vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi my home is under foreclosure I attempted to work with XXXX, specifically XXXX I informed him of a protective order in place and the primary borrower informed him that he would leave the home to me, after many attempts to get XXXX to communicate with me after I provided the protective order he continued to dismiss my concerns and would not include me in the communication process, I called and requested the mailing address as I had yet to received the documents and was told to speak to XXXX. I requested to just clarify XXXX address it was mailed to was. Told they XXXX provide this, to contact XXXX I did and he ignored multiple emails and eventually told me to call the XXXX number who originally sent me to him Eventually on XX/XX/XXXX I managed to contact XXXX XXXX, she informed the documents were mailed to our address ; but eventually agreed to email them, XXXX aware that even was an option! Well after all that turns out they were mailed to my abusers fathers home not mine as I was told and I was told I could just speak to my abuser who I have a protective order and XXXX and XXXX were fully aware, they continued to encourage I break a legal contract placed by the state for my safety and my children. XXXX uploaded the email showing the time frame they sent this to me, after many attempts they could have simply provided me with this much sooner instead they would not communicate clearly and effectively and kept me in limbo to a point where Ive run out of time to be able to look into more I was waiting for the information to know my nexts steps Theyve waited far too long Additionally XXXX was instructed by XXXX to keep information from me, if you look at his email threads you will find this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX 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 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my TransUnion credit report, I discovered an account that does not belong to me. This account appears to be the result of identity theft. I immediately filed an official Identity Theft Report with the Federal Trade Commission ( FTC ) and have attached a copy, along with supporting documents verifying my identity. I contacted both TransUnion and the creditor, XXXX XXXX multiple times- XXXX on XX/XX/XXXX, and again on XX/XX/XXXX - to dispute the account and request that it be removed from my credit report. I also asked for copies of any documentation showing that I opened or authorized the account. Despite my efforts and the proof provided, both TransUnion and the creditor failed to properly investigate or delete the fraudulent account. This ongoing inaccuracy continues to negatively affect my credit and violates my rights under the Fair Credit Reporting Act ( FCRA ), including Sections 605B and 611, which require that information resulting from identity theft be blocked from my report and that disputes be fully investigated. I am requesting that this fraudulent account be immediately deleted from my TransUnion credit report and that I receive written confirmation once the correction has been completed. Attached documents : FTC Identity Theft Report Prior dispute letters to TransUnion and the creditor Proof of identity ( driver 's license, utility bill ) Supporting evidence confirming this account does not belong to me

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 2026-02-23 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: NY

Complaint narrative:
My account was closed after depositing a check and chase bank keep my remaining funds around of {$2100.00} On XX/XX/year> I went to the local chase bank asking what happened to my remaining funds and they keep insisting they cant give me information after logging on my account with My ID And Last Credit Card provided. After calling the chase number for assistance, they still refuse to give me my remaining funds even after confirming the remaining amount on my closed checking bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
I had fallen behind in my mortgage due to having XXXX XXXX XXXX XXXX I was in the hospital last year all summer in which I almost lost my life I am XXXX XXXX XXXX currently I am still in recovery. I reached out to my mortgage company SPS ( Select Portfolio Servicing Inc ) To request the mortgage assistance program they informed me I would need to send in XXXX months worth of bank statements as well as my award letter for social security as I am on a fixed income. I sent that in at was told over the phone I was approved for the program I was also informed that the XXXX XXXX payments were to be on time not a day late or I would default the program and the XXXX payment was to be made by certified mail only. My original mortgage payment was {$1300.00} and with the assistance program it would now be {$1900.00}. My XXXX certified payment was on XXXX XXXX then the next XXXX were regular also in the same amount of {$1900.00} for the months of XX/XX/XXXX & XX/XX/XXXX. When it came time for me to pay XX/XX/XXXX they refused to accept my payment and said I had defaulted on the assistance program because I did not sign and send back a paper they said they mailed me in which I was never aware of to begin with as I was verbally approved for the program over the phone they never stated to me that I would have to sign and send back a paper but they had no problem accepting and taking those payments for the XXXX program. I asked if they could re send the paper and they told me I would need to re apply sending in the same information as last time on XX/XX/XXXX they mailed me a paper saying they received all required documents then on XX/XX/XXXX they said they received all correspondence from me and my agent in regards to my account. When I called and spoke with somebody over the phone they said I am now all of a sudden denied when they just had me to re submit they same information I was asked for previous which I dont get how is that possible as well as they are now saying I am behind on my payments from XXXX {$1300.00} XXXX {$1300.00} XXXX {$1300.00} XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} They then sent a letter to me saying I was denied for all programs and that I aint approved because my net income wont cover the amount offered in which I was never given a option or amount to any suggested amount or XXXX XXXX payment amount Also to XXXX it clear they say the money is to be in my account on the XXXX of each of those XXXX months but it is up to them when they process it through my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Since XX/XX/XXXX. XXXX I have been trying to get to my student summer job savings amounting XXXX dollars. In XXXX I opened a checking account entrusting my savings to the bank hoping to use it XXXX day when needed. Over the past XXXX years I have been trying to get my savings through approximately XXXX phone calls and XXXX emails, however, it has only been a waste of time and money as well as a lot of stress and nerves. The bank through its employees and representatives has not been able and often not even willing to send my savings to my XXXX account. On the other hand, I have been experiencing a lot of lame excuses, lies, intentionally misleading and incomplete information that can be clearly proven by the recordings which are available in the bank and the copy of which I posses as well. Even the hard efforts of some bank staff who were willing to help me always failed on technical glitches. As a result of the incompetence, I am now left with a worthless and invalid bank check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I had a loan on my used vehicle of {$5300.00}. On Saturday, XX/XX/year> I sold my vehicle and was told that I could go to any Navy Federal Credit Union XXXX, pay off the loan and they would release the title to XXXX electronically. After we did that at the bank, we went to XXXX to get the titled released to the buyer and they said the lien release paperwork was not sufficient enough and the XXXX was still electronically with Navy Federal Credit Union. I again called XXXX XXXX, waited on hold for XXXX mins for them to then tell me that it was not released because their title department wasn't working on the weekend and there was no one that could release it for me until Monday. This causes a problem for myself, the seller and the buyer. I can not get my name off the registration for a car that isn't in my possession because she is unable to register the car under her name or get insurance for it because they can not release the lien on the car. Monday I call Navy Federal and they proceed to tell me that they can't release the title until the beginning of XXXX because their system is getting updated. I asked for a XXXX and after waiting another XXXX minutes on hold, supervisor XXXX came on the phone and said there was nothing she could do and proceeded to argue with me over it like it was my fault they couldn't release the lien. I further asked to speak to her XXXX and she advised me that I couldn't speak to anyone else, that she would have to put in a request to the XXXX and they would get back to me in the next XXXX to XXXX business days. She could not give me an email, phone number or even a name. This is just not acceptable. I have already paid this vehicle off and I can't obtain ownership of it for over a week? What can I do to rectify this problem?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank called me stating that a credit card was issued using my identity. They recommended I file a report. I spoke with XXXX XXXX of CitbankXXXX notifying unit ID XXXX XXXXXXXX XXXX ; case XXXX XXXXXXXX. She said credit card was mailed to : XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX. A XXXX XXXX was made in the amount of {$2900.00} by XXXXXXXX

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 2026-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is a follow up to complaint XXXX ( which was a follow-up to complaint ID XXXX ) I thought this issue was resolved. Per Complaint XXXX, XXXX XXXX XXXXTD BANK sent me a letter clarified that the subject account has been effectively paid off in full, and that any interest/financial charges or fees had been a clerical or some other error ( see attached pdf with XXXX XXXX response via transcription of the letter that was also sent to me ). As far as I was concerned the matter was finally CLOSED. However, since receiving this letter. I have been receiving recurring calls from XXXX XXXX XXXX XXXX, a bill collector throughout the month of XX/XX/XXXX. Today, XX/XX/XXXX, I called them at XXXX. I spoke to an agent and was told that an outstanding debt of over {$200.00} ( I can not recall the exact amount ) had been reported to them by XXXX. I told them that this was incorrect and logged into the XXXX XXXX XXXX account while on the call and stated this has a XXXX balance, as well alerting them to me receiving a letter from XXXX confirming this based on my previous complaint to CFPB. I was told that they would reach out to XXXX, but they also suggested I do the same so that XXXX could resolve this matter. I immediately called XXXX card services ( XXXX ) and after being put on hold after calling a XXXX time ( the XXXX call " dropped '', something they do when they don't want to deal with a complaining customer, it has happened too many times to be a coincidence ) ; they confirmed the XXXX balance. I was told they would report that this account has no balance and is closed to the credit bureaus ( my credit reports already show this, actually, but I did not mention this ) AND to XXXX XXXX XXXX XXXX. This is bordering on harassment. This is not the first time they have involved XXXX XXXX XXXX XXXX for no reason. In the middle of my payment settlement/agreement/whatever they want to call it today : they reported my debt to this agency as if I had defaulted/reneged on the arrangement when I had NOT. What kind of operation are these people running? They are consistently inconsistent, extremely unorganized, they give conflicting information between departments within their organization and clearly to debt collectors, they do not document agreements, and it is as if they are trying to mess up my credit as a parting shot even though I no longer owe them a thing. I want them to resolve this once and for all, close the loop with XXXX XXXX XXXX XXXX, and, finally, to leave me alone. I no longer shop at XXXX and will never do business with TD Bank due to this horrendous experience that has been ongoing for well over a year! I have had enough of my time being wasted on issues that should have already been resolved without XXXX, messy incompetence and poor record keeping on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VT

Complaint narrative:
A friend of mine sent me money that she owed me via Cash App. When I went to retrieve my money I unfortunately didn't choose the right name and the person 's name that I did choose retrieved the money and when I realized my mistake the person declined my request to get my money sent to me. I followed up with Cash App and was told to request the money in cash, that didn't work either. So I'm out of the money which was a substantial amount due to me. I'm not happy about the information I got and am wondering if anything else can be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: GA

Complaint narrative:
Between XXXX and XXXX, CardConnect , LLC ( including its XXXX platform and First Data Reporting Services ) deducted {$28000.00} from my merchant settlements identified as IRS backup withholding. After discovering that the withholding was triggered by a XXXX reporting error, the issue was corrected and Forms XXXX were amended. A CPA holding Power of Attorney for the relevant XXXX contacted the Internal Revenue Service to reconcile the withheld amounts. The IRS confirmed that no backup withholding payments were received or credited under any associated XXXX for the amounts deducted. On XX/XX/XXXX I sent a fax requesting written proof of IRS remittance ( including Forms XXXX, payment confirmations, XXXX used, and remittance dates ) or return of the withheld funds if remittance can not be substantiated. I followed this up with a letter sent the same day, but that letter got lost in the mail according to XXXX tracking. I resent the letter on XX/XX/XXXX. XXXX was confirmed on XX/XX/XXXX. More than XXXX days have passed and I have received no response. I am requesting written proof that the withheld funds were remitted to the IRS, including documentation of filing and payment, or return of the withheld funds if remittance can not be verified.

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 2026-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: MD

Complaint narrative:
Was notified by my bank online portal credit report section that a collections entry was on my credit report. See attachment. Called ACSI collections this morning asking for verification and they told me it was XXXX ambulances rides, the dates of the ambulance rides and the balance. I was never notified of this debt until today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I transferred {$990.00} ... from my cash app account to my XXXX XXXX XXXX account and the funds did not transfer into my account. Both financial institutions are giving me a run around and not ensuring I receive my money. This is my rent money and they are not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: ME

Complaint narrative:
On XX/XX/XXXX at approximately XXXX am EST, I contacted MOHELA to retroactively waive an 'XXXX XXXX ' for the period of XX/XX/XXXX through XX/XX/XXXX. During this period, I was employed full time and was enrolled in only XXXX XXXX course at the XXXX XXXX XXXX XXXX As " XXXX XXXX '' do not count toward XXXX months, I requested that this period of of deferment be retroactively waived. Under XXXX CFR XXXX ( a ) ( XXXX ) ( iii ), it is within my right to request this " XXXX XXXX '' be waived. MOHELA initially refused, claiming it would cause a 'delinquency. ' This is factually incorrect as I was enrolled in the XXXX plan and part of the XXXX forbearance during that period with a {$0.00} monthly payment obligation. Removing the deferment would simply reveal the {$0.00} SAVE forbearance ; therefore, no delinquency exists. MOHELA also refused to provide a call reference number, notes, email, or any other confirmation for this interaction despite my requests. While the agent eventually claimed they would submit a request for a retroactive change to SAVE administrative forbearance, I am filing this complaint to ensure the correction is made and my PSLF forgiveness progress is preserved so that I may apply for PSLF buyback at the end of my XXXX years of public service.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: GA

Complaint narrative:
Validation of Debt Request - HARRIS & HARRIS LTD - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation