is set for XX/XX/XXXX. I am facing an immediate housing crisis due to Western Union 's corporate negligence and require immediate executive intervention to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capio Partners, LLC
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
On XX/XX/year> I received my first collections mail from Aargon Agency. I immediately called, emailed, and sent certified mail to the agency including their incorrect amount, and my issues with the originating provider 's calculation of services. While Aargon updated the amount to reflect what I had paid, they refused to acknowledge my active dispute. In my most recent phone call with them, they said " they'll look into the dispute and call back. '' That was in XX/XX/year>. They have not done so, and have not stopped mailing or calling me. They refuse to answer my questions about the dispute and refuse to ensure that it is in disputed status, given the evidence I provided.

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 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I am a victim of identity theft exposed in the XXXX XXXXXXXX. There is fraudulent accounts, and other information reporting on my credit due to this affect. Please remove this fraudulent accounts in XXXX business days per fcra laws 606b, 1681s-2. I sent in identity theft documentation to this company. This has hindering my ability to obtain credit and get housing.

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 2026-05-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX who XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I am filing this complaint against Chase for a gross failure to protect a servicemember from blatant merchant fraud and business collapse involving a charge of {$3500.00} on my card ending in XXXX. In XX/XX/year>, I contracted " XXXX XXXX XXXX XXXX XXXX XXXX '' ( XXXX XXXX, NC ) for a specialized {$3500.00} aggression training program for my dog, XXXX. On XX/XX/year>, the facility was heavily raided by the XXXX XXXX Police Department. The owner, XXXX XXXX, was XXXX XXXX XXXX charges and remains XXXX without bond. Following this raid, the business completely collapsed, shuttered its doors, and is permanently closed. Chases Executive Office denied my dispute, claiming I failed to attend the final XXXX weeks of " co-training '' with the merchant and told me to " work with the merchant to obtain a credit. '' This response is physically and legally impossible. The business does not exist anymore. The owner is in XXXX There is no merchant to work with. Furthermore, the business was structurally unable to perform the contract safely or legally after the police raid, which put my animal 's safety at risk and forced an early emergency retrieval. Before shipping out to XXXX, where I had XXXX phone or internet access, I explicitly warned Chase of my XXXX timeline and was assured my spouse could handle this. Chase instead allowed a defunct, fraudulent business run by an XXXX individual to win a default judgment against a XXXX XXXX. Chase is failing to recognize " Merchant Inability to Perform '' and " Services Not Rendered. '' Because the merchant is legally out of business and the owner is XXXX, Chase can not recover funds from them, yet they are forcing an XXXX XXXX family to absorb a {$3500.00} loss for a totally failed contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
There was a major problem with the budgeting for the renovation loan for the purchase of my first home. After trying to change the overall plan to stay within the budget i have been trying to get continue involvment of the lender and my XXXX to get guidance and approval for anything. The lender is very inconsistent with communication. I am waiting over a month from a XXXX email and I have called left voicemails and emailed multiple times. If i they actually answer the phone i get a responses as if they never heard about the issue im trying to resolve or that i was waiting for a response. It has been only XXXX agent ive been dealing with since XX/XX/year>. Delays in anything communication, etc. delay any project deadlines its a terrifiying scenrio.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: Chime Financial Inc
State: LA

Complaint narrative:
An online Sweepstakes Casino unlawfully & illegally allowed me to open an account & purchase {$16000.00} * * in transactions from XX/XX/XXXX XXXX XXXX XXXX while knowing that out of the 50 US STATES I currently & have always lived in Louisiana, which is 1 of only 8-9 US states to have completely banned & prohibited ANY & ALL Sweepstakes casinos from operating or accepting any deposits/purchases online. I have filed a complaint with the Federal Trade Commission, the Louisiana Attorneys General Office, & the Consumer Protection Bureau Dept. I have contacted my bank ( Chime/ XXXX XXXX XXXX ) to dispute these transactions that are all within this 3 month timeframe. But, Chime HAS NEVER approved a dispute since initially banking with them since XXXX. They rarely approve disputes involving any online purchases. The circumstances involving these charges/transactions are extremely serious & require immediate attention & the correct & just resolution. The merchants/online operator of this sweeps casino is XXXX XXXX XXXX. I have emailed them a total of 13x today when this all was made aware to me that they are operating & accepting purchases from consumers living in strictly PROHIBITED, BANNED, & ILLEGAL states. Also, in the XXXX XXXX XXXX Terms Policies Conditions Rules they clearly STATE at the very top & throughout its guidelines that Louisiana is among the 8 Banned & Prohibited States to Use their Services. Yet, bc they saw the $ $ I purchased coins with & kept losing on their site, they continued to allow this illegal act. I require assistance in resolution in getting ALL OF MY FUNDS REFUNDED & RETURNED TO MY CHIME BANK ACCOUNT that was used wrongfully & illegally. I am awaiting a response from this merchant ( XXXX XXXX ) to see if they will refund these charges due to them being allowed to be VOIDED bc of their restrictions that they did not even abide by. They are operating illegal gambling practices & services to consumers in banned US states & when confronted to refund these transactions, they have still not responded with any response or any urgency whatsoever. It's approximately {$16000.00} in charges. I will ONLY accept a FULL REFUND.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am filing a complaint against Citibank regarding a misleading representation and failure to honor promotional terms communicated during the credit card application and activation process. At the beginning of XX/XX/2026, I received a promotional offer by mail from Citibank for this credit card, which included a bonus of XXXX miles after spending {$4000.00} within the first 4 months of account use. When the credit card arrived, I called Citibank on XX/XX/2026, before activating the card, to confirm whether the annual fee would be charged or waived. During this call, a Citibank representative informed me that the annual fee was waived for the first year, and that I would not be charged the annual fee if I proceeded with activation. Based on this confirmation, I activated and began using the credit card. After activation, I was later charged the annual fee despite the prior confirmation that it would be waived for the first year. I contacted Citibank customer service to dispute the charge. During my first interaction, I requested the recording of the XX/XX/XXXX call in which the annual fee waiver was confirmed. I was told it would be reviewed or provided, but I never received the recording or any follow-up. I also contacted Citibank via chat support. In that interaction, I was informed that : XXXX. No resolution would be provided for my issue XXXX. I would not be given a case or reference number XXXX. I would not be provided with the name or identification of the supervisor or representative involved Despite multiple attempts to resolve the issue and obtain proper documentation, Citibank has not provided meaningful assistance, escalation, or transparency. I relied on the verbal confirmation from Citibank before activating the account. The annual fee charge contradicts the representation made to me prior to activation. I am requesting that Citibank : Review the XX/XX/XXXX sales/activation call recording where the annual fee waiver was confirmed Honor the representation that the annual fee was waived for the first year Reverse the annual fee charge applied to my account Provide written confirmation of the investigation and resolution I am submitting this complaint because I have been unable to resolve the issue directly with Citibank despite multiple attempts through phone and chat support.

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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunbit, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I opened XXXX XXXX XXXX XXXX. XXXX with XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) via Sunbit for an Amount Financed of {$3600.00} at a 27.99 % XXXX. This loan was approved for the strict purpose of financing a specific dental treatment plan for fillings with the merchant, XXXX XXXX XXXX XXXX. Ultimately, no fillings were ever performed, resulting in a total failure of services. I immediately contacted the merchant to cancel the loan. Instead of voiding the balance to {$0.00}, the merchant unilaterally adjusted the loan to a remaining balance of {$200.00} to cover standard office exams and X-rays that were not covered by my insurance. I never gave consent or authorization to finance these basic office fees through a Sunbit installment loan. Under the explicit " Multiple Disbursal Loan '' provision of my signed contract, if the financed products or services are not delivered, the merchant and consumer must make " alternative arrangements to pay ''. The merchant is not legally permitted to hijack or rewrite the existing credit structure to force-collect an office bill without consumer authorization. I have emailed the dental office twice confirming that this loan modification is unauthorized. I explicitly offered to pay their {$200.00} office fee directly via my regular debit card on the condition that the unauthorized loan is fully voided to a {$0.00} balance. The merchant has completely ignored my emails, refused to put a denial in writing, and is attempting to use the installment platform to force-collect standard fees under a high-interest plan without my consent. Sunbit 's customer support has refused to handle this as an unauthorized credit transaction, sending automated emails from their cases department telling me to resolve it directly with the merchant. A regular payment of {$120.00} is automatically scheduled to draft from my debit card ending in XXXX on XX/XX/year>. Pursuant to the " Revoking this Payment Authorization '' section of the contract, I have explicitly called Sunbit to revoke my auto-pay authorization for this upcoming draft on a recorded line. I am asking the CFPB to compel XXXX XXXX and Sunbit to fully void and cancel this unauthorized loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I was offered a settlement, paid the settlement, asking for updated payment letter. They will not send the letter by email or mail. I had Previously conversations with XXXX and XXXX and XXXX says hes going to send, XXXX continue to apologize and says she has no control over the document not being emailed. Its being negatively reported on my credit report, credit score decreased, incorrect balance of XXXX and XXXX is showing as balance that I owe. But I only owe XXXX in total.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is 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 2026-05-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
The affiliated company failed to provide any of the promised services ; consequently, this business arrangement appears to have been a scam from the very beginning. Upon reviewing my credit report, I discovered that this company is reporting on me, despite the fact that I never utilized any of their services. I require this entry to be removed immediately, as it is preventing me from obtaining business credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I discovered this collection amout while reviewing my credit report. The amount is listed under IC Systems for an alleged debt related to XXXX XXXX in the amount of {$290.00}. After noticing this record, I spoke to the XXXX, and the representative suggested that I file a fraud report regarding this matter in order to dispute on XXXX. I also contacted IC Systems directly to verify the amount information. However, the representative from IC Systems informed me that they could not find any record associated with my information or this amount. At this time, I do not recognize this debt and I'm concerned that this information XXXX be inaccurate or fraudulent. I'm requesting a full investigiation into this collection amount and asking that the amount be removed fron my credit report if it can not be properly verified. 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