vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: LAND HOME FINANCIAL SERVICES
State: HI

Complaint narrative:
Regarding multiple errors in the application of my mortgage payments for the XXXX and XXXX XXXX. Improper escrow withdrawal of {$610.00} My monthly payment of {$2400.00} already includes escrow for taxes and insurance. Despite this, {$610.00} was separately withdrawn from my suspense account and applied to escrow without my authorization. Under 12 C.F.R. 1024.17, servicers must apply escrow only as required by an escrow analysis and must provide written notice of any changes. I received no such notice. Unauthorized principal curtailment of {$830.00} My XX/XX/year> statement shows {$830.00} applied as a principal curtailment. I did not request or authorize any additional principal payment. Under 12 C.F.R. 1026.36 ( c ) ( 1 ) ( i ), servicers must apply payments according to the terms of the note and as directed by the borrower. Applying a principal curtailment without my instruction is not permitted. Suspense account discrepancy involving {$1000.00} My XXXX statement reflects a {$1000.00} credit and a matching {$1000.00} debit, which should have offset each other. Only the debit appears to have affected my balance. Under 12 C.F.R. 1024.38 ( b ) ( 1 ) ( ii ), servicers must maintain accurate records and provide clear, correct statements. This error must be corrected. Misapplication risk regarding the {$9600.00} State of Hawaii payment The {$9600.00} payment funded by the XXXX of Hawaii was designated to cover XXXX months of regular mortgage payments. Under 12 C.F.R. 1024.35 ( b ) ( 1 ), misapplication of payments is a defined servicing error. These funds must be applied exactly as intended and can not be diverted to escrow, principal curtailment, fees, or any other category.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I paid off my American Express loan in full, over {$37000.00}, before the due date. I initiated the payoff online using a newly opened bank account with XXXX XXXX. At the time, XXXX XXXX was transitioning to XXXX XXXX, and I was initially given incorrect account information when the account was opened. When American Express attempted to withdraw the payoff, the payment failed because the account number could not be located. This was not due to insufficient funds or any failure on my part to pay. As soon as I learned of the issue, I contacted XXXX XXXX, obtained the correct account information, and immediately provided the updated information to American Express. American Express subsequently received the payoff amount, and the loan was paid in full. Despite this, American Express assessed interest and late fees and continues to do so. I have contacted American Express multiple times to have this reversed, and they refused. I can provide proof that I initiated the full payoff before the due date, that sufficient funds were available, and that the payment failure was due solely to incorrect bank information tied to the XXXX XXXX transition. I am concerned that American Express may report inaccurate delinquency information to the credit bureaus on a loan that was paid in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: WY

Complaint narrative:
PNC froze my business account for over a week. I provided all requested documents, and the payer ( XXXX ) confirmed the funds were valid and cleared. PNC issued a hold notice with a release date but did not release the funds or provide a new notice. They later claimed investigative findings, refused to explain, gave no timeline, and refused to close the account. Calls were ignored and I was told you know what you did. This has caused financial harm and may affect future deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: NE

Complaint narrative:
I am suddenly being bombarded and ( successfully ) sued by a company whom I never signed/acknowledged/seen any form of agreement with. They claim to be the creditor of multiple ( alleged ) debts of mine, yet theyve never contacted me nor have I used, applied, or even seen any of their products. Ive never even heard of their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: CO

Complaint narrative:
XX/XX/XXXX i received my tax refund deposited into my checking account. My account has over {$400.00} currently in the account. When I try to withdraw my money I am told my account is under review. Nobody can tell me why it is under review and nobody from Huntington will give me MY money. It has been almost a week. I have spoken with XXXX people over the phone with multiple transfers, I have been to XXXX different branches and still they will not give me my money and nobody will tell me why or will fix this issue. At this point it is stolen money and I would like it back from this XXXX bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint regarding how Bank of America handled my dispute and reconsideration process. This issue began in early XX/XX/XXXX, when I submitted an initial dispute for a {$330.00} charge for a car service that was not performed. The technician stated that no repair was needed and no service was completed, yet I was still charged. The initial dispute decision was issued in XX/XX/XXXX, and my claim was denied. After that decision, I obtained new and critical evidence from XXXX showing that my vehicle did in fact have a cooling system issue. This directly contradicts the technicians conclusion and proves that the service provider misdiagnosed the issue and failed to perform any repair. In XXXX XXXX, I contacted Bank of America again to request that my dispute be reopened. During this time, I clearly informed their representatives multiple times that I had new evidence and was ready to submit it. On XX/XX/XXXX, I formally requested a reopen of my dispute. However, during the reconsideration process, I was never provided a clear or formal opportunity to submit this new evidence. Despite my repeated efforts to inform them, the claim was reviewed again and ultimately denied on XX/XX/XXXX, without including or evaluating this critical documentation. Additionally, the handling of this case involved significant delays and a lack of transparency. From the original dispute in XX/XX/XXXX to the final decision in XX/XX/XXXX, the process took over XXXX months. During this time, I received inconsistent information from different representatives, unclear timelines, and no visible updates in the system. I believe this dispute was not fairly or thoroughly reviewed because key evidence was not considered, despite my repeated attempts to provide it. I am requesting that Bank of America reopen this claim again and properly review all available evidence, including the XXXX repair documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
On XXXX, I called to XXXX XXXX report fraudulent activity 's on my debt card for an amount of {$71.00} for XXXX XXXX XXXX. {$17.00} for XXXX XXXX XXXX. {$65.00} for XXXXXXXX XXXX using XXXX XXXX {$40.00} groceries for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Certegy Holdings, LLC
State: AZ

Complaint narrative:
I made a payment in the amount of {$22.00} on XX/XX/year> to XXXX for my domain name. XXXX people at the company have said that the payment was received and recorded and that I owe nothing for the domain. But I continue to get harassment via written word from a company called Certegy relative to their ID XXXX and XXXX XXXX. They say that they are acting for XXXX for this date and amount - saying that the check has not cleared. I have spent hours dealing with these folks and XXXX. XXXX emphatically maintains that the bill for the {$22.00} was paid and recorded and that no payment is needed from me. XXXX people- including one manager from XXXX says that they do not deal with a company named Certegy and that they have their own internal controls when a check does not clear. They say that the Certegy company is physing and that I should ignore the debt collection notifications from Certegy. I filed a complaint with Certegy and they wrote me XX/XX/year> saying that they investigated and that I do still owe the amount

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
The company did NOT follow the required steps of notifying me of the debt. I disputed the account due to this reason requesting removal of the account with XXXX. I should have been notified before reporting to credit reports. They did not send a email, call me via phone or send a letter via mail! I was not aware of this debt collector until I checked my credit reports!! According to the FCRA There are certain steps debt collectors must take before they can report a debt to a credit reporting company. They must do any of the following : Speak to you by telephone or in person about the debt Mail a letter or send an electronic communication about the debt and wait for a reasonable amount of time, generally 14 days, in case it is returned as undeliverable I never received a validation notice, which means that they did not satisfy their requirement to contact me or have the right to begin reporting the debt to the credit reports!! According to the FCRA it is a credit violation. Under the FCRA compliance this is inaccurate reporting and must be removed IMMEDIATELY! I was never provided the opportunity to dispute this debt. I was not aware of this collection until it reported on my credit report recently

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
On XX/XX/year>, I cashed in XXXX savings bond at my local branch of Mountain America Credit Union. I received {$4600.00} from the credit union into a checking account that we don't generally keep money in. I transferred the money to a different account ( also with Mountain America Credit Union ) so we could begin using it and have spent the majority of the money. On XX/XX/year> {$3600.00} was taken out of that account. At first we thought we had been scammed. Upon further investigation we found that the credit union claims to have miscalculated the worth of the savings bonds. They claim that the {$3600.00} was the difference. This puts this account into negative by the full amount. The issues I have are that XXXX ) they miscalculated the amount, so it was their mistake, XXXX ) this withdrawal of funds came over a month later, XXXX ) no attempt at contact was made to explain the mistake or to explain that they would take money from us, XXXX ) this was their mistake but we get all the pain. We visited the branch of Mountain America Credit Union on XX/XX/XXXX and spoke with the branch XXXX. She said she would look into it and that she would get back to me on XX/XX/XXXX after she investigated and spoke with the assistant XXXX that helped with the transaction. She was not very helpful or sympathetic so I don't hope for a response very soon if at all. I need someone else to intervene on our behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WV

Complaint narrative:
I am filing this complaint against Midland Credit XXXX XXXX XXXX ( MCM ) for failure to provide adequate debt validation and for continued reporting of an unverifiable debt to consumer reporting agencies. MCM is attempting to collect on an alleged XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. I sent a written validation demand pursuant to 15 U.S.C. 1692g. MCM 's response consisted of isolated account statements, a general assertion of ownership, and a summary of alleged account information. That response fails to validate the debt for the following specific reasons. XXXX, MCM provided no continuous monthly billing statements from account origination through XXXX. The statements provided do not explain how the balance progressed period by period to the claimed amount. XXXX, MCM provided no charge-off statement reflecting the balance at the time XXXX XXXX XXXX XXXX this account on XX/XX/year>, and no itemization of how that balance was computed. Third, MCM 's own documentation contains an internal address inconsistency. Their chain-of-title disclosure identifies XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX XXXX The XXXX XXXX goodbye letter they separately provided identifies XXXX XXXX at XXXX. Box XXXX, XXXX, FL XXXX. These are XXXX different addresses for the same entity in the same validation packet. MCM has not explained this discrepancy or confirmed which entity and address appear in the actual bill of sale or assignment agreement. XXXX, MCM provided no account-level chain of title documentation identifying my specific account by account number within any transferred portfolio. A general assertion of portfolio acquisition does not establish that my specific account was included. XXXX, MCM provided no cardholder agreement establishing the terms under which the alleged balance was incurred. XXXX, MCM 's claim to have " completed their investigation '' is unsupported by any description of the method of verification, the data source reviewed, or the system of record relied upon. I have demanded all of this in writing. MCM has not cured any of these deficiencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC ( XXXX ) for failure to provide adequate debt validation and for continued reporting of an unverifiable debt to consumer reporting agencies. XXXX is attempting to collect {$2700.00} on an alleged XXXX XXXX / XXXX 's credit card account. I sent a written validation demand pursuant to 15 U.S.C. 1692g. In response, XXXX provided XXXX documents : a letter stating they had completed their investigation, and a single XXXX XXXX account statement. That statement, which XXXX provided themselves, shows the following : the statement is dated XX/XX/XXXX, reflects a closing balance of {$0.00}, and shows a payment of {$160.00} with no purchases, fees, or interest for that billing cycle. The account is shown as fully satisfied at that time. XXXX simultaneously asserts that this account was sold on XX/XX/XXXX with a balance of {$2700.00}. This creates an unresolved accounting gap of approximately XXXX months between a documented {$0.00} balance and the claimed charge-off balance. XXXX has provided no account statements, ledger entries, or transaction history for this period. There is no documented basis for how the balance increased from {$0.00} to {$2700.00}. XXXX can not explain this gap because their own documentation creates it. I demanded the following in writing and received none of it : complete monthly statements from XX/XX/XXXX through charge-off ; the charge-off statement and adjustment ledger ; the method of verification used ; account-level chain of title documentation identifying my specific account within any transferred portfolio ; and the cardholder agreement. XXXX XXXX response is non-responsive to each of these demands. They have not bridged the accounting gap in their own records. The debt as claimed is unverifiable on its face.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Uprova Credit, LLC
State: MA

Complaint narrative:
In XX/XX/XXXX, the company Uprova lend me {$1000.00} dollars. I have already made XXXX payments that together represent approximately 80 % of the original amount borrowed. However, I am very concerned because despite these payments, the principal balance has not significantly decreased. It appears that a very large portion of my payments is being applied to interest and fees rather than the principal balance. As a result, even after making substantial payments, the total balance remains almost the same or has even increased. I am requesting a detailed explanation of how my payments have been applied, including an itemized breakdown of principal, interest, fees, and current payoff amount. I also request clarification on why the principal reduction has been so minimal despite my consistent payments.

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint against Resurgent Capital Services for violating the FDCPA and FCRA through 'overshadowing ' and furnishing inaccurate data. On XX/XX/XXXX, XXXX sent me a notice ( XXXX ) stating I have until XX/XX/XXXX, to dispute the alleged debt of {$9000.00}. However, my XXXX Investigation Results ( File XXXX XXXX, issued XX/XX/XXXX ) show that XXXX verified this account as accurate on XX/XX/XXXX, XXXX a month before the legal dispute window they provided was set to close. By verifying the debt to a credit bureau while simultaneously telling me the dispute window was still open, XXXX effectively ignored my right to a meaningful dispute process and furnished unverified data. Furthermore, the reporting is logically flawed. The prior servicer, XXXX XXXX, reports a {$0.00} balance for this account because it was sold. XXXX is attempting to report a {$9000.00} balance ( matching stale data from a XX/XX/XXXX statement ) without reconciling the current {$0.00} reporting from the source or providing a verified chain of title. Their own correspondence ( XXXX ) also names XXXX XXXX XXXX, XXXX as the current servicer, creating further unresolvable contradictions in the chain of ownership. I demand immediate and permanent deletion of this inaccurate and improperly verified tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I asked for modification or assistance on my morgage payments, but I didn't receive any help. I was denied any assistance even though I have a FHA loan. My morgage service in turn did not follow proper protocol. And even after several calls they have yet to process my request, or make the effort to follow up on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX Recieved a letter from D & A Services stating their reason for contacting me was to attempt to collect a debt owed to XXXX XXXX in the amount of {$1500.00} XX/XX/XXXX XXXX I responded informing them I am disputing the alleged debt and requested them to validate by providing documentation that supports the debt is mine, that they own the debt, and accounting records. XX/XX/XXXX XXXX D & A services responded, but failed to provide any of the documentation I requested. The only documents I recieved from them were printed out copys of the account in questions monthly statements. XX/XX/XXXX XXXX I responded notifying them of their failure to validate & demanded them to cease collections activity. I explained that they did not provide sufficient evidence to show they own the debt or that I am responsible for the debt and informed them I would be reporting them if they continued collection activitys. XX/XX/XXXX XXXX D & A Services responded to me with the same exact packet of documents ( printed copys of online credit card statements ) as they provided me in their XX/XX/year> letter. The only thing different was the date. Tomorrow I will be sending them a final notice to either provide proper verification or cease collection activitys, and that i will be in contact with the CFPB. I am concerned that the company is attempting to collect a debt without having proper documentation to support it, or without properly investigating my dispute. This conduct raises concerns under the Fair Debt Collection Practices Act, including but not limited to : -Failure to adequately respond to a dispute -Continuing collection activity without proper validation -Potential misrepresentation of the character or legal status of the debt

Company response to consumer: Closed with explanation