vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
This loan originated as a VA loan through XXXX XXXX. It was later sold to Freedom Mortgage without prior notice to us, and Freedom Mortgage is now the servicer. We only discovered that XXXX had our roof listed as XXXX XXXX XXXX, and that they were charging us for a shed and other items we do not have, because another insurance company offered us a quote that was {$2500.00} lower and showed the correct roof age. This is how we learned that XXXX had been misrating our home for years. XXXX never asked us any questions about the roof age or structures on the property when we first insured the home, so we had no way of knowing they were using incorrect information until another company pointed it out. XXXX misrated our roof as XXXX XXXX XXXX when it was actually replaced in 2017. This incorrect rating caused inflated homeowners insurance premiums for multiple years. Once I informed XXXX of the correct roof age, they adjusted the premium going forward, but the past overcharges were not corrected. Freedom Mortgage had already paid the inflated premiums from our escrow account, which created a {$3000.00} escrow shortage. I requested that XXXX send the refund for the overcharged premiums to my mortgage escrow account, but instead they applied it to my auto insurance policy without my authorization. Freedom Mortgage stated that they would not correct the escrow shortage because the refund must come from XXXX. I requested explanations from both XXXX and Freedom Mortgage, including : why the roof was rated incorrectly, how the premium was calculated, why the escrow shortage occurred, and why the refund was misapplied. Neither company provided clear or complete information. I filed a complaint with the XXXX XXXX XXXX, and the issue is still in process, but it remains unresolved.

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 2026-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I visited the XXXX department for XXXX care. During the visit, I was not admitted into an XXXX room or XXXX room. I was only attended to while seated in a chair in the XXXX or XXXX area. Despite this, I was billed for the use of an XXXX room or XXXX room that I did not occupy. I believe this charge is inaccurate and does not reflect the services I actually received. All other charges related to this visit were processed and paid through my insurance. However, the remaining balance appears to be related to the room charge that I did not receive. This bill was later sent to collections and has also been reported on my credit report, which is causing harm to my credit. I am requesting that the provider review this bill, remove any charges related to room use that were not provided during my visit, correct the billing statement, and notify the collection agency and credit bureaus to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Open Dealer Exchange, LLC
State: OK

Complaint narrative:
Gotten an approval through XXXX XXXX and XXXX down and XXXX XXXX said had to have XXXX down they said it was the banks request however I have spoken with the bank and the bank stated once the credit has been ran they don't ask for cash down deposit, that's all one the dealership restraint of trade. Details of the T.I.L.A. act can be explained 15 XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I am requesting review of late fees and interest charged on a former XXXX XXXX American Express card after I left my employer in XX/XX/XXXX. After leaving the company, I reasonably believed the corporate card would be cancelled as part of my departure. Unknown to me, XXXX continued to auto-charge the card. All account notifications were only sent to my former corporate email address, which I lost access to upon termination, and any calls were placed to a US phone number that became inactive as I had to leave the XXXX immediately. As a result, I did not receive effective notification of the balance or missed payments. Late fees and interest totaling $ XXXX accrued over several months without my awareness. Once I became aware of the issue, I acted promptly to pay off the balance which kept accruing fees. I immediately filed a formal complaint with American Express on XX/XX/XXXX, requesting a courtesy reversal of the late fees and interest due to lack of effective notice. As of today, XX/XX/XXXX, I have not received a formal written resolution. I am not disputing the underlying merchant charges. I am requesting reversal of the late fees and interest that accrued solely due to lack of effective notice and communication failure. The reference I was provided on XX/XX/XXXX for my complaint is : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XXXX XXXX @ XXXX XXXX someone got into my Chime account at transferred over XXXX to a XXXX account. They got into my account from XXXX, VA and I live all the way in Georgia. I have filed XXXX disputes on this matter and they keep getting denied. When I called them this morning they told me its my fault that my money was stolen. I have been dealing with this going on a month now and chime is not trying to help me at all. And I dont think its fair at all. I dont have a XXXX account at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: Chime Financial Inc
State: MS

Complaint narrative:
First off I was already charged XXXX XXXX by XXXXXXXX XXXX XXXX XXXX XXXX but that issue is currently being resolved. Also I have about almost XXXX XXXX left in spotme and went to the store and spent XXXX XXXX and some change of the spotme which should have left me with XXXX XXXX and some change. I wake up this morning and my account is XXXX with no spotme available. I deposited XXXX into it this morning and it brought it down to XXXX. Chime tells me that its like that because of the extra XXXX dollars that the hotel charged me for. Thats not true. Because even if that was the case after the XXXX goes back there should still be XXXX XXXX and some change left. After the XXXX goes back it would end up being about XXXX or XXXX total with my XXXXXXXX XXXX and my account funds added together. So I was robbed or something of an extra XXXX plus dollars and im not understanding that

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CITIBANK, N.A.
State: VA

Complaint narrative:
There was a promotion that if I use Citi Thankyou card each month for XXXX on eligible gas station, grocery store & restaurant purchases, {$100.00} statement credit when I spend {$1000.00}. I spent {$1000.00} in XXXX in those categories. However I have not received {$100.00} statement credit until now. I contact to CIti customer service and they said XXXX transaction made from XXXX XXXX ( {$29.00} ) was not marked as supermarket. I used same card at the same place on the same day, and only this transaction was not marked as supermarket. I talked to Citi customer service multiple times, but they told me that they can't resolve this issue.

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 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
{$150.00} was removed from saving to checking to cover balance. You keep closing cases. They did not respond truthfully. I did not authorize them to do so. I did not call them. They said I could subpoena the call but there was no call in anyway that I told them to do this. This XXXX open case back up. COMPLAINT ID 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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Hello, please confirm the name and license number of the XXXX supervising Compliance XXXXl XXXX XXXX. Also, this is a reminder that as of today you haven't provided the documents requested under the Fair Debt Collection Practices Act on XX/XX/XXXX, nor any documentation was provided when responding to the XXXX Complaint on XX/XX/XXXX. Accordingly, and having had already enough time to comply with the Fair Debt Collection Practices Act, Is understood that you are not able to provide them :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NV

Complaint narrative:
Cash App permanently deactivated my account citing a Terms of Service violation but did not provide any specific explanation or category of violation. When I contacted support to request clarification, I was informed that the decision would remain in place but no additional information was provided. I have not been informed of what activity allegedly violated the Terms, whether any funds were forfeited, or whether any reporting to third parties occurred. I am requesting transparency regarding the basis for the closure, confirmation that no funds were seized, and information on how I may obtain my account data and transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
i sent a letter to national credit systems demanding the original contract NOT a digital copy i requested the amount national credit systems purchased the debt for because it was not the XXXX $ that was ORIGINALLY owed i never received anything in response from national credit systems ive attached proof as well the 30days given by the F.C.R.A passed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: TN

Complaint narrative:
am filing this as a NEW complaint regarding a separate regulatory violation by Wise US Inc. that occurred during their investigation of transaction # XXXX. 1. Misrepresentation of Law and Bad Faith : Wise specialist 'XXXX ' committed in writing that a refund would be issued if I provided proof that 'no service was rendered. ' I provided the merchant 's ( XXXX XXXX ) official mortgage statement dated XX/XX/year>, which clearly shows {$0.00} was applied to any account. Despite providing the exact XXXX XXXX ' proof Wise requested, Wise has refused to honor their written commitment. 2. Violation of Visa Core Rules ( Reason Code 13.1 ) : Wise is falsely claiming they can not process a chargeback because the merchant uses a 'third-party processor. ' This is a direct violation of Visa Rule 13.1 ( Services Not Received ). Under Visa regulations, the Merchant of Record ( XXXX XXXX ) is responsible for the delivery of services. Wise is contractually required to initiate a dispute when a merchant admits to holding unapplied funds for an unrendered service. XXXX. Illegal Evidence Demands : In an email dated XX/XX/year>, Wise demanded I provide the merchant 's internal corporate bank statements. This is an impossible and bad-faith demand designed to prevent me from exercising my rights. Wise is attempting to bypass Visas Zero Liability Policy, which protects US-issued Business Debit Cards from unauthorized use. 4. UDAAP Violation : Wises staff is actively misrepresenting federal and network laws to avoid returning stolen business operating capital. This constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ). I demand an immediate manual review of the provided merchant accounting and a full reversal of the {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: SC

Complaint narrative:
MRSBPO is falsely reporting on my credit. I have never had any accounts with them. Per my research MRSBPO 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 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: MS

Complaint narrative:
Date : XX/XX/XXXX Subject : Formal Dispute and Request for Reconsideration of Fraud Claim Debit Card XXXX in XXXX To Whom It May Concern, I am writing to formally dispute the denial of my fraud claim regarding unauthorized transactions totaling {$2500.00} from my checking account associated with my debit card ending in XXXX. I have been a member of Navy Federal Credit Union since XXXX and have maintained my accounts in good standing, including successfully paying off loans and a credit card with your institution. I have never had a history of overdrafts or fraudulent activity. On the date of the incident, I received a phone call that appeared to come from Navy Federal Credit Unions legitimate phone number. The caller represented themselves as a Navy Federal representative and instructed me to verify my account by providing a security code that was sent to my phone. Believing I was communicating directly with my financial institution, I complied with the instructions. Immediately after this interaction, unauthorized transactions occurred transferring funds from my Navy Federal account to my XXXX XXXX account. I was led to believe the transfer was part of a security process and that the funds would be returned to my account. At no time did I knowingly authorize fraudulent activity or intend to send funds to a third party. This situation appears to be a spoofing or impersonation scam, where an individual fraudulently represented themselves as Navy Federal staff. The fact that the call appeared to originate from Navy Federals number reasonably led me to believe the communication was legitimate. Under the Electronic Fund Transfer Act, consumers are protected from unauthorized electronic transfers. I respectfully request that Navy Federal reopen this investigation and conduct a thorough review of the following : Phone records related to the call made to me IP address and device information used to access my account Transaction logs and authentication records Any internal notes or recordings associated with this case Additionally, I am formally requesting all documentation used in the determination to deny my claim, as stated in the notification I received. Given the circumstances and the impersonation involved, I strongly believe this transaction qualifies as unauthorized fraud and should be reimbursed. Please treat this letter as a formal request for reconsideration and escalation of my case. I am also in the process of submitting complaints with the Consumer Financial Protection Bureau and the National Credit Union Administration so that this matter may receive appropriate regulatory review. I appreciate your prompt attention to this matter and request a written response within the timeframe required by law. Sincerely, XXXX XXXX

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/year> I attempted to deposit {$1100.00} in cash at an ATM owned by XXXX XXXX XXXX using my Navy Federal Credit Union debit card. The ATM malfunctioned during the transaction and retained my cash. The machine printed a receipt stating it encountered an issue returning my cash and instructed me to contact my financial institution. I immediately reported the incident to Navy Federal Credit Union and opened a dispute. Approximately nine days later, a provisional credit of {$1100.00} was issued to my account. Two weeks later, Navy Federal reversed the credit, claiming their investigation found no record of atm deposit, despite the receipt clearly indicating a machine malfunction. I have provided the receipt showing the ATM error and have formally requested a reinvestigation under Regulation E, including review of ATM settlement records, reject-bin audits, and surveillance footage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C. 1681i.

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 2026-03-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation