vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I entered into a settlement agreement with Bank of America and completed all required payments. My final payment was due on a Saturday XX/XX/XXXX. I contacted Bank of America on the next business day ( Monday XXXX ), at which time their representative accepted and processed my payment. During that call, I was explicitly told that my settlement was complete and that I would receive a completion letter. I relied on this confirmation. Approximately one month later, I was contacted and told that my settlement agreement was voided because the final payment was not made on Saturday. I escalated the issue and was informed that my account was still in a pending status at the time the payment was processed, which is why the payment was accepted. The company accepted my payment while the account was pending/active, confirmed that my settlement was complete, and did not inform me at that time that the agreement was considered broken. It is unreasonable to accept a payment under these conditions, confirm completion of the settlement, and then later reverse that position. I acted in good faith and relied on the companys representation. I am requesting that Bank of America honor the original settlement agreement and provide written confirmation that my account has been settled as agreed.

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 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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 two parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. Under 15 U.S. Code 1681b Permissible purpeses of consumer reports I never gave you any written consent to report anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
I am a former XXXX customer of XXXXXXXX years with an unblemished payment history and an estimated {$50000.00} paid over my tenure. On XXXX XXXX, 2026, I discovered a derogatory mark on my credit report, placed by Credence Resource Management on behalf of XXXX XXXX resulting from a disputed balance for which I was never given a fair opportunity to resolve. FACTS : - My billing cycle began on the XXXX of each month. - I cancelled service on XX/XX/XXXX2025 6 days into the XXXX cycle - I was billed {$140.00} for 2 lines, which is what they said, despite only 6 days of use for line-1 ; the line-2 was confirmed removed 4 times before the billing cycle began, but it was not removed due to a T-Mobile error, for which they apologized, yet charged me anyway. - I requested the removal of my line-2, which was confirmed to be removed twice, but it was not removed due to a T-Mobile error, impeding me from transferring my number and then charging me for it. XXXX later apologized for this error as well, yet charged me anyway. - T-Mobile then modified my balance XXXX times without explanation : XX/XX/XXXX : {$140.00} XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$170.00} XX/XX/XXXX : {$180.00} - Upon cancellation, XXXX 's portal locked me out. It required an active T-Mobile number to log in, which I no longer had for payments. I was never provided an alternative payment method to pay for their mistakes. - I received no written notice before this account was sent to collections or before the derogatory mark was placed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: M&T BANK CORPORATION
State: MA

Complaint narrative:
M & T Bank, XXXX XXXX XXXX, XXXX, Ma XXXX When at my bank ( listed above ) in late XX/XX/year>2024 I was shocked to discover {$47000.00} missing from my checking account. I immediately went into bank and XXXX set up a claim with the fraud unit for the two charges below. XX/XX/year> Renewal by XXXX {$23000.00} XX/XX/year> Renewal by XXXX {$23000.00} I had a relationship with Renewal by XXXX, for a project initiated on XX/XX/year> when I wrote a check ( # XXXX ) for {$28000.00} for the deposit. The job began in XXXX but would never be completed. They abandoned the job and stole the funds from my account without permission. The unauthorized ACH transactions were not explained by M & T or any of its affiliates. And my requests had gone unanswered.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Imprint Payments, Inc.
State: NY

Complaint narrative:
I tried to purchased online using my XXXX Genius Visa credit card, but it was never go through. I tried multi times with a different Merchants. For the same amount of atttemped the Credit card company Put my account on hold, and I sent doc they requested for the first time then the released my account. The other day I tried another attempt with XXXX was about {$100.00} more less, it was never go through again. I called them and they transferred with the fraud dept then the agent im good to go. I tried again and again, didn't go through again and call them again and repeated for XXXX times. Now they put my account on hold again and asked me again to send doc which I did was on XX/XX/year>, as of now im writting this my account still locked. The kept te ; ; ing me XXXX hours to review my document, and I was told form the other XXXX there is no timeframe how long to release my account. I got mixed messages and informations. They cant keep their worrds and thei said they do not have a SLA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: AZ

Complaint narrative:
On XX/XX/year> I went to pay my mortgage for XXXX and I noticed it went up about {$150.00}. I check my escrow analysis and I see that they increased the amount they are taking for my property taxes. This is understandable as in XXXX XXXX XXXX had valued my property without a house on it. There is now a house on it so I knew it would be increasing. On the escrow analysis the have an " estimate '' for what they will be taking out of my account for property taxes. They are saying {$1700.00} will be leaving my account this month XX/XX/year>. I am assuming that is to XXXX my property taxes that are due in XXXX. However, the county already has my bill available and I only owe {$79.00} for XXXX. Due to the mortgage companies gross overestimate they are saying I will have a shortage in my escrow account of $ XXXX and they will be collecting that over the next XXXX XXXX The other issue is their estimates for my property taxes. The county has already evaluated my property and they have factored in the house that now resides on it. They estimate my property taxes to be {$2000.00} for the 2026 tax year. The mortgage company is estimating {$3400.00} for the year and that will be split into the XXXX payments XXXX in XXXX and XXXX in XXXX. This is a difference of {$1300.00}. That is a lot of money so I have been trying to ask for justification. The only reason they gave me was an " XXXX rule. '' I am XXXX XXXX into my mortgage, so I don't understand why this rule is just now being imposed on 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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
ASKED COMPANY FOR 1099-C FORM ON MULTIPLE OCCASIONS SINCE IT IS CONSIDERED A CHARGED OFF ACCOUNT. COMPANY HAS BEEN FALSELY REPORTING INACCURATE INFORMATION TO CREDIT FILE TO ALL 3 BUREAUS. IRS HAS NO RECORD OF THIS ACCOUNT BEING A CHARGE OFF BUT THAT IS THE STATUS THAT IS REPORTING TO ALL 3 BUREAUS WITH NO DOCUMENTATION THAT CAN BE PROVIDED TO ME OF THIS STATUS JUST VERBAL.LAST PAYMENT RECEIVED AND AMOUNTS HAVE NOT BEEN DEDUCTED FROM ANY PREVIOUS BALANCES OR UPDATED FOR THIS ACCOUNT. THIS ACCOUNT IS CURRENTLY SHOWING THAT I HAVE A PAST DUE BALANCE OF {$1200.00} WITH FEES OF XXXX AND 106 DAYS PAST DUE ON A SUPPOSEDLY CHARGED OFF ACCOUNT LAST PAYMENT RECEIVED WAS XX/XX/year>XXXX FOR {$2300.00}. LAST PAYMENT DATE IS DIFFERENT FOR ALL 3 BUREAUS AS WELL AS PAYMENT HISTORY, DATE OF FIRST DELINQUENCY, AND QUITE A FEW OF ACCOUNT INACCURIES THAT ARE BEING REPORTED INCORRECTLY BUT DEEMED TO BE VERIFIED AND UPDATED STILL WITH INACCURATE INFORMATION WITH THIS WHOLE ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: PLANET HOME LENDING, LLC
State: OH

Complaint narrative:
Here 's the exact citation from the current Fannie Mae Servicing Guide ( Section B-8.1-04, Termination of Conventional Mortgage Insurance ) that addresses short-history loans like mine : Note : When assessing the payment history for a mortgage loan that has been outstanding for fewer than 24 months ( or for a new borrower who assumed a mortgage loan within the last 23 months ), the servicer must apply the acceptable payment record criterion to the length of time the mortgage loan has been outstanding ( or that has elapsed since the new borrower assumed the mortgage loan ). The 12- and 24-month payment histories must be measured backward from the later of the date the balance is first scheduled to reach, or actually reaches, 80 % of the original value of the property ; or... This is the precise language Planet Home Lending is required to follow. I will be suing you in small claims court in Ohio for the PMI you are requiring me to pay after I've already been under 70 % XXXX since I requested PMI removal unless you refund it. Expect the summons.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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

Complaint narrative:
On XXXX XXXX, 2025, I deposited {$940.00} into my PayPal account. I spent approximately {$200.00}, leaving a balance of {$740.00}. On XXXX XXXX, XXXX, PayPal permanently restricted my account without explanation or evidence of any wrongdoing on my part. PayPal sent me a written notice stating they would hold my funds for up to 180 days. Based on XXXX XXXX, XXXX, the 180-day period would end on or around XX/XX/XXXX. However, on XXXX XXXX, 2026 35 days before the promised release date my entire {$740.00} balance was removed from my account without my consent and without any prior notice. PayPal broke their own written promise. When I contacted PayPal to ask what happened, they told me " PayPal loss protection '' took the money. They provided no court order, no law enforcement agency name, no legal documentation, and no evidence of any offense committed by me. I have not violated any PayPal policy and I have received no proof that I have. PayPal removed my funds early, without notice, without consent, and without any legal documentation. I am requesting the full {$740.00} be returned to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: RI

Complaint narrative:
I am filing a complaint regarding two collection accounts reported under my name that I do not recognize and have no knowledge of. These alleged debts are unverified and do not belong to me, yet I have been subjected to repeated and aggressive communications through multiple platforms, including threats of legal action. This situation is unacceptable, violates my rights as a consumer, and has caused significant emotional distress, including ongoing anxiety and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX in XXXX AZ did a procedure for me their bill got lost I asked for a payment plan since my insurance did not pay for as much as was quoted to me. i was told they couldn't make a plan but if i sent the money in I would be ok. the bill got lost and as a person with XXXX it slipped my mind they then turned it over to U.S . Collections West, and added a 40 % collections fee to the bill. I just got a call this morning from one of their agents While on the phone with my XXXX and they left a voicemail only stating their name and to call them back which I did, during that call I was told they will sue me for the balance, and they have put it on my credit report, I told them I don't have the money right now and I am over drawn. the lady got hostile and I told her that I thought its its illegal to make threats. I then called XXXX XXXX XXXX and offered to pay them via CC today. They said they can't do that and I asked why since others have been able to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
My credit card account showed multiple conflicting payment amounts between statements and the mobile app. The app displayed both a minimum payment and a past due amount separately, without clearly stating that both needed to be paid to avoid fees. I made a payment based on what was displayed, believing I was meeting the requirement. Despite this, I was charged {$73.00} in fees and my account was closed. The payment requirements were not clearly communicated, and this caused confusion. I am requesting a review of these fees and a goodwill adjustment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rocket Mortgage, LLC
State: AZ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: FL

Complaint narrative:
To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the above-referenced accounts that your company is reporting to consumer reporting agencies. This dispute is made pursuant to the Fair Debt Collection Practices Act, including 15 U.S.C. 1692c and 15 U.S.C. 1692g, which grant consumers the right to dispute alleged debts and request proper validation from a debt collector. I do not acknowledge any obligation for the alleged debts referenced above. Therefore, I am requesting full validation of these accounts. Please provide the following documentation : A copy of the original contract or agreement bearing my signature A copy of the original credit or service application Complete account statements showing how the alleged balance was calculated Documentation showing that your company has legal authority to collect the alleged debt Proof of assignment or transfer of the debt from the original creditor to your company Verification of the date of first delinquency Documentation verifying that the reporting complies with applicable credit reporting standards Until this validation is provided, you must cease all collection activities and cease reporting this account to any consumer reporting agency. Federal courts have held that debt collectors must properly investigate disputed debts before continuing collection or verification activities. In XXXX XXXX XXXX XXXX XXXX, the court affirmed that consumers have the right to dispute debts and request validation before collection activity may continue. Additionally, in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, the court recognized that debt collectors may violate federal law when attempting to collect or report debts without proper validation. If your company can not provide the documentation requested above demonstrating that this alleged debt is valid and that I am legally obligated to pay it, you must immediately cease reporting the account and request its deletion from all consumer reporting agencies. Failure to comply with this request may constitute violations of federal consumer protection laws. I reserve the right to file complaints with the appropriate regulatory agencies and pursue all available legal remedies. Please respond in writing within 30 days. Sincerely, XXXX 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 2026-04-08 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Company : USAA Product : Checking Account / Debit Card Issue : Fraud dispute handling and reversal of provisional credit I am submitting this complaint regarding how my fraud dispute was handled by USAA, specifically related to multiple unauthorized transactions associated with XXXX. On XX/XX/year>, I was charged {$120.00}, and on XX/XX/year>, I was charged {$110.00} by XXXX. There was also an additional charge of {$160.00} on XX/XX/year> along with several smaller unauthorized charges. I reported these transactions as fraudulent. During my initial report, I clearly informed USAA that I do use XXXX for specific, known service providers, and I identified which transactions were legitimate and which were not. Despite this clarification, USAA later determined that the disputed charges for the XX/XX/XXXX and XX/XX/XXXX transactions were valid, while others originating from the same merchant and pattern were determined to be fraudulent. This inconsistent determination is confusing and has not been explained. USAA initially issued provisional credit for the disputed transactions. However, after their investigation, they reversed that credit and withdrew the funds from my account without providing a clear or timely explanation. I requested documentation supporting their findings. While I was told this information could be provided within 10 days, I do not understand why this information was not readily available at the time of their decision, especially since the investigation had already been completed. Additionally, I attempted to provide feedback to USAA regarding their dispute handling process. I was informed by an agent that they would file a complaint on my behalf, which is not what I requested. I specifically wanted to submit feedback regarding the process itself. It appears there is no clear or accessible method for members to submit formal feedback or grievances, and agents do not seem properly informed on how to handle such requests.

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 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I was a victim of identity theft with Capital one and after weeks of going back and forth they removed the fraudulent accounts from my credit report however they remain in my identity and I have asked several times for it to be removed from my social security number but they refuse my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I am submitting a complaint regarding my federal student loan account and incorrect XXXX qualifying payment counts due to an unauthorized, servicer-initiated forbearance. Specifically, I was placed into forbearance for the months of XXXX, XXXX, XXXX, and XX/XX/year> without my request or authorization. During this time, I was employed full-time by a XXXX XXXX XXXX XXXX and would have continued making qualifying payments had I not been placed into forbearance. This action prevented me from earning qualifying XXXX credit for those months. I have since submitted a XXXX reconsideration request, but I am filing this complaint because the forbearance was not initiated by me and has negatively impacted my progress toward loan forgiveness. I am requesting that these months be reviewed and credited toward my XXXX count through retroactive credit, as the forbearance was servicer-initiated and not voluntary. Please investigate this matter and ensure that my payment count is corrected accordingly. Thank you for your time and assistance.

Company response to consumer: Untimely response