vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I am filing a complaint against Ally Financial regarding my auto loan account ( Account XXXX. XXXX ). While enrolled in automatic payments, Ally Financial repeatedly withdrew unauthorized additional payments from my bank account. These withdrawals were labeled inconsistently, including auto loan and entertainment/dining, which I never authorized. Despite making payments, Ally Financial claims my account is past due. Representatives admitted payments were applied to principal without my consent, which caused improper accounting of my loan. I have requested a full payment history and transaction ledger at least five times. Ally Financial has refused to provide these records and instead sent only the contract. Additionally, customer service has been obstructive : Refusing to transfer to a manager Placing me on hold repeatedly Disconnecting calls This has caused financial harm, stress, and concern about inaccurate credit reporting. I am requesting : Full investigation of my account Complete payment history and transaction records Correction of any misapplied payments Removal of any inaccurate delinquency status Explanation of unauthorized withdrawals

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I specifically requested telephonically from a mgr to get citibank 's BACK OFFICE to investigate the XXXXXX/XX/XXXX transaction & find out the BANK NAME & ROUTING NUMBER WHERE THIS XX/XX/XXXXXXXX went to... I waited XXXXXX/XX/XXXX to spk to XXXX different mgr 's and both of them REFUSED TO PROVIDE ME THIS INFO OR GET CITIBANK TO INVESTIGATE the traceXX/XX/XXXX, the Bank Name & Routing number where thisXX/XX/XXXXXXXX went to!! XX/XX/XXXX You have completely INEPT, UNTRAINED non english speaking mgr who asked me XXXX TIMES, if I want to dispute this transaction and did I authorize it and even after I told them yes, they still refused to make this request & get me the correct info. This was done ELECTRONICALLY using my routing/check XX/XX/XXXX so you have TRANSACTION INFO ABOUT THIS SO REQUEST THIS INFORMATION IMMEDIATELY. I deposited this into a CD but I didn't get a certificate of deposit from the bank so I need this information! I recorded all of these calls w/ permission & for transparency purposes b/c I'll be posing it on the internet due to your cont XXXX mismanagement & refusal of your mgr/reps to put this request in!! XX/XX/XXXXXXXX issue : ON XXXX XXXX, I spoke to another XXXXgr & recorded THAT call as well with their permission. I WAS INFORMED THAT ON XXXX I'D RECIEVE THE PROMOTIONAL BONUS THAT WAS PROMISED ME INXX/XX/XXXX DAYS YET IT'S BEENXX/XX/XXXX DAYS, AND I STILL DON'T HAVE THIS PROMO BONUS. YET THIS MGR CONFIRMED THAT I'VE MET ALL THE TERMS/CONDITIONS OF THIS PROMOTION AND THAT I'D GET IT DEPOSITED IN MY ACCT ON XX/XX/XXXX. IT IS NOW XX/XX/XXXX AND THE BONUS PROMOS IS STILL NOT DEPOSITED IN MY ACCT. THEN I CALLED ON XXXX & THEN I WAS TOLD IT WOULD BE THERE ON XXXX .. EVERY MONTH I CALLED IT WAS FIRST, I'LL GET IN INXX/XX/XXXX DAYS, THEN IT WASXX/XX/XXXX DAYS NOW YOU ARE COMPLETELY EGREGIOUS with your blatant lies!! i want my bank bonus promo AS PROMISED NOW repeatedly!! IF THIS BONUS IS NOT IN MY ACCT IN THE NEXT XXXX BUSINESS DAYS, I'LL BE PUTTING THESE AUDIO RECORDINGS W/ CITIBANK XXXX XXXX XXXX EVERYWHERE ON THE INTERNET SO PEOPLE CAN SEE HOW INEPT, UNTRAINED your bank mgr/reps are! GOVERN YOURSELF ACCORDINGLY!!!

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 2026-04-06 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: KY

Complaint narrative:
Newrez/Shellpoint offered a loan notification to make payments more manageable and help me get caught up. Loan modification comes back and payment is higher than original payment. Loss mitigation lady say they do not lower payments just gets the loan current, ( which is not right according to their website ) she is not willing to give any other options. I asked to escalate it to her supervisor she ignored me, said she was closing my file and I told her no I do not consent to that but she has done so anyway.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: VA

Complaint narrative:
I am reporting an unauthorized transaction in the amount of {$290.00} that occurred on XX/XX/year>2026. I did not authorize this charge, and my card has remained in my possession at all times. After noticing the charge, I contacted Chime and filed a dispute on XX/XX/XXXX or XXXX. The dispute was denied. I then submitted additional disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, all of which were also denied. I provided all requested information and explained that this transaction was fraudulent. I provided a copy of a FTC report I created, my XXXX account history, a police report I submitted, and an email directly from XXXX stating that it was not made with my account. I am requesting that this matter be properly investigated for the unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: PA

Complaint narrative:
On XX/XX/2026, I called the number on the back of the gift card to find out why my gift card was not working and I was unable to check the balance on it. I spoke with someone who informed me that the card was locked because of an online purchase that was more than the amount on the card. The payment was declined by the merchant I attempted to buy from and I my card has been locked since. The person I spoke to opened up a case with their company. I was given an email to send more information to them, and I did so ( many times ). I resent the XXXX email with the information to them XXXX more times because no one would email me back and I still received nothing in reply. After the second email, the case status on their website moved from XXXX XXXX XXXX XXXX, back down to XXXX XXXX Awaiting Documents. After a while they just closed the case " due to inactivity ''. I called the number on the back of the card again, after still no response from anyone and spoke to someone about what was going on. The lady said that the company emailed me back a few weeks prior ( which means they did receive my emails with the information requested ), but I had been checking all my emails ( spam included ), looking for some kind of response from the company, and found nothing. She told me the date they supposedly emailed me and I had nothing in my inbox or spam ( which makes me think they never sent anything at all and are just saying that they did to cover for it ). I told her this, and she reopened the case and had me send the information again. I emailed the company the information they requested again on XX/XX/2026 and then I forwarded it again on XX/XX/XXXX because I STILL had not received any kind of response from the company or request for more information or even acknowledgment of receipt of my email. So, I sent another email to them on XX/XX/2026, threatening if they did not contact me back or move the case along, I would file a complaint with the CFPB. This email made the case status on their website move from # XXXX Awaiting Documents to XXXX XXXX Under Review a couple of days later, but today it is showing the status back down at XXXX XXXX Awaiting Documents, and I still have not received anything from the company about what is happening. The email they had me send information to was XXXX. The back of the card says it is issued by XXXX, XXXX, Member FDIC, pursuant to a license from XXXX XXXX XXXX XXXX is distributed and serviced by InComm Financial Services , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CA

Complaint narrative:
I asked support to provide me my payment count and eligibility for cancellation since Ive been paying for overXX/XX/XXXX years. They said to go to student aid.gov to find that info. This is such a convoluted system that it seems impossible to get the needed information. The loans started with XXXX XXXX in XXXX and was consolidated in XXXX at a total of {$47000.00} With suggested forbearance periods the loan increased to over {$78000.00} The total amount paid is as follows. Total amountXX/XX/XXXX {$150000.00} Total principal XX/XX/XXXX {$82000.00} Total interest XX/XX/XXXX {$75000.00} How is this possible? How do you end up paying XX/XX/XXXXXXXX over XX/XX/XXXXyears for a loan ofXX/XX/XXXXXXXX and still oweXX/XX/XXXXXXXX? Please help, this seems like robbery to me Looking forward to hearing from you! Be well, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation
State: PA

Complaint narrative:
I am filing this complaint due to inaccurate, inconsistent, and unverifiable information being reported on my credit file across multiple credit reporting agencies. After reviewing my credit reports from XXXX XXXX, and XXXX I identified multiple accounts that are not reporting consistently across all three agencies. This includes differences in account status, payment history, and derogatory classifications. For example, certain accounts are reported as current on XXXX bureau but derogatory or charged-off on another. This is a direct violation of 15 U.S.C. XXXX ( b ), which requires maximum possible accuracy, and 15 U.S.C. XXXX ( a ) ( XXXX ) ( XXXX ), which requires deletion of unverifiable information. The following accounts are affected : XXXX XXXX XXXX XXXX inconsistent status and payment history ) Penn Credit Corporation ( reported on some bureaus but not all ) XXXX XXXX XXXX XXXX ( inconsistent reporting and disputed status ) XXXX XXXX / XXXX XXXX XXXX conflicting late payment history ) Because these accounts are not reporting consistently, they can not be considered accurate or verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing a complaint against Capital One regarding the XXXXXXXX XXXX XXXX XXXXXXXX XXXX card ( Account ending in XXXX ). I am a multi-account Capital One customer with personal accounts in good standing, yet this business account has been handled in a way that I believe violates CFPB Circular XXXX regarding unfair rewards practices. I completed a {$10000.00} spend requirement to earn a promised {$1500.00} bonus. Immediately after meeting this milestone, the bank locked the account. Over several months, I submitted all requested identity verification documents. I also pre-paid my entire balance to {$0.00} while the account was locked to show my commitment as a responsible borrower. While I was abroad, the bank insisted on a live verification call. I provided specific time windows for these calls, but the bank failed to call during those times. Their customer service agents refused to transfer me to the relevant department when I called them, creating a technical barrier that prevented me from accessing my earned rewards. On XX/XX/XXXX, the bank closed the account for " failure to verify '' and forfeited my {$1500.00} bonus. Under Circular XXXX, it is an unfair and abusive practice for a bank to inhibit a consumer from redeeming earned rewards through technical hurdles or policies tied to actions outside the consumer 's control. Sincerely, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I sent a demand letter asking for proof of debt and asked for photos, inspection report. I will upload details of what I needed and they just sent a spreadsheet of what they claim is valid. LEGALLY they cant report this on my credit report and its been damaging my credit. It needs to be investigated and IMMEDIATELY deleted or a lawsuit will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XX/XX/XXXX Complaint Against :XX/XX/XXXX LVNV Funding LLC / Resurgent Capital Services XX/XX/XXXX Product :XX/XX/XXXXCredit Reporting / Debt Collection XX/XX/XXXX Issue :XX/XX/XXXXInaccurate Reporting / Failure to Conduct Reasonable InvestigationXX/XX/XXXXComplaint :XX/XX/XXXX I am submitting this complaint regarding LVNV Funding LLC and Resurgent Capital Services for their continued reporting of inaccurate and unverifiable information on my credit report. I previously disputed this account and requested proper validation. In response, the company provided only account summaries and billing statements, which do not establish a legally enforceable obligation or demonstrate proper ownership of the account. Despite this, the company continues to report the account as verified without providing : XX/XX/XXXXA complete chain of title demonstrating ownership of the accountXX/XX/XXXXCompetent evidence linking me to the alleged debt beyond generic statements XX/XX/XXXX Documentation supporting the accuracy of the reported balance Additionally, the company has refused to provide documentation evidencing the purchase and assignment of the account. By continuing to report this account without proper verification, the company has failed to conduct a reasonable investigation as required under the Fair Credit Reporting Act. XX/XX/XXXXRequested Resolution XX/XX/XXXX Immediate deletion of the account from all credit reporting agencies XX/XX/XXXX Cessation of all collection activity * Written confirmation of deletion I am requesting that this matter be investigated and that the company be required to comply with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AZ XXXX Date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX RE : Cease and Desist Notice Account XXXX XXXXXXXX To Whom It May Concern : This letter serves as a formal notice that I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), to demand that you CEASE AND DESIST all communication with me regarding the above-referenced alleged debt. You are hereby instructed to immediately stop all forms of contact with me, including but not limited to phone calls, emails, text messages, written correspondence, or communication through XXXX XXXX The only communications permitted are : XXXX. To confirm that further collection efforts are being terminated ; or XXXX. To notify me of specific legal remedies you intend to pursue. Additionally, I dispute this alleged debt and request full validation pursuant to 15 U.S.C. 1692g. You are required to provide proper documentation, including the name of the original creditor, the amount of the alleged debt, and verification of your authority to collect. Be advised that any continued contact beyond what is legally permitted will be documented as a violation of federal law. I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona Attorney XXXX XXXX. Your compliance with this request is expected immediately upon receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CO

Complaint narrative:
When the charge first appeared on my credit report in XXXX, I contacted XXXX XXXX and requested verification. Representatives were unable to locate any records supporting the charge or provide guidance on how to pay it. Despite this, a {$180.00} charge for a three-month period was reported without explanation. I disputed the charge with XXXX, but the dispute was denied. I contacted XXXX again and received the same response, no record of the account or supporting documentation. The account has since been sent to collections ; however, no proof has ever been provided to substantiate the amount allegedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
Upon dental consultation with XXXX, they financed through Synchrony Care Credit on XX/XX/XXXX in the amount of {$2900.00}. This was for ongoing dental treatment/services. During a period in XXXX readjustments needed to be made to my treatment. XXXX and my XXXX office ( XXXX XXXX ) went back and forth regarding the information needed for adjustments. XXXX continued to be difficult to work with to receive treatment along with poor communication to both myself and my clinic. Today XX/XX/XXXX upon looking to see my account I received a message that popped up stating XXXX has concluded it operations. I am still stuck with paying {$1700.00} of the charge from them for the services I have not 100 % received. This would be a breach of contract.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
I an XXXX XXXX woman and XXXX XXXX XXXX XXXX XXXX filing a formal report of Retaliatory Deprivation of Rights and Public Corruption. Despite confirmed eligibility for forbearance XXXX XXXX XXXX XXXX ( Consumer Liaison ) and supervisor XXXX XXXX XXXX at Oregon XXXX engaged in an intentional, bad-faith bypass of documented evidence to manufacture a fraudulent outcome. On XX/XX/year>, I served a Federal Whistleblower Notification ( Account # XXXX ) to XXXX XXXX XXXX XXXX and XXXX XXXX. Instead of a reconciliation, the company responded with a taunting, non-responsive email on Sunday, XX/XX/XXXX, outside of business hoursa calculated strike against my household security. This conduct, involving Maximus, Aidvantage, and XXXX officials, constitutes a premeditated conspiracy to deprive me of rights under XXXX XXXX XXXX violating the 14th Amendment and the Civil Rights Act of 1866. I have escalated this matter to the FBI, Governor XXXX XXXX, and Congresswoman XXXX XXXX. Immediate federal intervention is required to account for this systemic malfeasance and restore justice to my domain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America failed to support my claim for fraud on my XXXX XXXX XXXX XXXX banking card. I reported the claim in XXXX of XXXX and they credited me for the charge. I called in after getting a letter later in the fall of XXXX stating I lost the claim and I called and the bank of America representative said I won it a permanent credit and not to worry, in another month I was recharged for the same amount on my card, I called back and they said I needed a doctors second opinion and to reopen the claim and I went and made an appointment and got the opinion and an affidavit from a witness and then they said to upload it to a portal and the portal did not work, I uploaded it XXXX times and I sent it via email and I called in XXXX an they said it was processing and i called in XXXX and they said it had XXXX days to review and I called in XXXX and they said they never got my documents so i sent them via fax and through the mail asap and then they denied the claim saying it ran out of time and they cant dispute it anymore and I lost approximately {$2300.00}. The Bank of America portal for claim dispute evidence is broken and doesn't work - their employee who lied to me and because they refused to accept my documents and their portal is broken and does not work, I uploaded the documents several times and I am out the cost of missing work to go see the XXXX and the cost to see the doctor. I lost the time and the money. It is absolutely horrible treatment by Bank of America when they call you a valued customer, they do not care they are outdated dinosaur technology and I had to spend XXXX hours on the phone dealing with this XXXX, It put me in tears I was so frustrated and upset I have suffered great mental anguish because incompetent humans at bank of america do not do their job or respond to consumers who file these complaint, they simply do not respond nor do they care, I am requesting every single recording of every phone call i ever had

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