vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
BACKGROUND : I have a XXXX fixed-rate mortgage at 3.375 %, originated in XX/XX/XXXX with an original principal of {$300000.00}. The loan is currently serviced by XXXX XXXX on behalf of FourLeaf Federal Credit Union ( formerly Bethpage Federal Credit Union ). My regular monthly payment is {$2500.00}. THE PROBLEM : Beginning in approximately XX/XX/XXXX coinciding with the transition of servicing from XXXX XXXX to XXXX XXXX / XXXX XXXX I have made multiple extra payments with the explicit intent of reducing my principal balance ( principal-only curtailments ). These payments were initially processed correctly as " Principal Only Payment Principal Curtailment, '' but were then systematically reversed and coded as " Misapplication Reversal Misapplied Funds. '' This has occurred at least XXXX ( XXXX ) times, totaling approximately {$15000.00} in reversed funds : XX/XX/XXXX : - {$2500.00} reversed XX/XX/XXXX : - {$2500.00} reversed XX/XX/XXXX : - {$2500.00} reversed XX/XX/XXXX : - {$2500.00} reversed XX/XX/XXXX : - {$2500.00} reversed XX/XX/XXXX : - {$2500.00} reversed In several instances, the reversed funds appear to have been reapplied as standard mortgage payments ( including interest and escrow components ) rather than as pure principal reductions, or applied in a way that advances my payment due date rather than reduces my balance. The net effect is that my principal balance has not decreased at the rate it should have, and I have paid more in interest than I should have.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I use the M & T Bank mobile banking app and review my transactions several times throughout the day. I notice available funds ( as a result of pending and executed transactions ) and proceed accordingly. This has occurred on XXXX dates ( XXXX business account, XXXX personal account ) these past XXXX months with the latest XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY ) told me not to rely on the app information- which is ridiculous! I use AVAILABLE funds, and then a few days later see my account is overdrawn and then the bank levies overdraft fees. I don't have XXXX XXXX, but besides that - I am relying on the real-time on-line app information to conduct personal and business transactions. XXXX also told me the bank is not at fault and will not be returning all or a part of these fees ( {$250.00}. ). The bank IS at fault for providing me with incorrect information and I AM entitled to the fees being returned/credited to my accounts. Not to mention XXXX was rude and asked what certain charges were for- which is not her business. I want to close both my personal and business account but want to see the outcome of my CFPB complaint.

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am reporting ongoing unauthorized access and repeated account takeover of my USAA account despite multiple identity verifications. The issue escalated on XX/XX/year>, when an unknown individual successfully completed a phone-based account recovery and changed my authentication details. This occurred the same day the same individual attempted to impersonate me in person at a XXXX corporate store in XXXX XXXX, TX. On XX/XX/XXXX, USAA reset my credentials after verification. On XX/XX/XXXX, I briefly regained access and identified multiple unauthorized transactions. However, by XX/XX/XXXX, I was locked out again. Since then, I have made multiple calls to USAA. Despite providing full verification, representatives have been unable or unwilling to restore access, and in several instances calls were terminated after stating security concerns. I have also been unable to activate my credit card or manage my account. This account is my primary financial account and is tied to : mortgage payments insurance policies credit obligations I currently have no reliable access, and unauthorized activity continues. I am requesting : Immediate restoration of secure account access Full investigation of how account recovery was approved without my authorization Confirmation that unauthorized access is blocked permanently Reversal and investigation of all fraudulent transactions XXXX enforcement is actively investigating this case. City of XXXX Police case # 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 2026-04-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
XX/XX/year>. I received an email at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following day I contacted her several times to find out she was on vacation until the XXXX or the XXXX. I left several messages when she returned and she didnt return any of my calls. On XX/XX/year> I noticed that {$5100.00} was taken from my account. This transaction was unauthorized. I immediately contact the Navy Federal credit union and was told that the bank couldnt do anything about it and that I had to contact Navy Federal survivor settlement account department in which I left several messages and no one called me back. Every time you call the survivor settlement department you dont get an answer so finally on XX/XX/XXXX I was able to get help from someone different and they apologize for XXXX not returning my calls and they wasnt sure why she wasnt because she was back at work. I was told to provide proof of where the money went that was in my fathers account which was a overpayment from his pension department with his job that he retired from once I provided proof I will be able to get my money back that was taken from my savings account. I sent the email on the same day and called to make sure it was received and it was that I was told it would be sent to a supervisor and that she will look over it and get back to me. Long story short no one got back to me. I called back on XX/XX/year> to check the status and to see when I will be getting my money back. I was in told that there was an exception first, and I was gon na get it back, then looking more into the account the lady that was helping us that that they denied the request and stated that our dad was in debt and they had to take something. She also contacted XXXX while we were on the phone. To get her to explain this to us and she told the representative that was helping us that she will call us on Monday, XX/XX/XXXX and she didnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Nationwide Capital Services, LLC
State: MS

Complaint narrative:
I took out loan from a payday lender, ( Lend nation for {$600.00} and made multiple payments. The account was sold to a collection agency, Nationwide Capital Services, who reported me owing {$980.00}.. I learned of this company after it was reported to the credit bureaus. I called today to dispute the debt and spoke with very rude and unprofessional people who used abusive and insulting language in violation of CFPB. I was also told by a manager, named XXXX that I couldn't dispute the account and that my mother should have raised me better etc. I also recorded the phone call if needed. This complaint is for unfair, and inaccurate debt collection practices.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to XXXX XXXX XXXX under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to XXXX XXXX XXXX, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of XXXX FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: FL

Complaint narrative:
In 2020 when I was XXXX my mother created a Cash App account for me using my personal email and phone number. My name was included in the $ XXXX, and I used this account mostly for family/friends transactions. I attempted to use the " Borrow '' feature, which required me to verify my identity. Because the app for some reason did not allow me manually change my name I submitted my legal ID. Cash Apps automated system incorrectly flagged this attempt as " fraud '' and immediately closed the account. I contacted Cash App support via phone and chat to explain that the account was created by my mother when I was a minor. I offered to provide my mothers verification and my legal ID for a manual human review. Cash App support refused to conduct an investigation, refused to speak with my mother, refused to listen to anything I said, and rejected my appeal unjustly. My correct legal information only appeared on the account profile AFTER I received the closure notice. This means Cash Apps system verified my identity, yet the company chose to terminate my account and label me as a " fraudulent '' user I would also like to add for further reference that a the time my account was made Cash App had not added its XXXX Accounts ' feature. However if they had done proper research into my transactions they wouldve seen my giving and receiving money from my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Potentially Negative XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$30.00} Status Account charged off. {$30.00} written off. {$30.00} past due as of XX/XX/XXXX. XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX - XXXX XXXX, XXXX. XXXX XXXX BANK Under dispute Date opened XX/XX/XXXX Balance {$15000.00} Status Account charged off. {$15000.00} written off. {$15000.00} past due as of XXXX XXXX. XXXX XXXX dispute Date opened XX/XX/XXXX XXXX {$2600.00} XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance - Status Paid, Closed. XXXX XXXX CO Under dispute Date opened XX/XX/XXXX Balance {$3400.00} Status Collection account. {$3400.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2800.00} Status Collection account. {$2800.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$3500.00} Status Collection account. {$3500.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XXXX XXXX. XXXX XXXX XXXX Under dispute Date opened XX/XX/XXXX Balance {$190.00} Status Collection account. {$190.00}

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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I am a victim of identity theft and bank fraud. I was away from my home from XX/XX/XXXX through XX/XX/XXXX. During my absence, my home was burglarized. My debit card, government-issued photo ID, Social Security XXXX XXXX birth certificate, and all personal phones were stolen. I had no access to my account and no way to contact XXXX XXXX XXXX this entire period. A total of {$20000.00} in unauthorized transactions and transfers were made on my Navy Federal Credit Union account without my knowledge or consent. I did not authorize any of these transactions. I am invoking my rights under the Electronic Fund Transfer Act, XXXX XXXX. XXXX et seq., and Regulation XXXX, XXXX C.F.R. Part XXXX, including the extenuating circumstances exception under XXXX C.F.R. XXXX ( b ) ( XXXX ), which extends the reporting deadline when a consumer was physically unable to report due to circumstances beyond their control. I have filed an FTC Identity Theft Report and an XXXX complaint with the FBI. I am requesting that the CFPB ensure XXXX XXXX fulfills its federal obligations to investigate this dispute, issue provisional credit within XXXX business days, and provide a written response within the federally mandated timeframe.

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 2026-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
We attempted to purchase a mattress from XXXX XXXX XXXX IA on XX/XX/XXXX in the amount of {$1000.00} through Synchrony Bank XXXXXXXX XXXX XXXXXXXX XXXX, XXXX. We were denied credit. They sent a letter to me dated XX/XX/XXXX stating that " To protect your identify, we checked data sources to verify information on your application. " Unfortunately, based on results of these checks, we are unable to confirm your identity with enough confidence to approve your application at this time ''. They were given my name, address, phone, drivers license, social security number, VA identification card. In checking with my XXXX Credit Card XXXX I was shown a XXXX XXXX of XXXX. I have had XXXX different credit accounts with Synchrony, XXXX paid off in XXXX of XXXX and the other paid off last fall. The one paid off in XXXX still shows available credit to me of {$7500.00} and the one paid in full last fall shows credit available of {$2500.00}. I called Synchrony on XX/XX/XXXX and " XXXX '' was unable to give the reason for denial, but suggested I submit another application with my wife. We went back to XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX and tried a second time while adding my wife 's date of birth, social security number, driver 's license and insurance card of identification. Yesterday, we received XXXX more letters XXXX for myself and XXXX for my wife. " Your request was denied for the following reason : " Prior application submitted too recently ''. My wife 's denial letter said " Unable to approve the other applicant ''. They did not run a credit report since there was none listed in any of the letters we received. My only conclusion is that if that with all of the information supplied and all of the credit history with them they gave no real reason for the denial so I'm concluding that since I just became XXXX XXXX XXXX and my wife is XXXX that age was a factor.

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 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: TX

Complaint narrative:
LJ ROSS is falsely reporting on my credit. I have never had any accounts with them. Per my research LJ ROSS 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Guild Holdings Company
State: AZ

Complaint narrative:
Guild Mortgage, LLC foreclosed on property at XXXX XXXX XXXX XXXX XXXX, XXXX, AZ. They are headquartered at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX listed the property for sale, and I made a full-price, cash offer which they agreed to with a closing date of XX/XX/year>. I purchased a cashiers check for escrow in the amount of {$2000.00} with a fee of {$15.00}. They demanded {$5000.00}, so I purchased another bank check for the additional {$3000.00} and paid another fee of {$15.00}. I then paid XXXX XXXX for an inspection in the amount of {$750.00} and paid the XXXX XXXX {$300.00} for the solar system inspection. I came to closing at XXXX XXXX XXXX with another cashiers check and paid an additional {$15.00}. XXXX Mortgage failed to close and demanded that I pay their closing costs for the title company and move the closing date to XX/XX/XXXX. I agreed and paid the additional amount and presented the check to XXXX XXXX XXXX on XXXX. XXXX Mortgage failed to close again. They then moved the closing date to XX/XX/XXXX and failed to close. My realtor sent them a cure notice to close no later than XX/XX/XXXX. Again, with no communication, they failed to close. XXXX XXXX XXXX wired back my funds, and my bank charged a wire fee of {$15.00}. Because Guild Mortgage failed to close, my brother, whom I purchased the property for, had to rent a storage unit for {$53.00}, and we had to cancel the moving company on XXXX different dates. I sent XXXX letters to the XXXX XXXXf Guild Mortgage requesting that they reimburse me {$1100.00}. I provided the CEO with a copy of all my expenses. Guild Mortgage failed to respond. Because of Guild Mortgages unfair business practices, I have lost not only funds, but days trying to purchase a home, which had been sitting on the market for over 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate account that has reappeared on my credit reports. The rental collection account in question was previously reported and has already been removed from my credit file. However, I have recently discovered that this same account has been added back to my credit reports, which is both inaccurate and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX was the original creditor. I notice tex messages and phone calls about balance. They violated TCPA Laws by doing so. I sent certified mail requesting proof, none was received. It was moved to LVNV funding. Sent request for proof and verification. None ever received. They filed a civil complaint in New Jersey Superior Court. I filed a complaint with the Federal Trade Commission as well as my local Police department. I submitted this to LVNV Funding, the Attorney represnting them and the court. All ignored it and continued to pursue a judgement. The 3 credit reporting agencies deemed this fraudulent, removed and blocked the debt. The attorney has violated N.J RPC 8.4 ( C ). This is unethical, criminal, can lead to fines, disbarment etc. It has caused harm to my credit file, stress and emotiinal stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I had an auto loan account with GM Financial that is now paid in full and reflects a {$0.00} balance. However, the account is still being reported inaccurately on my credit report as [ describe the issue, e.g., delinquent, charged off, or past due ]. This information is incorrect and is negatively impacting my credit profile. I am requesting that GM Financial update all credit reporting agencies to accurately reflect that the account is paid in full with a {$0.00} balance and in good standing. Please investigate this matter and correct the reporting as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation