vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN

Complaint narrative:
Urgent Complaint Mortgage Servicing Errors, Misapplied Payments, and Imminent Foreclosure ( Carrington Mortgage Services ) I am submitting this complaint regarding ongoing and severe servicing failures by Carrington Mortgage Services that have directly resulted in my loan being pushed into foreclosure, despite my consistent efforts to remain current. Key Facts : Property owned since XXXX ( purchase price : {$150000.00} ) Despite years of payments, current balance remains approximately {$150000.00} Foreclosure sale scheduled : XX/XX/XXXX 2026 Summary of Issues : Payment Processing Failures Online payment system has been unreliable or inaccessible, especially after a single late payment Cashiers checks were sent and confirmed delivered but were never applied to my account Multiple payments during a loan modification trial period were not credited Fee Accumulation Without Justification Late fees and penalties were added despite my attempts to make timely payments Fees continued to accumulate while payments were not being properly processed Loan Modification Mismanagement I have completed multiple loan modification processes, including notarizing over XXXX documents Documents were rejected for minor technicalities ( e.g., missing middle initial ) On at least XXXX occasion, documents were reported as not received despite confirmed delivery Lack of Communication and Misleading Information I was repeatedly told by Carrington representatives that everything is fine Written notices often arrived too late to take corrective action I was not clearly informed of foreclosure status in a timely manner Servicing System Barriers Payment portal becomes inaccessible once a payment is late, preventing resolution No consistent or reliable method provided to bring the loan current Impact : These failures have caused severe financial harm, emotional distress, and have now placed me at risk of losing my home of XX/XX/XXXX years. I have made every reasonable effort to pay my mortgage, but Carringtons servicing practices have made it impossible to remain in good standing. I am prepared to provide supporting documentation, including proof of payments, tracking confirmations, and correspondence. This situation requires urgent review and intervention. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Stenger & Stenger, P.C
State: MN

Complaint narrative:
On XX/XX/XXXX. I sent Stenger and Stenger P.C. a cease-and-desist letter stating that I am only to get documents sent to my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I notified them that I do not live at XXXX XXXX XXXX XXXX XXXX XXXX. Then on XX/XX/XXXX, they sent documents to my old address again which the people living at that old address saw my private information which Stenger and Stenger P.C. intentionally sent to my old address that i have not lived at in years and i told them in the cease and desist letter that that address was not valid and they chose to send it anyways. which under the FDCPA violates the cease-and-desist order and also my privacy rights. I have attached documents showing precisely what they did intentionally, so I won't receive documents on time, so I violate timelines. this is an illegal practice that they do. this is a clear violation of the cease-and-desist order and also my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I am already deep in debt from real bills and behind on my rent Additional information provided by consumer : XXXX Please update company name : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/year> i received an email that my account which was recently opened on XX/XX/year> at chase bank was closed due to " potential fraud '' and " recent activity ''. i called the bank immediately to ascertain what the issue was and i was given no reason why. I have never and never intended to commit any fraud. i asked for information on what the closure or potential fraud was and the bank was unable to provide any exact information as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Bank representative falsely accused me of stealing from my joint account on or about XX/XX/2026 Statement was made to a third party ( my grandmother ) Caused emotional XXXX and reputational harm Requesting investigation and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Not removing account when I reached out several times

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 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MoneyLion Inc.
State: HI

Complaint narrative:
This is a formal notice of dispute, request for reinvestigation, and notice of intent to pursue legal remedies under federal law. The following accounts remain inaccurately reported : MoneyLion Inc Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Despite prior disputes, these accounts continue to report ongoing monthly charge-offs and/or inaccurate balances. LEGAL BASIS : Under the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) : Maximum possible accuracy required 15 U.S.C. 1681i ( a ) : to conduct a reasonable investigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : to disclose method of verification XXXX XXXX XXXX XXXX XXXXXXXX, the court held that credit reporting agencies must go beyond superficial verification and conduct a reasonable investigation. In XXXX v. XXXX XXXX XXXX XXXX, the court confirmed that merely parroting information from furnishers without independent investigation is insufficient under 1681i. Your continued reporting of these accounts without providing documentation or method of verification indicates a failure to comply with these legal standards. ADDITIONAL VIOLATIONS : 15 U.S.C. 1681s-2 : Furnishing inaccurate information 15 U.S.C. 1692e : False or misleading representations 15 U.S.C. 1692g : Failure to validate disputed debt 15 U.S.C. 1666 and 12 CFR 1026.13 : Failure to investigate billing disputes DEMAND : I am requesting : Full documentation verifying each account Method of verification used Confirmation of Date of First Delinquency Immediate deletion of any unverifiable accounts NOTICE OF INTENT : Failure to comply will be documented as willful noncompliance under 15 U.S.C. 1681n and 1692k. I am prepared to pursue legal remedies, including statutory, actual, and punitive damages. They knew or recklessly ignored the law : {$100.00} {$1000.00} per violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I disputed a {$99.00} PayPal transaction as unauthorized. PayPal investigated the matter and confirmed in writing that my unauthorized account use claim was accepted, that the transaction was unauthorized, and that I was refunded in full. XXXX ID XXXX Despite this written determination, PayPal continues to show a {$99.00} negative balance on my account for the same transaction. Since then, PayPal has repeatedly sent me notices stating that my account remains negative and threatening to send the account to collections if I do not pay the {$99.00} balance. I have also contacted PayPal multiple times, including through customer service and [ XXXX ] ( XXXX XXXX XXXX ), to request correction of the account balance and confirmation that I do not owe this amount. Instead of correcting the issue, PayPal has either : 1. repeated the original message confirming the unauthorized claim was accepted, or 2. sent generic responses instructing me to pay the negative balance. This is contradictory. PayPal has already determined that the transaction was unauthorized and refunded it, yet PayPal continues attempting to collect the same amount. I am requesting that PayPal : * remove the {$99.00} negative balance, * confirm in writing that my account is in good standing, * confirm that this matter will not be sent to collections or reported, * and correct its internal records so the account reflects the resolved unauthorized transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I received a credit card at my home address from Wells Fargo XXXX XXXX on XX/XX/year>. I did not apply for the card. I contacted Wells Fargo Bank, as well as all 3 credit bureaus to closed the account & remove the hard inquire from my credit report. The account was open on XX/XX/year>. The hard inquire & the Wells Fargo credit card still appears on my credit report, I would like it removed please

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 2026-03-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I got my income taxes in 2022 in I went shopping at the mall XXXX money Lion closed my prepaid card locked my card in said it was suspicious activities so I called XXXX I did get it unlocked but the same day they unlocked it I took money out in they locked it back in I was told I can't use my account anymore XXXX to wait XXXX to XXXX years to get my money back I tried everything I sent my picture id card my bank statement my tax forms that the money came from XXXX my paystubs because I got paid that week in I received a letter saying that it didn't match witch makes no sense can y'all please help they have took XXXX dollars from my account XXXX locked it I need my money I have kids ty XXXX

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 2026-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am filing this complaint against XXXX for continuing to report inaccurate and derogatory information on my credit report regarding a XXXX XXXX account. The account has been paid in full and closed. The final payment was made on XX/XX/XXXX, and the furnisher XXXX XXXX XXXX ) has confirmed that the account is closed as paid with no missed or late payments. I have never had a late payment on this account. Despite this, XXXX is reporting this account as 30 days past due with a delinquency in XX/XX/XXXX. This information is false and is not supported by the furnisher. I have disputed this account, and XXXX responded that the information was verified as accurate. However, this directly contradicts the documentation provided by XXXX XXXX. This indicates that XXXX failed to conduct a reasonable investigation as required under 15 U.S.C. 1681i and failed to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ). Additionally, XXXX XXXX confirmed they contacted XXXX on XX/XX/XXXX to update this account, yet XXXX has failed to correct or update the inaccurate reporting. This ongoing inaccuracy is causing significant financial and XXXX harm. It is negatively impacting my mortgage qualification and has created ongoing XXXX and hardship due to the risk of losing housing opportunities. At this point, XXXX continued reporting of false information appears to be negligent or willful noncompliance with the Fair Credit Reporting Act. If this matter is not corrected immediately, I am prepared to pursue arbitration and legal action to recover damages for the harm caused. I am requesting the following : 1. Immediate deletion or correction of the inaccurate late payment and delinquency 2. Written confirmation of the method of verification used 3. The name and contact information of the entity that verified this account 4. The exact date XXXX last verified this account This matter is urgent and must be resolved without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AK

Complaint narrative:
I ordered some clothing items from XXXX on XX/XX/XXXX for {$33.00}. I never received those items, and started a dispute with Cash App on XX/XX/XXXX. They did their research and contacted the company, and then emailed me to notify me that the I had won the dispute and the funds would be deposited back in my account on XX/XX/XXXX. However I never received that deposit. I contacted Cash App today XX/XX/XXXX and XXXX other day a week or XXXX ago. On both days, the customer support informed me that according to their records that claim had been resolved and the funds were returned to me. At which point I told them that was untrue. I never got the money back. They were unable to provide proof for me showing the deposit to my account when I asked, and just said thats all they could do because the transactions shows completed so it must be. Or their other explanation was that I used funds from my account that day, and I must have spent the money without knowing. But there would still be somewhere that shows the deposit entering my account. There isnt, and basically they said there was nothing more they could do to help me. I dont understand how they can complete it on their end if it was never actually completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
I am submitting this complaint against Shellpoint Mortgage Servicing for failure to comply with federal mortgage servicing laws, specifically regarding access to loan information as a successor in interest and their failure to respond to multiple written requests. I am the current owner of the property associated with this mortgage loan, as my name is listed on the deed. I have been attempting to obtain information regarding the loan and to be recognized with access to loan-related information. Shellpoint representatives informed me that I must provide a written authorization from the borrower, XXXX XXXX, granting me access to the loan information. In good faith, I complied with this request. I submitted the required written authorization three ( 3 ) separate times to the following Shellpoint email addresses : XXXX XXXX Despite these repeated submissions, Shellpoint has failed to acknowledge receipt, respond, or process my request in any way.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Westlake Financial Services obstruction of a total loss insurance claim and the improper assessment of repossession and storage-related charges that are not attributable to me as the borrower. The vehicle ( XXXX XXXX XXXX ) was involved in an accident and declared a total loss. The insurance claim was opened and Westlake was notified on XX/XX/XXXX. On XX/XX/XXXX, XXXX issued a payoff statement, confirming their knowledge of the total loss and expectation of insurance payment. I authorized the release of the vehicle to the insurance company ( XXXX ). However, the vehicle was removed and placed in storage without proper coordination with the insurer. I have not had possession of the vehicle since the accident. The storage facility required lienholder authorization from Westlake in order for XXXX to inspect the vehicle and proceed with payment. Westlake refused to provide this authorization unless I personally paid disputed charges, including alleged repossession and storage fees. As a direct result of Westlakes refusal : - XXXX was unable to complete the inspection - The total loss claim could not be processed and was ultimately closed - Storage and related charges continued to accrue unnecessarily This matter does not involve a valid repossession. The vehicle was part of an active insurance claim, and I did not abandon or retain possession of the vehicle. Westlake had full knowledge of the total loss and failed to coordinate appropriately. Westlake has assessed over {$4000.00} in charges labeled as repossession and related fees. These charges are improper because they resulted from Westlakes failure to cooperate with the insurer and their refusal to authorize the release required to process the claim. I made multiple documented attempts to resolve this matter, including written communications and certified mail, requesting lienholder authorization, coordination with XXXX, and clarification of charges. Westlake failed to provide the requested information or take corrective action. I am requesting : 1. Immediate removal of all improper repossession, storage, and related charges 2. Immediate issuance of lienholder authorization to XXXX XXXX. Reopening and completion of the total loss insurance claim 4. Correction of any negative credit reporting related to this matter 5. Written confirmation of resolution Westlakes actions have caused avoidable financial harm and represent improper servicing and failure to act in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint against JPMorgan Chase regarding unauthorized debit card transactions on my account ending in XXXX. Between XX/XX/2026 and XX/XX/2026, multiple transactions occurred at XXXX ( XXXX, TX ) and XXXX XXXXXXXX XXXX XXXX ( XXXX, TX ), totaling approximately {$580.00}. I did NOT authorize these transactions, was not present at these locations for these charges, and did not benefit from them in any way. I reported the unauthorized activity to Chase on XX/XX/2026, and a claim was opened. Chase initially issued provisional credits but later denied my claim and stated that the transactions were authorized. Chase has not provided sufficient evidence showing that I authorized these transactions. I am requesting that Chase provide all documentation relied upon in their determination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: TX

Complaint narrative:
Statement : I am filing a complaint against Kraken for closing my account without explanation, withholding my funds, and failing to respond to multiple attempts to resolve the issue. On XX/XX/year>, my Kraken account was hacked, and an unauthorized party attempted to withdraw over {$600.00}. I immediately contacted Kraken Support through their chat system. Their automated system suspended my account and stated that I would be contacted by their support team. Since that date, I have sent multiple emails and followups, and Kraken has not responded at all. My account remains locked, and my funds remain inaccessible. Kraken has provided no explanation, no verification process, and no path to recover my money.

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 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Seen that credit card account was closed called Bank of America XXXX they informed me they mailed a letter in mail asking for updated information XXXX increase credit limit, sent information over. Was told I was missing some information XXXX instead of them sending a email or calling they automatically closed account XXXX still expect bill XXXX be paid. Which is unfair if closing account without informing someone who used credit card frequently XXXX still expecting XXXX pay a balance.

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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I deposited XXXX cash on XXXX at US bank at XXXX XXXX in LA around XXXX but I didn't get a receipt however the very next day when I logged in to my app it only shows XXXX so it's missing XXXX. I've been to the branch 3x and called to file a atm dispute 2x but nothing came from it and they have been dragging their feets so I am here trying to get this resolved and it's XXXX missing.

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