vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
Bridgecrest 's system has an error where accounts nearing their date of maturity automatically flag as past due. My accounts date of origination is XX/XX/XXXX. From that moment up until XX/XX/XXXX, my account was on auto pay. On the XXXX of every month, Bridgecrest automatically withdrew {$260.00} dollars from my checking account. My personal financial records reflect this. Bridgecrest 's company records reflect this. On XX/XX/XXXX, I checked my mailbox to discover a piece of mail from Bridgecrest dated XX/XX/XXXX and titled " NOTICE OF RIGHT TO CURE DEFAULT. '' I immediately called the number in the top right corner of the letter and was connected with an agent, who let me know about the false past due notice issue. He submitted my account to Payments Research and warned me that if they werent able to rectify by XX/XX/XXXX there would be a strike against my credit that they would then fix. Every day since, a Bridgecrest agent has called me about the past due notice, even though its not possible for that to pertain to my account, and Ive had to have the same conversation over again that my account is not past due and that the agent is submitting it to Payments Research for repair. After a tense interaction with another agent on XX/XX/XXXX, I called back and was transferred to Customer Relations for a slightly more comprehensive discussion. However, the issue remains unresolved. I am facing an eminent strike against my credit that I have not earned and that, based on interactions with the company since XX/XX/XXXX, I have no cause to believe Bridgecrest will actually fix in any respectable time frame. My credit should not suffer unless I earn that outcome, and I simply have not. Bridgecrest needs to resolve their internal systems to not flag maturing accounts in the first place. A credit strike could remain on my report for 7 years, hindering my ability to lead my life. I haven't earned a credit strike and I'd prefer this is fixed immediately before it comes to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I was contacted regarding a debt and a lawsuit filed in XXXX, a state I have not lived in for over XXXX years. I informed the company that I do not reside in California and have never lived in XXXX XXXX where the lawsuit was filed. The company responded through the CFPB system stating they would close the case and notify their attorney to do so. Based on this, I believed the matter was resolved. However, I recently discovered on my credit report that a default judgement was entered against me in XX/XX/year>, after the company stated the case would be closed. I was not properly served, and the documents were left at an address where I do not live. I have never verified or acknowledged this debt. My concern is that the company proceeded with legal action and obtained a judgement despite indicating the case would be closed.

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 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX XXXX Now Rocket Mortgage, continues to take payments from me and not apply them to my account. My Mortgage is showing 30 days past due. From Portal : Your payment is 30 days past due. Catch up by making a payment today. If this is something you can't afford right now, take a look at our mortgage assistance resources. Payment History : XX/XX/XXXX Payment {$1000.00} {$61000.00} XX/XX/XXXX Principal Only {$10.00} {$61000.00} XX/XX/XXXX Advances on your behalf {$90.00} {$61000.00} XX/XX/XXXX Escrow Deposit {$47.00} {$61000.00} My Payment is {$1000.00}, I am making a {$1200.00} payment monthly to be consistently having issues with the {$1000.00} payment going into a " Suspense '' account. This is XXXX days and the payment was not applied. This is causing severe health issues where I felt I was having a XXXX XXXX on XX/XX/XXXX after contacting the mortgage company numerous times and over XXXX hours. Again today XX/XX/XXXX I have made multiple calls and no one can explain why this continues to happen or the fact its now over 30 days and the payment was never applied. I am looking to take legal action against XXXX XXXX Mortgage. I feel they are using the fact I applied for XXXX XXXX against me and are now wanting me to loose my home. The home was not included in the bankruptcy which is why I need to pay them directly but they are again trying to make me loose my home. I am making OVER the required payment amounts every month. This continues to happen. I filed XXXX in XXXX of XXXX over a year ago I should not still be experiencing this and will not for the next 4 years. This is too much on my health and again causing me stress and hardship to make the payment only to be shown as PAST DUE. 30 days as of XX/XX/XXXX Please help me! I need the mortgage company to provide a direct plan moving forward with a solution to ensure this will not continue to happen. This is the XXXX case I open against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Stellantis Financial Services US Corp.
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal Notice of Dispute regarding the handling of my account and the improper denial of my participation in the Fresh Start Program. I executed and returned the XXXX XXXX XXXX XXXX on XX/XX/year> in good faith. The agreement clearly outlines that compliance is based on making future scheduled payments within a defined timeframe. Despite this, I received a declination letter dated XX/XX/year> stating that I failed to make a required payment or that a payment was reversed or dishonored. This determination is unsupported, inconsistent, and materially deficient for the following reasons : XXXX. Lack of Specificity and Contractual Basis The declination letter fails to identify which specific payment was allegedly missed, the due date of such payment, or how I was outside of the allowable XXXX compliance window defined in the agreement. Without this information, the denial lacks a valid contractual foundation. XXXX. Premature and Improper Determination The XXXX XXXX XXXX requires performance based on future payments. At the time of the XX/XX/year> declination, there is no documented evidence that I had failed to meet any defined obligation under the agreement. The decision appears to have been made prematurely and without proper application of the program terms. XXXX. Good Faith Performance and Verified Payment On XX/XX/year>, I made a {$600.00} payment toward my account in good faith, demonstrating my intent and effort to comply with the program requirements. Any assertion of non-payment is directly contradicted by documented transaction records. XXXX. Material Contradiction in Account Handling On XX/XX/year>, I was issued a new XXXX XXXX XXXX Agreement, authorized by your representative. This action directly contradicts the prior determination that I was disqualified and confirms that my account remained eligible for the program. This inconsistency raises serious concerns regarding the accuracy, reliability, and integrity of your account servicing practices. XXXX. Pattern of Inconsistent and Conflicting Communication Throughout this process, I have received varying and conflicting explanations from representatives regarding my account status. This has resulted in confusion, unnecessary financial strain, and a breakdown in trust. I have made repeated efforts to resolve this matter in good faith, including direct communication with management. Based on the above, it is evident that my account was mishandled and that the denial of my participation in the XXXX XXXX XXXX was not supported by the agreement terms or consistent internal processes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: CA

Complaint narrative:
Subject : Request for Investigation and Removal of Debt from Credit Report To Whom It May Concern, I am writing to formally dispute and request the removal of a debt that has been reported in my name regarding an account originally associated with XXXX XXXX XXXX and referenced by your company. According to the information provided, this account reflects a balance of {$430.00} as of XX/XX/year>, related to a purchase through XXXX XXXX XXXX. At this time, I am requesting a full investigation into the accuracy and validity of this debt. I do not recall authorizing or having full knowledge of this account in the manner it has been reported. Additionally, I have not received sufficient documentation verifying that this debt is valid, accurate, and legally collectible. Under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you : Provide complete verification of this debt, including original account documentation Confirm that your company has the legal authority to collect on this account Verify that all reported information is accurate and complete If you are unable to provide proper validation of this debt, I respectfully request that this account be removed from all credit reporting agencies immediately. Additionally, if any information reported is found to be inaccurate, incomplete, or unverifiable, I request its prompt deletion in accordance with federal law. Please note that this letter is not an acknowledgment of responsibility for the debt, but rather a request for validation and investigation. I appreciate your prompt attention to this matter and expect a 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 explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint regarding serious misconduct by Wells Fargo Bank , N.A . involving failure to comply with a valid North Carolina XXXX XXXX XXXX and a judge-signed XXXX XXXX. On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX, North Carolina, issued an order directing Wells Fargo to hold funds belonging to my business, XXXX XXXX. Despite this order, Wells Fargo released the funds on or about XX/XX/year>, to a third party, XXXX XXXX XXXX, in the State of Maryland. Following this, on XX/XX/year>, a Superior Court Judge in XXXX XXXX signed a Consent Order requiring Wells Fargo Bank , N.A . to release {$100000.00} to my business, XXXX XXXX. This XXXX XXXX is a valid and binding court order. Wells Fargo has actual knowledge of this XXXX and has the present ability to comply. However, Wells Fargo has not released the funds as ordered by the 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 2026-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
XX/XX/year> AMOUNTS XXXX Debt to Mohela XXXX XXXX of XXXX and Technology I experience a financial hardship that resulted in a loss of income, and as a result, I have been unable to meet my payment obligations. This was not intentional, and I take my responsibilities seriously. and I am currently working toward improving my situation so I can resume payments as soon as possible.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting a complaint regarding the restriction placed on my bank account and the lack of clear resolution. My account was suddenly restricted due to an investigation after I made normal money transfers to trusted family members and individuals I regularly send money to. These are legitimate personal transactions and part of my usual banking activity. I was informed that the issue may be related to multiple device replacements over the past few months due to my phone being broken and needing repairs or replacements. Despite explaining this, my account has been escalated to an investigation team, and I have not received a clear explanation, timeline, or resolution. My account access to sending and receiving money has been restricted, and I currently have approximately {$5000.00} in funds that I can not access. This situation is especially urgent because I will be leaving the country in a few days and I need access to my funds for travel and essential expenses. The restriction is causing significant financial and personal hardship. I understand that banks must follow fraud prevention procedures ; however, my transactions are legitimate, consistent with my normal activity, and involve trusted family members. I have not been given sufficient detail or a clear path to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Validation of Debt Request - 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 ) XXXX, 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 2026-03-31 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased XXXX phones from the Best Buy XXXX XXXX XXXX XXXXXXXX XXXX I paid in full according to the agreement with the store sales associate. I'm shocked and disappointed that their team is harassing and billing me fraudulently. Please help me, I'm a senior and I don't appreciate how the Employee XXXX ID # XXXX. Very unprofessional and mean spirited. When I requested someone of higher authority, she responded " she was the highest of authority. ''

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 2026-03-31 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have submitted several XXXXXXXX XXXX and have not been updated on the status of my request for a loan deferral. The company will not respond to requests for updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
I transferred {$5000.00} into my XXXX account on XX/XX/year>. They immediately placed a restriction on my account that prevented me from trading or withdrawing the money. I contacted them to sort it out, and was told I needed to provide a picture of my drivers licence to remove the restriction. I did that immediately, and was told it would be resolved within a week. On XX/XX/year>, I contacted them because it was not resolved, and was told they needed a copy of my social security card. I provided that the same day and was told the restriction would be removed within the week. After checking back, the date was moved back several more days. I reached out to them again on XX/XX/year> and was told the restriction would be removed later that day. I checked again on XX/XX/year> and found I still had the restriction. I contacted XXXX support again, and was told there was nothing they could do. The review was in progress and usually takes XXXX business days. I asked to escalate to a supervisor, they agreed, but I did not receive a callback as promised. I am actively losing money and accruing costs due to not having access to this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding a lack of response from Portfolio Recovery Associates. On XX/XX/year>, I formally requested information from Portfolio Recovery Associates concerning an account associated with my name. As of today, I have not received any response from themneither by email, phone call, nor written correspondence. This lack of communication is concerning, as I am attempting to verify the accuracy and legitimacy of the account in question. Their failure to respond has prevented me from resolving this matter and ensuring that my credit report reflects accurate information. I respectfully request that the Consumer Financial Protection Bureau investigate this issue and assist in obtaining the requested information from Portfolio Recovery Associates. I would also like to ensure that my rights under the Fair Debt Collection Practices Act ( FDCPA ) are being upheld. Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
They attempted to use intimidation tactics by trying to scare me, tape me to court papers, and even had someone trespass on my property in an effort to serve me and create fear. I was unfairly threatened, which left me feeling quite depressed.

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 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
My account with Lendmark was marked dont call employer. I contacted Lendmark that I was filing bankruptcy. Lendmark called XXXX of the offices of the company I work for today. I received XXXX calls from XXXX office and XXXX office I. XXXX office said pay your bills they looking for you. I sent an email to lendmark and received a response that states and I quote. " Thanks for the response. Account is noted do not call job, yet my XXXX decided to call there anyway and I'm really sorry about that '' This is unacceptable to put my personal information out there to employees of my employer which should not give been discussed with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Sunday, XX/XX/year>, I opened a new checking account with Bank of America online, providing all required legitimate information including my Social Security number, address, and ID. I then deposited a {$180.00} check from my acting gig. A bank representative told me it would take XXXX business days to clear and should post by Tuesday, XX/XX/year>, at XXXX a.m. When I logged in today, the account was locked/denied with no access. I called support at XXXX a.m.the call was very heated and unproductive. They said the system couldnt verify your information but refused to explain what couldnt be verified, even after I pressed. They also claimed every XXXX applicants, XXXX applications get special verification, which sounds made-up and shadyno real policy like that exists. All my details match, no prior issues, no fraud flags I know of. They offered in-person pickup tomorrow with XXXX IDs, which Ill do, but the denial itself feels unfair and possibly discriminatory, especially since everything I submitted is verifiable and legit. I suspect bias in how my application was handled. I want a full written explanation of the denial reason, prompt release of my funds without hassle, and confirmation this wont affect future banking. This has caused stress and disruptionplease investigate.

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