vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a follow-up to complaint XXXX which was closed without resolution. Chase promised a re-evaluation and response " in a few days '' -- that was over a month ago and I have had nothing but the run-around since then. The mortgage assumption department " can not '' receive calls from the outside -- they may only instigate calls themselves. Trying to speak to someone in escalations results in no action. Finally, it appears that the mortgage assumptions department is entirely off-shore as none of the agents speaks English without a substantial accent. This is extra confusing to deal with since they refuse to provide documentation to support any of their positions. I am considering hiring counsel to pursue an action against Chase and seeking others to form a class action against it for how it is trying to force those of us with low interest mortgages who simply want to remove from the note a co-borrower who is no longer living in the home or paying for the mortgage. A release of liability -- that is all that is needed here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
Hello, I have sent a cease and desist letter to this company saying that I no longer can repay this loan. I have consulted a finance company to try and consolidate my loans. I told this company by email to please stop calling and send me email updates. I explained my situation and they call me every single day, multiple times a day, they have contacted my previous place of employment as well as several family members saying I owe money. I have apologized for not being able to make the payments. I am trying to figure it out but at this point it is very hard for me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
CFPB Complaint Failure to Provide Required Documentation Under Regulation Z ( Third Filing ) Reference : Prior CFPB Complaint # XXXX Summary of Issue : This is my third complaint regarding Goldman Sachs handling of a fraudulent charge on my Apple Card account. This filing specifically addresses Goldman Sachs failure to provide documentation required under Regulation Z, not the underlying fraud dispute. My previous complaint ( # XXXX ) did not resolve the issue because Goldman Sachs refused to provide the evidence and investigation materials I formally requested. Details : After my prior complaint ( XXXX ), Goldman Sachs closed the dispute but did not provide the documentation required under 12 CFR 1026.13, despite my written request. Regulation Z requires creditors to provide consumers with the evidence and documentation relied upon in their investigation. In my prior complaint and subsequent written request, I specifically asked Goldman Sachs to provide : All documents and evidence used in their investigation Merchant transaction records, including any receipts, logs, or data obtained Any communications between Goldman Sachs and the merchant A written description of the investigation conducted The basis for their determination that the charge was valid Goldman Sachs refused to provide these items, stating they would not release the documentation. This refusal prevents me from verifying whether a proper investigation occurred and constitutes a procedural violation of Regulation Z. Regulation Z requires creditors to : 1. Conduct a reasonable investigation 2. Provide the consumer with copies of all documents relied upon 3. Provide a written explanation of the findings 4. Correct the account or provide evidence supporting the denial Goldman Sachs has not complied with these requirements. Why I am filing again : My previous CFPB complaint addressed the fraudulent charge itself. After speaking with the CFPB by phone, I was informed that I must file a separate complaint specifically for Goldman Sachs failure to provide required documentation under Regulation Z. This complaint is therefore focused solely on their procedural noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was told my account was closed by my request and that was a lie. Wells Fargo closed my account XX/XX/XXXX and closed my debit cards also. I had no access to the accounts unless I went into the bank personally, because I disputed a transaction in XX/XX/XXXX. Wells Fargo do not value their customers, I wish I had never opened any accounts with them. Wells Fargo left one of the accounts opened only to place the disputed transaction into that account only to confiscate my XXXX benefits.

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 2026-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I am requesting : A full review of how my payments were applied during the trial plan periods A correction of any inaccurate or misleading credit reporting Consideration of a retroactive adjustment to reflect my account as current, or removal of late payment reporting during the periods I was making full, on-time payments under the agreed plans I believe the current reporting does not accurately reflect my payment activity and is unfair given my compliance with the servicers repayment plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
Round point mortgage wrongfully force opened an escrow account and stated I had not paid my property taxes. This was false. I had paid them. They just were not immediately notified. When I told them I paid the property taxes for the year already, they said sorry we already opened an escrow account, you need to get a refund from the XXXX XXXX treasury department. Which I did. Once I got my refund of {$3200.00} I noticed my monthly mortgage payment changed by {$520.00}. Over XXXX additional per year for taxes that amounted to {$3200.00}. They told me if I want my mortgage to go back to what it was I need to pay off the negative escrow balance. I just completed the last payment of the escrow balance. There is no shortage and the balance is POSITIVE. Now they are still refusing to remove the additional {$410.00} per month escrow payment. Totaling {$4900.00} per year, when the property taxes again are under $ XXXX for the year. I called to complain and they said there was a shortage. I asked where. They could not tell me. The entire escrow account has been paid and they are still taking almost $ XXXX from me per year when I have always paid my property taxes separate and on time. After not being able to provide the shortage amount anywhere on my documents or statements, the agent changed her tune and said sorry we can not remove the escrow account because your tax payment back in XXXX was delinquent. This is false. My payment was never late. They simply were not notified because they had just taken over the mortgage from XXXX and it had no property taxes taken out. They are dishonest and stealing money from me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Recovery Services, LLC
State: ID

Complaint narrative:
I am filing a complaint against Medical Recovery Services regarding a medical debt collection attempt. On or about XX/XX/XXXX, I received a letter containing language that I believe is misleading and in violation of the Fair Debt Collection Practices Act ( FDCPA ). The letter stated : Do you realize what we can instruct the sheriff to do? With a judgment, our attorney can have the sheriff garnish your wages ; garnish your checking or savings account ; levy on anything you own This language is intimidating and implies that the collector has the authority to immediately direct a sheriff to take action. However, such actions can not occur without a court judgment following proper legal proceedings. The tone and wording appear designed to mislead and pressure payment through fear. Additionally, the letter imposed a 72-hour deadline to avoid legal action, which I believe is an unfair and coercive tactic. I am requesting that this matter be investigated and that the company be required to provide proper validation of the debt and cease any misleading or deceptive collection practices. I have retained copies of the letter as documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I received a notification about a apartment saying I owed XXXX $ on a account that i didnt owe and i called the apartments to see why false information was put on my credit account without my consent and I was told they had no documentation of me owing anything and to dispute it because it could be a error when I asked about providing proof of everything .. Im very heartbroken and I need this to be removed from my credit account asap as it is reflecting a negative perception of me and is causing strenuous stress to my lively hood.. I am being charged for utility bills at HUD SUBSIDIZED Apartment where it is ILLEGAL To pay utility when receiving utility checks from the government. PLEASE REMOVE OR I WILL SEEK LEGAL ACTIONS AGAINST THE ACCUSER. Also the move out date is incorrect so Im also falsely being accused of money from when i wasnt living at the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft and previously filed a fraud affidavit on XX/XX/XXXX. I also filed a report with the Federal Trade Commission ( FTC ) in XX/XX/XXXX, and these fraudulent items have not been removed. The accounts currently being reported on my credit fileincluding XXXX XXXX XXXX ( opened XX/XX/XXXX, balance {$1200.00} ), XXXX XXXX Bank ( opened XX/XX/XXXX, charged off {$820.00} ), XXXX ( opened XX/XX/XXXX, balance {$2000.00} ), and XXXX XXXX ( opened XX/XX/XXXX, collection balance {$3200.00} ) were opened without my knowledge or authorization. I have never entered into any agreement for these accounts and have received no benefit from them. I am requesting that all listed items be immediately removed from my credit report in accordance with the Fair Credit Reporting Act, and I certify under penalty of perjury that this statement is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing a complaint regarding an alleged debt being reported and collected by Resurgent Capital Services on behalf of LVNV Funding LLC. I submitted two separate written requests for debt validation for a purchased account, XXXX XXXX XXXX XXXX, in the amount totalling {$770.00}. In response, the company provided only a generic account summary and a partial credit card statement showing only interest and late fees, not to include any purchases. The total owed does not add up per the documentation provided from my request. These responses do not constitute proper validation. The company failed to provide : - A complete payment and transaction history - An itemized breakdown showing how the balance was calculated - A signed agreement or contract bearing my signature - Adequate documentation establishing their legal ownership of the debt Despite multiple requests, the debt remains unverified. Additionally, this account continues to be reported to the credit bureaus as verified, even though sufficient documentation has not been provided. This raises concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), which requires that information reported be accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a XXXX XXXX store credit card issued by Barclays. Due to forgetting the account existed, I fell behind on payments beginning XX/XX/XXXX. The account progressed through 30, 60, 90, 120, 150, and 180 days past due, then charged off in XX/XX/XXXX. Once I became aware of the delinquency, I contacted Barclays and resolved the account through a negotiated settlement, closing the account in XX/XX/XXXX. The total amount written off by Barclays was only {$230.00}, meaning I paid the substantial majority of the balance owed. The account currently reports on my credit files as " Paid in Settlement '' with six months of late payment history, four months of charge-off notations, and the settlement notation itself. This reporting is accurate. I am not disputing the accuracy of the information. On XX/XX/XXXX, I contacted Barclays customer service by phone to request a goodwill adjustment on this account and to be directed to the Executive Office, Customer Advocacy team, or any department with authority to review goodwill requests. The representative stated that she " does not know how credit agencies work '' and was unfamiliar with the concept of a goodwill letter or goodwill adjustment. She offered to send a finalization letter in 7 to 30 days, but could not direct me to any team that handles goodwill requests or account history reviews. I am formally requesting that Barclays ' Executive Response team review this account for a goodwill adjustment. Given that : <> The account has been resolved and closed since XX/XX/XXXX <> Barclays ' total loss on the account was only {$230.00} <> I have maintained my other credit accounts in good standing I am respectfully requesting one of the following goodwill remedies : <>Full deletion of the tradeline from all three credit bureaus as a one-time courtesy, OR <> At minimum, update the account status from " Paid in Settlement '' to " Paid '' and remove the charge-off notations and late payment history reported to the credit bureaus. I am requesting a response from a representative with authority to review and grant goodwill adjustments. Thank you for your time and consideration.

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 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am requesting that LVNV Funding LLC remove this collection account from my credit report, as the debt does not belong to me. Please provide proper verification of this debt, including a signed application or any documentation bearing my signature and identification that proves I am responsible for this account. If you are unable to provide such documentation, you are required to remove this account in accordance with applicable law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am disputing the denial of fraud claim # XXXX. Wells Fargo denied a {$210.00} " swiped '' charge at XXXX XXXX in XXXX, GA, on XX/XX/year>, claiming the card was in my possession. This is factually and geographically impossible. 1. Timeline & Ski Trip Alibi : On XX/XX/year>, I was on a ski trip at XXXX XXXX ( XXXX, CA ). My statement shows a " XXXX XXXX XXXX '' in XXXX, CA, that day. I drove home to XXXX XXXX that evening. On XX/XX/year> ( the day of the fraud ), I was in XXXX XXXX, where I Authorized a transaction for the XXXX XXXX XXXX XXXX. I was XXXX miles away from Georgia. 2. Evidence of a Counterfeit Clone : The fraudulent charge was a " Swipe. '' I have always been in possession of my physical card. Because my card has a functioning EMV chip, a " swipe '' at a XXXX XXXX proves a counterfeit cloned magnetic stripe was used. 3. Immediate Cancellation & Replacement : Upon discovering the fraud, I immediately contacted Wells Fargo on XX/XX/year> to dispute the charge and cancel the compromised card. That card was deactivated and destroyed, and a new card was issued. If I had been the one in Georgia, I would not have immediately killed my own card and reported the theft. 4. Fair Resolution : Wells Fargos investigation failed to account for geographic impossibility and the " swipe '' entry mode. I request the permanent restoration of the {$210.00} and the cancellation of the fund reversal scheduled for XX/XX/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 monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I am writing to formally escalate a serious issue regarding the unexpected closure of all my personal and business accounts with PNC Bank. Without prior notice or clear explanation, my accounts were closed and flagged. In addition, I have multiple business accounts that were linked to my personal accounts, and there are funds that have been sitting in these accounts for several months with no access provided to me. I have made numerous attempts to resolve this matter by contacting customer service and speaking with various representatives, yet no one has been able to provide me with a clear explanation as to why my accounts were closed or, more importantly, where my funds currently are and how I can retrieve them. This situation has placed me in an extremely difficult position. Due to the way my accounts have been flagged, I have been unable to open new bank accounts elsewhere. As a business owner, this has significantly disrupted my operations and caused ongoing financial and professional hardship. I am extremely disappointed in how this matter has been handled. The lack of communication, accountability, and urgency from PNC has made this a highly stressful and frustrating experience. At this point, it feels as though my concerns are not being taken seriously, and that PNC is not prioritizing the well-being of its customers. I need to retrieve my funds from PNC accounts and start a new bank account with another bank and I can not because of this ongoing issue since XX/XX/2025 I have not had a bank account and in todays age and time this has been very difficult. I appreciate your immediate attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Atlanticus Services Corporation
State: MS

Complaint narrative:
I was told by XXXX XXXX that XXXX XXXX XXXX gave them information about the status of my account and whether it was paid off or not and how much I owed. I didnt authorize that information to be given to any one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I have been receiving text messages with a hyper link for payment but no explanation of what the payment is for. I called the company and spoke with XXXX about the text messages and she needed to verify my information and identity. I was then informed that it would be a {$1.00} fee for the information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: MO

Complaint narrative:
in XX/XX/XXXX I contacted my mortgage company at the time XXXX XXXX. I had some unexpected expenses and realized I was going to miss my XXXX payment. I requested a loan modification to move that payment to the end of the loan and was approved pending three trial payments. I made those three payments on time for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. XXXX XXXXr was then taken over by rocket mortgage who Misapplied XXXX of my payments and it took about 2 months and 20 phone calls to get it resolved. The entire time they admitted that it was their error but they still could not get it corrected. finally they got it corrected and sent me loan modification documents to have signed and notarized. I returned those documents on time over a month ago. from XX/XX/XXXX until today XX/XX/XXXX rocket mortgage is called me everyday and left me messages telling me that I'm delinquent and I need to call them so I call them about once a week and say I'm not delinquent can you please get this corrected. last week I was told that it was XXXX XXXX XXXX fault and that it looks like it should be resolved in a day or two. It's now been a week and it's still not resolved so for 6 months my account has shown as delinquent when it hasn't been. It's caused me tons of stress over the 6 months as well as dozens of hours on the telephone calling rocket mortgage. but my main concern is how it may be affecting my credit score. they need to get this resolved quickly. Thank you for your help!

Company response to consumer: Closed with explanation