vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: GREEN BRICK PARTNERS INC
State: TX

Complaint narrative:
This letter is provided to formally document the actions I personally took to resolve the issue regarding the {$5000.00} earnest money refund related to my VA home loan, including my efforts to work directly with Green Brick Title, the lender, and the builder. 

From the time the issue was identified, I made multiple good-faith efforts to resolve the matter directly with all parties involved before pursuing regulatory assistance. My actions are summarized below. 

Actions Taken : Upon discovering that my {$5000.00} earnest money was applied to the transaction despite sufficient builder credits, I contacted the lender ( XXXX XXXX ), builder ( XXXX XXXX XXXX ), and title company ( Green Brick Title ) to request clarification and refund of the funds. 

I provided copies of the original and corrected/post-closing Closing Disclosures, which reflected that the earnest money was intended to be returned and not applied to closing costs. 

After receiving no substantive response, I sent multiple written follow-up emails to XXXX XXXX XXXX XXXX XXXX XXXX and Green Brick Title requesting confirmation of : Who was holding the earnest money, and When the refund would be disbursed.

I later received written confirmation from XXXX XXXX that : A post-closing / corrected Closing Disclosure was issued specifically to facilitate the refund of my earnest money, and Additional seller credits were applied for that purpose.

Despite this confirmation, no refund was issued, and no party, including Green Brick Title, confirmed responsibility for disbursement.

Due to the continued lack of response and non-disbursement of funds, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ).

The CFPB response indicated that the lender is not responsible for the disbursement of the earnest money and that the responsibility for release of the funds lies with the title company, identified as Green Brick Title. 

Upon receiving this information, I immediately contacted Green Brick Title with a formal written request for disbursement, referencing the CFPB determination and requesting prompt resolution. 

Throughout this process, I acted in good faith, remained responsive, and attempted to resolve the matter directly with Green Brick Title, the lender, and the builder prior to escalating the issue to regulatory and legal channels.

As of the date of this letter, the {$5000.00} earnest money has not been refunded, and I am awaiting confirmation from Green Brick Title regarding the release of these funds.

This summary is provided for documentation purposes and to support continued efforts to recover funds owed. 

Respectfully, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have fraud on my account for the date of XX/XX/XXXX. Called that day I saw it with my Target card and told I have to fill out a form for them to review. Did form and confirmed they received form on XX/XX/XXXX. Was told they have " up to 90 days to resolve fraud complaint. As of today XX/XX/XXXX, I have received no resolution and called again today and was told they have a resolution but can not tell me because someone has not put it on the account and they can not tell me how long it will take. I want the account closed and I have been told I can not until there is a resolution. I am tired of being told there is nothing and I am at their mercy for when they decide to eventually come to a resolution. These charges total {$41.00} and they were done in the XXXX, XXXX. I am in Texas and have never been out of the country. EASY FRAUD DETERMINATION, however they still continue to tell me no resolution is done.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Accelerated Servicing Group LLC
State: MS

Complaint narrative:
The company has called me back to back several days in a row leaving voicemails threatening legal action and staring my social security number but no debt information. They called on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Claiming to be with XXXX from phone XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
Complaint Description Issue : Unfair Debt Collection Practices and Consumer Fraud Company : Bridgecrest I am filing this complaint against Bridgecrest regarding a vehicle purchase that has resulted in financial hardship and harassment. Within the first three months of ownership, the vehicles engine failed completely. Despite having purchased what was represented as a comprehensive extended warranty, the warranty was refused/found to be bogus, leaving me with a non-functioning " lemon '' vehicle. 

Because the vehicle is inoperable and the company failed to honor the service contract, I have requested that Bridgecrest take possession of the vehicle. They have refused to do so and have instead engaged in a campaign of harassment.

Violations of Law : Harassment ( Multiple Calls ) : Bridgecrest calls me multiple times a day. Under the Fair Debt Collection Practices Act ( FDCPA ) and Missouris Merchandising Practices Act ( MMPA ), engaging in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt is prohibited. 

Missouri Revised XXXX XXXX : The sale of a vehicle with a non-functioning engine and a " bogus '' warranty may constitute " unlawful practices, deception, fraud, false pretense, false promise, misrepresentation, '' as defined by Missouri law.

Fair Credit Reporting Act ( FCRA ) : I am concerned about the impact this disputed debt and the companys refusal to reclaim the collateral is having on my credit report.

I have attempted to resolve this by asking them to retrieve the car, but they continue to call and harass me instead of addressing the mechanical failure and the invalid warranty they sold me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2026 I called and made a claim due to identity theft that has been occurring in my debit account from a stalker. Wellsfsrgo told me they were having a hard time verifying me and then stated that they needed me to call right back. I called back 20 minutes later and my entire account was taken over and I was left with zero access to my account and the stalker who is known as a violent criminal had changed all my information and manipulated a situation to harass me. I went into the branch the following day still unable to change my pin I did change the account number completely due to stalker knowing to much information that I did not give to him. My stalker started acting as a woman to try to get to know me and was not given information.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally reject Barclays Bank Delawares position and request CFPB supervisory review and assistance. Barclays sent me a letter from the Office of the President dated XX/XX/XXXX stating that they can not assist because I allegedly did not identify which transactions were fraudulent. That is not accurate. I have now provided an itemized list of every disputed transaction ( date, merchant, amount, and account ), exactly as shown on the statements, yet Barclays has still not resolved the fraud claim.

Barclays response appears to rely on procedural barriers instead of a reasonable investigation. I am requesting CFPBs intervention to require Barclays to ( 1 ) reopen and complete a proper investigation, ( 2 ) permanently credit the unauthorized transactions, and ( 3 ) reverse all related fees/interest and correct any negative credit reporting.

Disputed unauthorized transactions ( as shown on the statements ) : A ) Account ending XXXX ( XXXX XXXX XXXX ) Statement period XXXX : XXXX XXXX XXXXXX/XX/XXXX ( posted XX/XX/XXXX ) XXXX XXXX, XXXX XXXX {$22.00} XXXX XXXX  XX/XX/XXXX ( posted XX/XX/XXXX ) XXXX XXXX, XXXX XXXX {$1.00} XXXX XXXX XXXXXX/XX/XXXX ( posted XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX {$6800.00} XXXX. XX/XX/XXXX ( posted XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX {$6700.00} XXXX. XX/XX/XXXX ( posted XX/XX/XXXX ) XXXX, XXXX, XXXX {$4.00} B ) Account ending XXXX ( XXXX XXXX ) Statement period XXXX : XXXX. XX/XX/XXXX ( posted XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX {$6700.00} XXXX. XX/XX/XXXX ( posted XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX {$6800.00} XXXX. XX/XX/XXXX ( posted XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX {$840.00} Total disputed unauthorized purchases across both accounts : {$27000.00}. 

Fraud signals/ reasons this requires a real investigation : The same suspicious high-dollar merchant descriptor ( XXXX XXXX XXXX XXXX XXXX ) appears across multiple cards/accounts in rapid succession, totaling tens of thousands of dollars.

The statements show reversals/credits later posted for these same amounts, consistent with fraud dispute / chargeback activity, yet Barclays still has not resolved the issue.

Barclays has not provided evidence supporting any denial ( e.g., card-present vs. card-not-present, chip/swipe, signed receipts, AVS/CVV results, IP/device/shipping logs for e-commerce, or any merchant documentation ).

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 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am submitting this complaint regarding improper mortgage servicing by Freedom Mortgage Corporation following a transfer of servicing from XXXX effective XX/XX/XXXX. 

At the time Freedom Mortgage assumed servicing, my loan was current and my monthly payment was {$2500.00}. 

On XX/XX/XXXX, Freedom Mortgage issued an Escrow Account Disclosure Statement reflecting a reduced monthly payment of {$2400.00} ( with a further adjustment to {$2400.00} effective XX/XX/XXXX ). Freedom Mortgage also issued me an escrow surplus refund check in the amount of {$1000.00}. Based on this written escrow analysis and refund, I reasonably relied on the payment amount provided by the servicer. 

On XX/XX/XXXX, I made a payment of {$2400.00} in accordance with the escrow disclosure. Despite following the payment instructions provided by Freedom Mortgage, my XX/XX/XXXX statement showed the payment placed into unapplied funds, with Freedom Mortgage asserting that the payment was insufficient. As a result, late fees were assessed. 

Between XXXX and XX/XX/XXXX, I made multiple payments, including payments in excess of the escrow disclosure amount, in an effort to prevent additional late charges while this issue was being investigated. During this period, Freedom Mortgage assessed three late fees of {$70.00} each. The various documents relating to the issue are contained in the Attachment " First Attempt Mortgage Dispute XX/XX/XXXX '' as Exhibits A-C on pdf pages 5-12.

I submitted a formal Notice of Error under RESPA on XX/XX/XXXX. In its written response, Freedom Mortgage admitted that the XX/XX/XXXX escrow disclosure contained an error, stating that the payment amount provided was printed in error. ( See attachment " First Dispute Response XXXX '' pdf pg 2 paragraph 4 ). Despite admitting the error, Freedom Mortgage reversed only one of the three late fees assessed, in their words as a courtesy.

I submitted a second written dispute on XX/XX/XXXX, explaining that under 12 C.F.R. 1024.35 ( b ) ( 5 ), a servicer may not impose fees on a borrower for complying with erroneous servicer instructions. I also requested reimbursement for certified mailing costs incurred in submitting the Notices of Error. Freedom Mortgage rejected this request and continues to insist that the late fees were properly assessed, despite its admission that the escrow disclosure was incorrect.

Freedom Mortgages actions resulted in improper fees, misapplication of payments, unnecessary account disruption, and additional costs incurred by me to correct a servicer error that Freedom Mortgage has acknowledged in writing.

Freedom Mortgage

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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I opened a checking account with Citi bank in XXXX. When I opened the account I was told that I could not open the account due to my credit being frozen. By this time I had a direct deposit set up for {$50.00} every two weeks to go to the account.

Well I have been trying to close my account with them since XX/XX/2025 and to mail me my refund check in the account of {$50.00}.

Every time that I call- well no one has started the process of closing the checking 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 monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
My escrow amount which includes property taxes and homeowners ins amount is {$4000.00} per year, however I am being charged {$8100.00} per year as my monthly escrow charge is {$670.00}. $ XXXX {$8100.00}. That's {$4000.00} more than my escrow should be. I need help with this because the company Select Portfolio Services, will not explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Company : Affirm , Inc . 
Loan ID : XXXX Merchant : XXXX XXXX Purchase price : {$3200.00} Refund requested : {$2000.00} partial refund ( with corresponding loan adjustment ) Delivery date : XX/XX/year> I am filing a complaint regarding Affirms dispute-handling process for Loan ID XXXX related to a financed purchase from XXXX XXXX ( purchase price {$3200.00} XXXX. 

The product was not delivered to me until XX/XX/year>. Upon delivery, the merchandise was defective/damaged, and I documented the defects immediately beginning on the delivery date. The merchant later acknowledged in writing that the issue was caused by a manufacturing mistake, stated it was completely on us, and accepted full responsibility. The merchant also indicated the defective piece would not meet their standards. This confirms the dispute is based on defective merchandise and misrepresentation, not buyer preference or remorse. 

Despite this, Affirm denied my dispute. The denial basis has been inconsistent : initially Affirm relied on the merchants non-refundable policy, and later Affirm claimed the dispute was not eligible because it was beyond XXXX days from the loan processing date ( XX/XX/year> ). This time-based denial is unreasonable and unfair because I could not dispute defects in the merchandise until the item was actually delivered and inspected on XX/XX/year>. 

Affirm also requested and accepted evidence submissions, including after advising me to reopen/re-submit evidence for re-review. However, Affirm closed the reopened dispute again within approximately XXXX minutes of my evidence submission, strongly indicating the evidence was not meaningfully reviewed. 

In addition, I requested the evidence submitted by the merchant that Affirm relied upon to rule against me, but Affirm did not provide the merchants evidence submission or an itemized summary of what was reviewed. This prevented a fair opportunity to rebut any merchant claims. 

Affirm has also pressured repayment and warned about potential credit reporting while the dispute remains unresolved, causing additional harm. There is currently an overdue amount of {$540.00} referenced in Affirm communications, and I am concerned about negative credit reporting while this defect-based dispute is being mishandled. 

The merchants proposed remedy was not timely or reliable. The merchant initially suggested a replacement in XXXX, but later confirmed delivery would be summertime-ish, and refused a refund unless I paid return shipping exceeding {$1000.00} plus additional fees ( including a restocking fee ), despite admitting the defect was their fault. This demonstrates the merchants refusal to provide a reasonable and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: TX

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 2026-01-14 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo detected and alerted me to high-risk fraudulent debit card transactions from XXXX on my card ending XXXX on XX/XX/2025. XXXX such transaction was blocked and did not go through. 

Despite identifying this fraud risk, Wells Fargo allowed numerous additional XXXX transactions to post between XX/XX/XXXX and XX/XX/2025. I reported all XXXX unauthorized transactions promptly. Wells Fargo refunded only some of them and denied reimbursement for the remaining transactions totaling {$1000.00}, without providing evidence that they were authorized. 

All disputed transactions were made to the same merchant, using the same debit card, within the same fraud window, and were labeled as recurring despite no authorization by me. Labeling a transaction as recurring does not establish authorization. 

Because Wells Fargo identified fraud risk before many of these charges occurred, allowing them to post and then denying reimbursement violates the reasonable investigation and consumer protection requirements of Regulation E ( 12 CFR 1005.11 ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief