vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 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:
In XX/XX/year>, I contacted the mortgage servicer to request assistance before missing any payments. They delayed approving a Trial Payment Plan until XXXX, which required me to make payments in XXXX, XXXX, and XXXX. I completed all three trial payments. 

In XX/XX/year>, I submitted XXXX legally executed and recorded quitclaim deeds establishing me as the owner. However, the servicer refused to acknowledge my ownership and insisted on keeping the original borrowers ( my parents ) on the account, despite also denying me the ability to open a new account in my own name. 

In XX/XX/year>, I was offered a permanent loan modification. I called the servicer, and they instructed me to sign as Power of Attorney ( POA ) for the original borrowers. I followed their directions and returned the signed documents using their mobile notary service. I met their deadline ( XXXX XXXX XXXX XXXX 

On XX/XX/year>, the servicer rejected the documents, citing POA as the reason despite having told me to sign as POA. Meanwhile, the account was locked and I was unable to make payments online. They now claim I have not paid since XXXX, but I have XXXX full payments that remain unapplied in their system. 

The company also changed the insurance provider ( due to a mortgagee clause issue involving XXXX XXXX ), causing an escrow disruption that increased my monthly payments. The servicer claims no error occurred under RESPA, but HUD is now reviewing the case. 

The servicer has refused to correct the account, continues to reject POA authority, misstates the default status, and is threatening foreclosure despite their own servicing actions causing the problem.

Im asking CFPB to review this situation urgently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Incorrect payoff calculation and improper application of post-loss payment I am disputing the payoff amount used on my auto loan after my vehicle was declared a total loss. VyStar Credit Union has stated that the payoff was requested on or about XX/XX/year>, citing a XXXX payoff rule. 

However, my loan transaction history shows that as of earlymid XXXX, my principal balance was approximately {$16000.00}. Even when accounting for XXXX days of per-diem interest and applicable fees, the payoff amount should not mathematically exceed approximately {$16000.00}. 

Despite this, VyStar used a payoff figure of approximately {$16000.00}, which does not reconcile with my account ledger or standard interest accrual. VyStar has been unable to provide the actual payoff quote generated on XX/XX/year> or an itemized breakdown explaining how this amount was calculated. 

As a result, a post-loss payment of {$420.00} was absorbed into the payoff, which I believe was improper due to the inflated payoff balance. VyStar has alternately blamed insurance and XXXX providers, both of whom deny directing the payoff calculation. 

I am requesting : XXXX. The official payoff quote generated on or about XX/XX/year>, including per-diem interest and itemized charges XXXX. A written explanation reconciling the payoff amount with my transaction history XXXX. Refund of the improperly applied {$420.00} payment if the payoff is confirmed to be overstated I believe this constitutes an incorrect payoff calculation and misapplication of payments.

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 2026-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
This happened over a year ago. A person emailed me posing te be an employer. I bought the scam thinking about the opportunity of making money. Immediatelyit was sketchy. I was asked to make deposits to a charity and I would be able to keep some of the money because I was doing an assistantship he was a foreign business man in need of an assistant. I was like ok ; I did not know that my account could be block indefinitely. 

To continue the story he kept asking for money from me first. Then sent the checks after I said I didn't have the money to send. So he sent the checks. I posted the checks and but the money was held. Then I was suspended and now I am unable to banknwirh USAA anymore and I am a service member full time with no bad financial background of any type. 

I received several emails that were similar to do this. The emails were sent to my school e-mail I went XXXX while in the reserves. I do not have any of the emails any more but USAA might have some transcripts of an email I sent, but I even had number at XXXX point. I deleted the number and emails cause they were junk. I was so confused like why I kept receiving offers like that. I was like okimg for job on indeed, linked in. 


The funds were not processed then my account was suspended due to the fraudulent checks that I had no idea were fraudulent being made within 6 months of creation of the email that I had no idea of. I do not have a background of being a fraudster but usaa will not reinstate. 

I am in the military, a college graduate, and I need the incentives that having a USAA membership gives to me as a servicemember.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, my XXXX account was restricted for alleged suspicious activity. I visited a branch in person and was informed that the account was scheduled to be closed within XXXX days, although no specific reason for the restriction or closure was provided. After repeated follow-ups, I was transferred in XXXX to the Court Orders and XXXX Department and advised that my account had been assigned to Detective Gulium. At his request, I provided documentation verifying my income. After completing his review, XXXX XXXX informed me that no suspicious activity was found and that the associated court order or XXXX was lifted, and he confirmed that XXXX was notified of these findings. Despite this, my account was neither closed nor were my remaining funds released. I was later advised that a check would be issued, which did not occur, and subsequent communications with XXXX resulted in inconsistent and contradictory explanations regarding the status of my account. As of XX/XX/XXXX, more than 126 days have passed since the initial restriction, and although both the Court Orders and XXXX Department and Detective XXXX have confirmed that no hold exists and the investigation is complete, my account remains restricted, my funds have not been returned, and I have received no written explanation supporting the continued hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PLAID INC.
State: SC

Complaint narrative:
I'm filing this complaint about ongoing problems linking my bank accounts, checking/savings, credit cards, debit cards, and brokerage accounts to personal finance apps ( likely using Plaid or similar aggregators ). I've spent hoursmultiple sessions over daystrying to connect everything so I can properly track finances for upcoming travel. Issues include : - Passwords not accepted despite resets - Being transferred between departments - Told suddenly I don't have a brokerage account that exists - Arbitrary limits on how many accounts/cards I can link - Forced to apply for new cards just to get around restrictions This isn't isolatedonline searches show thousands of similar complaints : - Plaid errors like incompatible settings, XXXX blocks , temporary outages, or institutions not connecting reliably - Users on XXXX and XXXX report locked accounts, failed verifications, and hours wasted troubleshooting - Past CFPB actions and lawsuits against Plaid highlight data/privacy concerns tied to linking These barriers prevent seamless account aggregation, which should be simple and unlimited for consumers. On a larger scale, this affects XXXX  daily and slows the economy big time. XXXX already spend nearly four hours a day thinking about money ( per recent surveys ), with financial stress costing employers over {$180.00} XXXX annually in lost productivity ( workers lose seven-plus hours a week distracted ). When basic tasks like linking accounts take hours per personand multiply that across the populationit adds up to massive wasted time, reduced spending confidence, delayed financial decisions, and lower overall economic velocity. Smoother systems would free up XXXX  in productive hours and boost consumer activity. I request the CFPB investigate these linking limits, verification failures, and aggregator practices to make account connection frictionless and unlimited

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: KY

Complaint narrative:
I am submitting this complaint regarding a solar financing obligation serviced by GoodLeap, LLC that arose from a transaction induced by installer misconduct, material misrepresentations, and resulting property damage. 

The solar system was installed on XX/XX/XXXX by XXXX XXXX. Shortly thereafter, on XX/XX/XXXX, the Kentucky Attorney XXXX XXXX initiated enforcement action related to deceptive practices by the installer. The conduct alleged by the Attorney General matches what occurred in my transaction, including misrepresentations regarding eligibility for solar tax credits and improper installation practices that caused damage to my home. 

I notified GoodLeap, LLC representatives by telephone of these issues and explained that the installation caused property damage and that the transaction was defective. These issues were not resolved. I also filed a complaint with the Kentucky Attorney XXXX XXXX regarding the installer and related transaction. 

Despite notice of installer misconduct, property damage, and an unresolved dispute, GoodLeap, LLC has continued to issue recurring monthly billing statements and collection communications as if the obligation were undisputed. XXXX has also asserted a XXXX financing statement claiming a security interest in the solar equipment associated with this defective transaction. 

In addition, GoodLeap, LLC has reported negative information regarding this account to consumer reporting agencies on a recurring monthly basis, despite the obligation being disputed. This reporting has continued without resolution of the dispute and without clarification that the account is contested, causing ongoing harm. 

On XX/XX/XXXX I sent formal written notice disputing the account in its entirety and requesting validation and documentation by certified mail to GoodLeap, LLCXXXX XXXX Department and Chief Financial XXXX. As of the date of this complaint, the dispute remains unresolved, billing and credit reporting continue, and no validation has been provided. 

I am requesting review of GoodLeap, LLCXXXX handling of this account, including continued billing and collection during an unresolved dispute, credit reporting practices while the obligation is contested, and the continued assertion of a security interest arising from a transaction induced by deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX, XXXX  & TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
XXXXCalled Bank of America to close my credit card to consolidate credit limits. Spoke to XXXX XXXX who said if I keep card open and spend {$1000.00} ( XXXX XXXX and XXXX ) in purchases within 90 days, I would get {$170.00} statement credit. I repeated the amount and she confirmed so I kept card and met the required purchase. 

XXXXCalled back and spoke to XXXX XXXX to inquire about when it would post to my statement. He said I had to wait until my statement closed for it to post. 

1 week later I called back to speak to XXXX XXXX and he said I had to still wait. 

XXXXCalled back and spoke to XXXX XXXX for update. On phone for 2 hours and 15 minutes. He entered a ticket # XXXX and said I needed to allow 7-10 days. 

XXXX-I received a letter from Bank of America stating that I did not earn the {$170.00} credit because I did not spend {$1500.00}. This is not the amount I was told in the original call. I called back to ask for a supervisor. Spoke to XXXX XXXX ID # XXXX. She said I had no resolution so I asked to escalate. She entered complaint # XXXX. Was on the phone for 1 hour and 18 minutes. Then spoke to XXXX XXXX for another 45 minutes and he said he was the end of the escalating and there was nothing that I could do.

I have been an active Bank of America cardmember since 2004, over 20 years. I have never been late and have always paid my full balance within 30 days. My request is to receive the full {$170.00} credit balance that I was offered. I was told XXXX XXXX is no longer with their company as well.

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 2026-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I HAVE DISPUTED MY STUDENT LOANX 5 TIMES ANT I STILL HAVE THE THING.

my loans AVE CONSALIDATED the 5 loans are suoposed to BE REMOVE. AND HAVE 90 DAYS. THE OTHER BUEAUS HAVE THE RIGHT TO INFO

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a regular traveler with XXXX XXXX. On several occasions, I was invited to apply for the XXXX XXXX Credit Card issued by CitiBank to take advantage of travel benefits. Consequently, I submitted my application for that credit card last XXXX, with my credit score exceeding XXXX. 

Subsequently, I discovered that CitiBank had conducted a credit inquiry, resulting in a XXXX decrease in my credit score. Following this, I received a letter instructing me to call a toll-free number for further information. 

When I called, the representatives were exceedingly unprofessional and discourteous during the conversation, repeatedly stating that they could not provide me with any information! 

Ultimately, I decided to cancel my application and requested that my credit be restored, as I had neither received my card nor continued with the application process! 
Ref # CITI CARDS CBNA

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
CapitalOne changed my debit card from XXXX to XXXX. I did not ask for that, nor did I want that. When the XXXXXXXX XXXX arrived in the mail, I cut it in half and threw it away. I then transferred all of my money into a new bank account, outside of CapitalOne. I have tried to close the account, but my phone number on file is old and I can not verify my account. Twice, per their request, I have sent them copies of my driver 's license ( front and back ), but they said that is not enough to verify me. 

Once I transferred my money out, all recurring payments were being denied. That is good. But XXXX payment was denied XXXX times, and then CapitalOne paid it and gave me a negative balance. 

I filed a complaint with the XXXX and their response was that they can not close accounts through a 3rd party service and can not close accounts with a negative balance. 

When I call, they can't help me because I can't verify my phone number. I can't resolve the negative balance because I need a verification code sent to my non-working phone number to log in to their website or mobile app. 

I am stuck and can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: AR

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Unions denial of my fraud claim for an unauthorized debit card transaction totaling {$400.00}.

Navy Federal denied my original claim, appeal, and re-appeal, stating that I authorized and/or participated in the transaction. This determination is incorrect and unsupported.

I did not authorize, participate in, or benefit from the transaction. Navy Federal has not provided the evidence used to reach this conclusion despite my formal request. 

A provisional credit was issued and is now scheduled to be reversed on XX/XX/year>, which will cause financial harm while the matter remains disputed. 

I am requesting that Navy Federal : Provide all documentation used to determine authorization Conduct a full and fair reinvestigation Correct the determination and restore the disputed funds I am requesting CFPB review due to improper handling of an unauthorized transaction and failure to adequately substantiate the denial.

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 2026-01-22 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: I.C. System, Inc.
State: WI

Complaint narrative:
I am filing a complaint regarding inaccurate and harmful credit reporting by IC Systems.

The collection account in question is reported as follows : Creditor / Collection Agency : IC Systems Original Creditor : IC Systems Reported Balance : {$120.00} Account Status : Open / Collection Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This account has been PAID IN FULL. There is no remaining balance owed.

Despite the account being paid, IC Systems continues to report this collection tradeline on my credit report. This is unnecessary, harmful, and punitive reporting that serves no legitimate purpose, as the debt has already been satisfied in full.

The continued reporting of a paid collection is damaging my credit profile, harming my ability to obtain credit, and misrepresents my current financial obligations.

I am formally requesting : Immediate deletion of this tradeline from all credit bureaus ( XXXX XXXX, and XXXX  ). 

IC Systems has already received full payment. There is no business or legal justification for continuing to report this collection account.

If this inaccurate reporting is not corrected immediately, I am requesting regulatory intervention under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

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