vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: Rocket Mortgage, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, we submitted a formal Notice of Error under RESPA, 12 C.F.R. 1024.35, disputing a servicer-created one-month delinquency on our account. The delinquency was manufactured in XX/XX/XXXX when XXXX XXXX improperly reversed a cleared manual payment ( Transaction 32, coded " REV Other '' ) that had nothing to do with a failed autopay, then misapplied our funds to cover the resulting shortfall. This consumed our XX/XX/XXXX payment and left no funds for our first payment under our newly booked XXXX XXXX Flex Modification, creating a delinquency that has carried forward every month since. Mr. Cooper has not provided a substantive response to the Notice of Error. Their only responses have been : ( 1 ) a letter stating credit reporting was correct based on account status, without addressing the servicing error ; and ( 2 ) a letter dated XX/XX/XXXX, referencing an unrelated XX/XX/XXXX internal adjustment and requesting an extension to XX/XX/XXXX sent after the XXXX RESPA response deadline had already expired. We have not consented to the extension. Mr. Cooper is in violation of 12 C.F.R. 1024.35 ( e ) ( 3 ) and has failed to conduct a reasonable investigation as required by 12 C.F.R. 1024.35 ( e ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Was taken XXXX of my account back of Amrica a send to XXXX and then another transaction of XXXX XXXX with out my authorization and XXXX decline payments of XXXX and XXXX payments of XXXX a total amount the bank own me is XXXX dollars and Bank of America did not help me at all even I have proof of thoses transactions Im a victim of a fraud from bank of America and discrimination and never protected my account

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX of XXXX XXXX in XXXX XXXX, XXXX. During the financing passion of the sale, the financing manager advised me that my auto credit loan APR based on my auto credit score would be 12 %. However, the financing manager advised me that he had a friend at Ally bank and if I purchased extended warranties through XXXX, he would be able to have my APR lowered to 6 %. I proceeded to purchase XXXX add-on XXXX Warranties in order to receive the lower APR. Once the final monthly payment was revealed. I decided it was too high to purchase the XXXX extended warranties and asked that theyd be removed from the sales contract. However, the financing manager told me I could not keep my lower APR of 6 %. It would go back up to 12 %.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have had several checking accounts with US BANK for some time and never ever had an issue to someone used my identity not for opening up any of my checking accounts so I was just told this information today XX/XX/year>, I called immediately after I discovered my accounts was closed and no one could tell me why until XX/XX/year> due to fraud I dont do fraud and I respectfully have other accounts with US BANK and nothing on my account is fraud and now that my accounts are closed they are holding my funds hostage stating that I need to go to a branch im not able to go to a branch out of state due to health issues, I called the branch in XXXX named XXXX XXXX XXXX she was very rude and dismissed the fact that I been back and forth with contact center and was advised that it was nothing she could do she challenged me on my businesses to advise I dont know my business name. I would like for US BANK to send my funds back to me and not hold my funds hostage it is not possible for me to go to a branch due to my health issues and I was told to fly out its not feasible

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 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: January Technologies, Inc
State: DE

Complaint narrative:
Heres a clear, firm statement you can use : I am writing to formally dispute this account, as I do not recognize it and did not open it. This account is not mine, and I did not authorize anyone to open or use it on my behalf. I believe this may be the result of fraudulent activity or identity theft. I am requesting that this account be investigated immediately and removed from my records. Please provide me with any documentation related to the opening of this account, including the application and any identifying information used. I also request written confirmation once this matter has been resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I received a phone call from my parents who live at XXXX of my previous addresses. They told me that a police officer showed up at their house asking for me. The debt collector told them that I have a debt, all of the details of the debt including amount and original creditor, and that if I don't pay the debt I will go to jail. They told him I hadn't lived there since highschool. I am an adult who doesn't live at that address, my parents are elderly and they were frightened by this man threatening my freedom over a debt that was originally XXXX times less. He returned XXXX times that week and demanded to speak to me despite being told multiple times that I don't live there. They had to call my brother and have him tell him to leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST NATIONAL BANK OF OMAHA
State: GA

Complaint narrative:
Company : First National Bank of Omaha ( FNBO ) Product : Credit Card Issue : Credit balance refund not issued Complaint : I am filing a complaint regarding a delayed credit balance refund on my credit card account with First National Bank of Omaha. On XX/XX/year>, I requested a refund of a credit balance in the amount of {$11000.00} resulting from an overpayment on my account. Despite this request, I have not received the refund. I have contacted the company again and was told that there is a high volume of requests, but no specific timeline or resolution has been provided. It has now been over XXXX days since my request, which is an unreasonable delay for a credit balance refund. I am requesting that FNBO immediately process and issue the full refund of {$11000.00} via ACH, and provide confirmation of the refund. I would also like confirmation that this issue has been resolved.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I am reporting Chime for a systemic failure to conduct a " reasonable investigation '' into a deceptive merchant network under Regulation E. Chime has denied all of my dispute claims ( totaling {$2700.00} across Cases : XXXX, XXXX, XXXX, XXXX ) despite evidence of a coordinated fraudulent " Alter Ego '' structure. 1. Evidence of Common Control : I provided proof that XXXX ( XXXX ) different merchant DBAs ( including XXXX ) all funnel consumer payments into the EXACT SAME blockchain destination wallet address. In the digital economy, a shared wallet is definitive proof of a single operational entity. 2. Deceptive Marketing Practices : These separate DBAs use verbatim, identical marketing language to describe their rewards programs. This is a coordinated effort to lure consumers into a rewards structure that the merchant then refuses to honor, claiming the rules for claiming the rewards have changed and were different across DBAs. 3. Failure to Investigate : Chime denied my first batch of claims by ignoring the technical evidence of this unified structure. For my subsequent claims, Chime denied them without allowing me enough time to submit the connected evidence, effectively closing the cases before the documentation could be attached. 4. Attempt to Resolve : I acted in good faith and initially contacted the merchant on XXXX XX/XX/year> to resolve this discrepancy. The merchant refused to honor the terms or provide a refund. I attempted contact on XXXX XX/XX/year>, but as Exhibit A shows, the merchant 's contact system was non-functional/failed, which is further evidence of their deceptive business model. Conclusion : Chimes investigation was surface-level and ignored the technical and marketing proof provided. By denying these claims, Chime is allowing a merchant to bypass consumer protections through a " shell '' structure. I am requesting a full executive-level reinvestigation of all denied and pending claims associated with this merchant network.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
b'I sent this debt validation letter certified to Portfolio Recovery Associates mail with tracking numbeXXXX XXXX XXXX XXXX XXXX XXXX XXXX I didnt receive any of the information that I requested to validate the debit. I also submitted a debit validation request to XXXX, XXXX, and XXXX through certified mail.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I am disputing a collection account related to a billing error by XXXX On XX/XX/XXXX, I requested to transfer my account, under my name to my wifes name and close a line. I was told by a XXXX representative that the account and line would be closed, and I paid the outstanding balance at that time. I received confirmation and was told autopay could be stopped. However, the line was never disconnected, and charges continued without my knowledge or notification. On XX/XX/XXXX, I received a notice from a collection agency claiming I owed {$390.00}. I promptly disputed the debt and requested validation, but I have not received proper balance notification from XXXX prior to XX/XX/XXXX after I did the transfer. After contacting XXXX, they acknowledged that the line was not disconnected likely due to an operational error. On XX/XX/XXXX, I was told that if I paid the prorated XXXX charge of {$100.00}, the remaining balance would be waived. I paid this amount in good faith. Despite this, the collection agency continues to pursue the remaining {$280.00}, which is not owed and resulted solely from XXXX failure to process the disconnection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: WA

Complaint narrative:
I am disputing a debt being collected by this company. The original balance was {$10000.00}, but it has been increased to {$10000.00}. I requested an itemized breakdown explaining the additional charges, but the company refused to provide any documentation. I called the company on XX/XX/year>, at approximately XXXX XXXX and spoke with them over the phone. During that call, they refused to send a breakdown of the balance or provide validation of the added charges. I believe this may be a violation of the Fair Debt Collection Practices Act, as they are attempting to collect an amount that has not been properly validated. I am requesting that they provide full validation of the debt, including a breakdown of all charges, or cease collection of the disputed amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
I noticed a collection Agency Sunrise credit was recently added to my credit report. The debt was from a electric bill with XXXX XXXX. The debt has been charged off by the credit. Sunrise is stating I owe them this debt. I asked for validation by law there required to give me and show me my signature authorization of XXXX XXXX to release my personal information to them.

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 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo denied my XXXX scam claim even though the scammer impersonated a known friend whose XXXX account was hacked. This was not a purchase scam it was an identity-impersonation scam. I sent money believing I was sending it to my friend, but it went to a criminal using her hacked account. Wells Fargo misclassified the scam and refused to reevaluate it. I am requesting a corrected review and the denial reason code. I followed all recommended steps, reported immediately, and Wells Fargo has still not complied with the XXXX networks scam reimbursement guidance.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
This is in regard to a loan with CrossCountry Mortgage. On XX/XX/year> I started the process to cancel my flood insurance after FEMA declared that I am no longer in a flood zone. On XX/XX/XXXX I got a denial stating that I could not cancel my escrow due to owing greater than 80 % on the loan but I never asked to cancel my escrow just the flood insurance. I started the process of verification with CrossCountry Mortgage 's research department on XX/XX/XXXX to cancel the flood insurance sending all requesting information such as the new flood zone map and LMR. On feburary XXXX I received a response from cross country that I am no longer in a flood zone and XXXX cancel my flood insurance. On XX/XX/XXXX I canceled my flood insurance policy. XX/XX/XXXX I received a letter from cross country mortgage that they purchased a {$4000.00} flood insurance policy and charged {$630.00} already due to not having flood insurance on my home. XX/XX/XXXX I called to resolve this with cross country and spoke to XXXX representative who stated they could see my original flood policy was canceled and that I am not in a flood zone. On their end they could not see the new flood policy purchased on my behalf by CrossCountry but could see the {$630.00} charge which both cited as " weird. '' It was supposedly sent to their escalation team but I was not given a case number or a direct contact to call back. This seems fraudulent at best.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
This is a follow up to my previous complaint with XXXX, as they did not address the issue at hand and seemingly blatantly ignored the documentation provided in the complaint. This is getting to a point where we are going to have to resolve this in court if this is not resolved soon. XXXX is reporting a debt collection that I have repeatedly disputed and paid in full already, yet they continue to harass me over the debt and claim it is not paid. Documents provided clearly show the account at XXXX with receipts of payments and credits made on this debt. Please stop harassing me and falsely reporting this incorrect debt collection.

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