vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: NM

Complaint narrative:
In XX/XX/XXXX, I was notified that my mortgage servicer had changed from XXXX XXXX to Rocket Mortgage. Shortly thereafter, I received correspondence referencing XXXX XXXX, which caused confusion and concern because I had been told Rocket Mortgage had acquired my mortgage, not XXXX XXXX. 

On XX/XX/XXXX, I called Rocket Mortgage to inquire about who XXXX XXXX was and because I had also received a collections call from Rocket Mortgage attempting to collect a debt during the servicing transfer. During that call, I explicitly informed Rocket Mortgage that, due to concerns about fraud and the servicing transition, I did not want to be placed on paperless billing and wanted to remain on paper billing. This was discussed directly with a Rocket Mortgage representative. 

On XX/XX/XXXX, I called Rocket Mortgage at XXXX to make a payment. I attempted to make a payment for XXXX and then make a separate payment for XXXX. However, the automated system would not allow a partial or separate payment and required me to make both payments together. I ultimately made the combined payment because the system would not allow any other option. 

Immediately after the payment was processed, the automated system informed me that I had been placed on paperless billing, despite my prior explicit request not to be enrolled in paperless billing. 

I stayed on the line and spoke with a Rocket Mortgage representative. I was told that the only way to be removed from paperless billing and return to paper statements was to create an online account. I informed the representative that I do not want to create an online account and want paper billing for my records. I was told there was no other way. 

I requested escalation and spoke with a manager, who repeated the same statement : that I must create an online account in order to receive paper billing. I again explained that during the transition I had specifically instructed Rocket Mortgage that I wanted to remain on paper billing, and that I did not consent to paperless enrollment. I was told that unfortunately there was nothing they could do because thats how it came across. 

As of now, Rocket Mortgage is refusing to provide paper billing unless I create an online account, despite my explicit refusal and my earlier instruction during the servicing transfer. 

Why this is a problem I did not consent to paperless billing. 

I explicitly requested paper billing during a servicing transfer due to fraud concerns. 

Rocket Mortgage unilaterally enrolled me in paperless billing. 

Rocket Mortgage is conditioning paper billing on the creation of an online account, which I do not want and should not be required to create. 

I received conflicting communications involving Rocket Mortgage and XXXX XXXX, creating confusion during a federally protected servicing transfer period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: TX

Complaint narrative:
On XX/XX/XXXX at XXXX a withdrawal was made with my debit card information of {$120.00}. Then at XXXX another withdrawal was made of {$20.00}. I reported to my bank ( Chime ) that these two transactions were not from me. 
Chime approved the {$20.00} and gave me my money back but Chime denied my {$120.00}. 
I called today XX/XX/year> around XXXX the agent told me that the fraud investigator will send me a statement on why my {$120.00} was denied. However the agent said it was because I can't prove that I was home. I did send screenshots of my location with time stamps. I even have witnesses ( my parents & my boyfriend ). 
Beware with Chime. They do not protect you with fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my researchPORTFOLIO RC 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 explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Changes in terms mid-deal or after closing
Company: FirstKey Holdings, LLC
State: GA

Complaint narrative:
Since XXXX, Ive had a personal loan that has been sold off to multiple companies in the past 18 years. Ive maintain good paying status and have paid over {$38000.00} on a loan that was once only {$23000.00}. I understand interest is required however Ive been subject to predatory lending as a young student at XXXX XXXX XXXX XXXX XXXX. I was rushed into a loan payment to fulfill my financial duties without understanding of the interest rates not being fixed rather varied. This has caused me to not finish paying this loan off due to the trickery that has left me in debt for years. My ask is to honor the amount paid and forgive the remaining. Essentially the loan plus more than 40 % in interest has been paid! Im a XXXX  and have already received full forgiveness for my service in federal loans, so I do not understand how and why this loan is causing me so much debt and strife. Ive paid my debt and the predatory loan I was given is holding me back grom financial growth in my life. I need this settled as I have been prepared for 2 years now to seek legal advice to move forward. Please respond with a solution.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: TX

Complaint narrative:
This letter constitutes a formal request for validation and correction pursuant to Texas Finance Code 392.202 and 392.307, and for reinvestigation under Texas Business & Commerce Code 20.06.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Creative Finance, Inc.
State: WI

Complaint narrative:
To whom it may concern, Monday XX/XX/XXXX late in the evening my vehicle was repossessed by my lender creative finance. The following day XX/XX/XXXX I reached out to the lender to find out what the process would be to retrieve the vehicle. At that time I was told I had to wait for the vehicle to arrive to the tow locations facility, and then they would call me and let me know what the balance would be to pick up my vehicle. At XXXX XXXX  I received a call from a specialist who stated how much it would cost to retrieve and the process. I was told I had to pick up my belongings from where the vehicle was towed, wait for transport to take my vehicle to their facility and once it arrived they would call to schedule an appointment for pick up. Wednesday XX/XX/XXXX I called to inquire on if the vehicle had been transported as well as advising I was ready and prepared to make my payment and retrieve my vehicle. I was told that it was unlikely I would get my vehicle this week and that it would be likely my vehicle would be transported next week XXXX and that would be after cars that have been there before mines. Additionally when they do transport the car they transporting it to their main location XXXX miles away. Based on the emails received and the responses given Im concerned as to if they are going give me my vehicle back in a fair manner. I am trying to make an arrangement to retrieve vehicle and no solution has been given. I desperately need assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: FL

Complaint narrative:
When I tried to renew my vehicle registration, I was unable to do so due to unpaid tolls. I double checked that all bills received were paid. I also logged onto the website for XXXX XXXX XXXX XXXX and confirmed I had no past due charges, and only a few for the tolls incurred since my last statement. I have called and emailed repeatedly requesting a complete accounting of charges incurred for tolls and payments made from the date of the first unpaid tolls through the present day. Ive only been able to obtain a listing of charges from XXXX. I acknowledge that in my husbands effort to autopay this bill, we may have missed a payment. But we paid it. And all other associated charges. But weve been turned over to a collection agency now and Im unable to renew my vehicle registration without double paying the charges and fees Ive already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit 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: Affirm Holdings, Inc
State: KS

Complaint narrative:
Affirm ( a credit firm ) claimed that I made a purchase of " general merchandise '' in the amount of XXXX on XX/XX/XXXXXXXX XXXX XXXX, and that a loan was intitiated for this purchase. I made no purchases of any kind on XX/XX/XXXX, or any date near that day and none any where close to XXXX at all during the month. I contested the charges ( Affirm case # : XXXX ) and several days later I received what appeared to be an automated reply stating that all the " facts '' related to the loan were authentic and the loan was valid and payable. The local police report number is : XXXX. They obviously have not corroborated information with XXXX ( the merchant ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I accumulated {$3400.00} in " Travel Points '' through USAA 's XXXX XXXX Privileges program over several years, primarily by booking cruises through their travel portal. Estimated spending to earn this balance : approximately {$140000.00}. 
In early XX/XX/year>, I attempted to redeem my Travel Points for an upcoming trip. The system would not allow me to apply my full points balance. When I investigated, I discovered three critical restrictions that were never clearly disclosed : PARTIAL PAYMENT ONLY : Travel Points can only " buy down '' the cost of a booking. I can not use my {$3400.00} balance to fully cover any trip I am forced to pay additional money out of pocket regardless of my balance. 
CRUISES AND GUIDED TOURS ONLY : Points can not be redeemed for flights, hotels, or car rentals. Only cruises and guided tour packages qualify. If I do not want another cruise, my points are worthless. 
NO CASH OR TRANSFER OPTIONS : Points can not be converted to cash, statement credit, or transferred to airline/hotel loyalty programs. 

These restrictions were not prominently disclosed while I was earning points. The program displays points as a dollar value ( {$3400.00} ), creating a reasonable expectation of flexible redemption similar to other travel rewards programs. 
After spending an estimated {$140000.00} through USAA 's portal, I earned " rewards '' that can only partially pay for more of the same product I already purchased. The program is administered by a third party, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), based in XXXX, AZ, which has numerous XXXX  complaints for similar issues.

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 2026-01-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Brown and Joseph, Ltd
State: CO

Complaint narrative:
I have been contacted by brown and joseph llc through email about a debt, and i have not received a response back in the mail. They have called me once and have never called back, only emails have been sent and i have not received any response. I have called them more than XXXX times during business hours and they have not put me through with someone that can answer my question. 

The first initial email was sent on XXXX XXXX XXXX XXXX XXXX XXXX email was received on XX/XX/XXXX at XXXX XXXX XXXX email was received on XX/XX/XXXX at XXXX XXXX I had responded to the second email asking for proof of debt, and never recieved a response until XX/XX/XXXX when they sent me an email about not responding to their emails. I dont know how to get a hold of them if they wont respond to my emails or calls about resolving this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I closed my BMO Bank account and was issued a cashiers check for the remaining balance. Multiple banks, including my own, are unable to verify the cashiers check due to an internal verification failure at BMO. 
BMO has acknowledged the issue, reissued the cashiers check more than once, and opened a Resolution Team case ( case number : XXXX ). Despite this, the check continues to fail verification and deposit, including mobile deposit and in-branch attempts. 
This issue has persisted for months and has resulted in denial of access to my funds due to an issuing-bank error. I am requesting immediate resolution via ACH transfer, wire transfer, or another non-check disbursement method.

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 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My mortgage was transferred to chase from XXXX XXXX effective XX/XX/year>. I did not receive the chase welcome letter in sufficient time to accurately update my XXXX  XXXX XXXX bill pay. So my bad I made two errors while updating chase to my bill pay account a ) I used the wrong account number ( I think it may have had an additional digit ( a XXXX perhaps ), and i chose the wrong address supplied for chase by XXXX  XXXX XXXX. that incorrect payment t was sent according to XXXX records on XX/XX/year>. 

when i finally received the chase welcome letter i realized my mistake. I immediately corrected the XXXX bill pay information to reflect the accurate payment information and sent a second payment. Chase applied that payment XXXX i think. 

to be clear I am current on my mortgage, but that first erroneous payment is pending and has not been applied. my guess is it is hung up in a suspense account/unapplied payments account. 

i have made multiple calls and sent multiple emails to both banks to get that erroneous payment credited back to my checking account. Suffice it to say despite my numerous attempts to explain what caused the error and attempts to school them on controls over unapplied payments accounts, both chase 's and XXXX customer service depts are totally useless. 

perhaps you can get chase to return that first incorrect payment that is sitting unapplied in bank limbo back to me thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I had a Capital One XXXX XXXX XXXX that I paid in full on XX/XX/year>. I closed the account the same day. Capital One refused to refund rewards points for a reservation I never used and I no longer wanted to support them. While logging into my account on XX/XX/XXXX for my car loan, I noticed it stated there was a {$400.00} balance on my credit card which was suspicious since I closed the account. The statement shows a {$360.00} interest and fees charge on XX/XX/XXXX, 3 days after I paid and closed the account. Because the account was closed I never looked for additional balances and was then charged a {$29.00} late fee on XX/XX/XXXX. I was again charged for interest on XX/XX/XXXX for {$7.00}. 

I called Capital One on XX/XX/XXXX to ask the fees be removed since the account was paid in full and closed. According to the representative, the interest and fees were from the XXXX amount and it doesn't charge the account until the XXXX of each month. And that this amount " was still owed to them [ Capital One ] ''. She also stated because it's technically a closed account she can not remove the late charge or additional fees and that no one else had authority to do so and that I am responsible for the {$400.00} balance. She advised had I called directly to close the account and pay off the balance this process would have included the interest and fees. However all prompts encourage using online tools and processes before calling in. If the process can not be completed fully online without issue, then it should not be an option and should require all users to have to call in. 

Additionally, I'm not sure how Capital One has the ability to charge a closed account but does not have the ability to remove a charge from a closed account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the late payments information being reported on the above-referenced auto loan account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: OK

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX  - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$0.00} Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief