vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: BROKER SOLUTIONS, INC.
State: MO

Complaint narrative:
I applied for a home loan in XXXX of XXXX. The underwriter requested a letter from my company at the time on company letterhead verifying my employment. It was from XXXX and signed by either XXXX XXXX or XXXX XXXX or both. I reached out to New American Funding and they repeatedly told me they can't give it to borrowers. I am filing a complaint because these files should be given to me. The loan is paid off now as we sold our home this month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I noticed a pending transaction for {$2600.00} on my checking account. It showed PayPal XXXX XXXX. When I contacted PayPal, I was told the transaction was authorized as payment for an amount I had not authorized and did not owe. The funds were being transferred to my PayPal Credit card through Synchrony Bank. I was transferred multiple times between PayPal and Synchrony without receiving a resolution. I conducted my own research and discovered more than a dozen unauthorized transactions involving PayPal over several months. I also discovered unauthorized addresses associated with my account. Despite evidence that these transactions were fraudulent, I have not been reimbursed. The total amount of unauthorized transactions exceeds {$5000.00}. When I contacted XXXX to dispute the transactions, I was informed that although the matter is under investigation, no provisional credit would be provided. As a result, I am being denied access to thousands of dollars while these companies investigate fraudulent activity that I reported immediately. I am requesting that XXXX and XXXX provide immediate provisional credit and fully reimburse all unauthorized transactions associated with this fraud.

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 2026-06-01 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: NC

Complaint narrative:
On XX/XX/year>, between XXXX XXXX and XXXX XXXX XXXX, an unauthorized third party executed an account takeover cybercrime on a linked online merchant profile, initiating four fraudulent transactions totaling {$3200.00} against my debit card. I filed a formal dispute with XXXX XXXX XXXX XXXX on XX/XX/year>. Chime 's automated system issued an immediate rejection in under XXXX hours without XXXX XXXX On XX/XX/year>, I contacted support to initiate a formal reinvestigation ( DisputXXXX XXXX XXXXXXXX ) and utilized the secure upload portal to provide technical hardware firewall logs proving XXXX local XXXX XXXX to the merchant during the breach window. Chime completely closed and denied the reinvestigation on the exact same day it was opened, entirely failing to conduct a reasonable, good-faith human investigation or evaluate the technical evidence. Under the Electronic Fund Transfer Act ( Regulation E ), the financial institution has failed to fulfill its legal burden of proof to demonstrate these unauthorized transfers were consumer-authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am filing a formal complaint against Midland Credit Management , Inc. for violating the Fair Credit Reporting Act ( FCRA ) by illegally re-aging a debt. Midland purchased an old, defaulted XXXX XXXXXXXX credit card account and is reporting a fraudulent 'Date Opened ' of XX/XX/XXXX on my credit files. I have attached irrefutable email evidence showing the account application was approved in XX/XX/XXXX, and the account faced final closure and default by XX/XX/XXXX. Because I never made a single payment on this account, the true original date of delinquency is early XXXX. By advancing the date to late XXXX, Midland is illegally re-aging the trade line. Furthermore, as a resident of XXXX, this XXXX default is completely past XXXX XXXX strict XXXX statute of limitations and is legally extinguished under XXXX. XXXX XXXX. XXXX. Because Midland is reporting an inaccurate timeline and incomplete data metrics, I demand this non-compliant trade line ( Account XXXX XXXX XXXX XXXX XXXX ) be permanently deleted from my XXXX XXXX and XXXX files immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: GA

Complaint narrative:
On XX/XX/year> I received a letter from XXXX XXXX of XXXX XXXX about a lawsuit that Crown Asset management file against me for the amount of {$8300.00} also they file a judgment against me to garnish my wage. They bring me to court and the court date is on XX/XX/year>. Crown Asset Management asking me to pay {$200.00} a month to them. I don't owe them and I never had any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
Subject : AmWest Funding Co. Underwriting Error and Failure to Properly Evaluate Loss Mitigation Household Income Complaint Details : I am filing this complaint against AmWest Funding Co. regarding Loan Number XXXX. AmWest has issued a boilerplate final denial for a loan modification, stating that a " different decision was not warranted, '' without providing a transparent financial breakdown or accounting for verified household income. My household income completely supports a standard modification under industry guidelines. Our mortgage balance is approximately {$860000.00} ( including a {$55000.00} delinquency balance that I am seeking to capitalize ). I am currently only receiving standard monthly past-due notices, and no foreclosure sale date has been scheduled. I have submitted a complete financial package showing a total monthly household income of {$14000.00}. Because multiple sources are non-taxable, standard underwriting guidelines require a 125 % " gross-up, '' bringing my true qualifying gross income to {$16000.00}. The exact income breakdown submitted to AmWest consists of : XXXX. Borrower XXXX Benefits : {$4000.00} ( XXXX qualifies for {$5000.00} grossed up ) XXXX. XXXX XXXX XXXX XXXX XXXX : {$4000.00} ( Non-Taxable qualifies for {$5000.00} grossed up ) XXXX. Verified Self-Employment ( Mobile Nail Service ) : {$3400.00} ( Fully documented ) XXXX. Household Contributor ( XXXX ) : {$1200.00} ( Fully documented with statements, residency proof ) XXXX. Household Contributor ( XXXX ) : {$2000.00} ( Fully documented with paystubs and residency proof ) Base Cash Total : {$14000.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} An estimated modified payment on an ~ {$860000.00} balance ( including principal, interest, taxes, and insurance ) ranges between {$5100.00} and {$5300.00}. Against our true qualifying income of {$16000.00}, this yields a front-end Debt-to-Income ( XXXX ) ratio of approximately 31.1 % to 31.7 %. This falls perfectly within acceptable industry modification thresholds. AmWest Funding is either failing to combine compliant household income, failing to apply mandatory non-taxable gross-up rules, or improperly evaluating documented contributor income. They have closed my file internally and refused to explain their math or provide a line-by-line income calculation breakdown. Requested Resolution : I request that an executive compliance manager at AmWest Funding manually audit this file, provide the exact line-by-line gross income calculations used by the underwriter to justify the denial, and properly re-evaluate this complete loss mitigation package using the documented {$16000.00} qualifying income.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, VALON MORTGAGE made an unnecessary payment to our insurer in the amount of {$4100.00} for a policy that we had already paid for in Full on XX/XX/year>. VALON had been informed by the Insurance Broker, XXXX, that the policy had been paid in advance, however, it seems that information did not get updated accurately by VALON MORTGAGE, which is a common problem with VALON as it run by an algorithm instead of by Human Beings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX Bank Of America closed my checking account after XXXX years because i made a XXXX deposit but with a mistake it posted as XXXX a mistake on my part. But now there trying to hold my XXXX payment for XXXX deposit on XX/XX/year>. Telling me that there going to hold my funds until XXXX XXXX which is unacceptable. There are pending disputes that i did not authorize these disputes .There are XXXX and XXXX dispute 's that they are saying that's still pending which i didn't file.

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 2026-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: IL

Complaint narrative:
I am disputing inaccurate mortgage account status information being furnished by Midland Mortgage XXXX MidFirst Bank regarding my FHA mortgage loan. Midland Mortgage approved and completed a XXXX Partial Claim and mortgage assistance plan that brought my mortgage loan current. Following completion of the assistance plan, Midland Mortgage notified me that my FHA mortgage had been brought current. Despite this, XXXX is currently reporting my mortgage account as 180 days past due and reporting a {$17000.00} past-due balance. XXXX and XXXX both report the same mortgage account with a {$0.00} past-due balance and a current payment status. Because the same account is being reported differently among the nationwide consumer reporting agencies, I dispute the accuracy, completeness, and consistency of the information being furnished regarding this account. I previously attempted to resolve this issue and have provided supporting documentation, including Midland Mortgage correspondence confirming the loan was brought current through the approved assistance plan. I request a complete investigation of the information being furnished to XXXX, including the account status, payment history, and reported past-due balance. I further request the Method of Verification, XXXX XXXX furnishing records, payment ledgers, account notes, and documentation supporting the reported XXXX 2026 XXXX delinquency and {$17000.00} past-due balance. If the disputed information can not be verified through competent documentary evidence, I request deletion of the inaccurate reporting and correction of my consumer file.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am writing to complain about Zelle. On XX/XX/year>, I accidentally zelled {$500.00} to a wrong recipient under XXXX and his name is XXXX XXXX, he texted me how he return the money to me. Immediately realizing the mistake, I called him and he did answer the phone and acknowledged that he did receive the money by mistake. I called XXXX XXXX to report this mistake and my dispute was denied and I was told that it is Zelle 's responsibility to investigate this transaction. Zelle doesn't have provide any guidance or remedy to resolve this...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am filing this formal complaint against NewRez LLC for what can only be described as ongoing financial harassment, predatory billing practices, and a complete lack of corporate empathy or competence. Last year, my home and my entire community were completely destroyed in the XXXXXXXX XXXX XXXX XXXXXXXX California. Today, my property is nothing but a dirt lot. Despite losing everything, I have continued to honor my financial obligations and pay my mortgage. NewRez, however, has chosen to respond to this tragedy by repeatedly exploiting me. Over the past year, I have been subjected to a continuous cycle of phantom charges. NewRez consistently slaps " inspection fees '' onto a property that literally no longer exists. Furthermore, they have charged me late fees during periods when a XXXX had already paid my account far in advance. Every single month, I am forced to call NewRez to dispute these erroneous charges. Each time, I am forced to endure their tedious dispute process. Each time, I am assured by customer service representatives that the issue is permanently resolved and the fees are removed. Yet, like clockwork, a month later, the exact same invalid fees reappear on my statement. This is not a simple accounting glitch ; it is systemic harassment. Today, XX/XX/year>, I spoke with a supervisor who displayed a shocking level of callousness. She dismissed my legitimate grievances, telling me they were " just fees '' and that I shouldn't worry about it. When I demanded an explanation as to why these fees keep appearing on a nonexistent structure, she could not provide XXXX. When I demanded to escalate the call to her superior, she flatly refused to let me speak to anyone else. This ongoing battle is destroying me emotionally. I survive with XXXX triggered by the total loss of my home. XXXX forced to fight my mortgage company every 30 days just to stop them from wrongfully taking my money is actively detrimental to my mental health. It is cruel, it is unjust, and it feels entirely criminal.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD

Complaint narrative:
COMPLAINANT : XXXX XXXX XXXX RESPONDENT INSTITUTION : Capital One , N.A . ACCOUNT TYPE : Unrestricted Checking/Depository Account TOTAL DEPOSITORY ASSETS : {$710000.00} FUNDS WITHHELD : {$440000.00} ( Cashier 's Check ) & {$10000.00} ( Cash Withdrawal ) SUBJECT : XXXX XXXX XXXX of Non-Restricted Consumer Capital, Violations of the Consumer Financial Protection Act ( UDAAP ), and Accruing Material Consequential Damages. This is a formal petition for emergency regulatory enforcement against Capital One , N.A . As of XX/XX/year>, Capital One is unlawfully withholding access to my fully cleared, liquid depository funds totaling {$710000.00}. Both Capital Ones internal telephone network and its public consumer portal explicitly confirm that my account has XXXX restrictions, XXXX fraud holds, and XXXX identity verification gaps. Despite full cooperation for over XXXX ( XXXX ) consecutive hours at a physical branch on XX/XX/year>, branch staff refused to issue a required {$440000.00} cashier 's check or process a {$10000.00} cash withdrawal due to unpublicized system software caps and terminal lockouts. Under extreme duress and executive-level escalation, the bank has unilaterally delayed the return of my legal property until a scheduled appointment on XX/XX/year>, at XXXXXXXX XXXX ACTIVE AND ROLLING CONSEQUENTIAL FINANCIAL DAMAGES : Capital One 's failure to perform its primary banking obligation on demand has directly triggered severe, cascading financial injuries : Actual Liquidation Loss : I was forced to miss a scheduled flight due to the 5-hour detention inside the branch, resulting in a {$400.00} out-of-pocket cancellation loss. Active XXXXXXXX XXXX XXXX XXXX XXXX ) : Because Capital One failed to produce the {$440000.00} closing funds today, my physical moving logistics have completely failed. I am now contractually forced to execute an emergency " rent-back '' agreement at a penalty rate of {$250.00} per day to retain temporary shelter. This damage figures compounds every 24 hours until all funds are released. Contractual Breach Risk : This capital directly funds an active {$440000.00} Recreational Vehicle ( XXXX ) contract. Capital One 's unnotified hold actively places this purchase agreement in severe jeopardy of default. REMEDIAL ACTION REQUESTED : I request that the XXXX, CFPB, and FDIC compel Capital One , N.A . to immediately release the {$440000.00} in certified funds and close the remaining balance via wire transfer tomorrow morning without forcing me to sign any liability waivers. I further demand a regulatory investigation into Capital One 's deceptive UDAAP practices regarding liquidity extraction limits, and require complete financial restitution for my accumulated flight and housing damages. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Subject : Sudden and Unjustified Closure of Credit Card Account Without Prior Notice - Account Ending in XXXX Dear CFPB : My name is XXXX XXXX XXXX XXXX, and I am a resident of XXXX, Maryland. Today, XX/XX/XXXX, I received a notification from Bank of America stating that they have closed my credit card account : Customized XXXX XXXX XXXX XXXX XXXX account number ending in XXXX ). Important details : The closure was sudden and without any reasonable prior notice. I currently have an outstanding balance of approximately {$2500.00}. I received the notification via email titled XXXXXXXX XXXX XXXX XXXX XXXX Account XXXX ). When I called Bank of America today, they confirmed the closure of the account. I believe this sudden closure may be related to my public statements on my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, where I have previously criticized Bank of America publicly, particularly after their XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am concerned that this closure may constitute retaliation for exercising my right to freedom of speech, which is troubling coming from a regulated financial institution. I formally request the following : 1. A detailed written explanation of the specific reasons why my account was closed. 2. A review of this decision and consideration for reopening the account if possible. 3. The ability to pay the outstanding balance under fair conditions ( a reasonable payment plan without excessive interest increases ). 4. An investigation into whether there was any discrimination or retaliation involved in this process. Attachments : Screenshot of the account closure email Screenshot of the current balance Any other relevant documentation Thank you in advance for your attention to this matter. XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to formally dispute this collection account and request immediate action regarding its continued reporting and collection activity. I was shocked to discover a debt being attributed to me that I do not recognize, have not verified, and do not believe belongs to me. The ongoing collection efforts, including repeated communications and references to potential legal action, have caused significant concern and unnecessary hardship. As a consumer, I have the right to expect that any debt being reported or collected is accurate, properly documented, and legally enforceable. To date, I have not received sufficient evidence establishing that I am responsible for this alleged obligation. The continued reporting and collection of an unverified account is unacceptable and has negatively affected both my financial standing and peace of mind.

Company response to consumer: Closed with explanation