vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: MIDFIRST BANK
State: CA

Complaint narrative:
I am filing a complaint regarding improper credit reporting and mishandling of my mortgage forbearance/repayment agreement. In XX/XX/year>, I contacted my mortgage company due to financial hardship following my XXXX XXXX XXXX and my husband being on XXXX. I specifically asked whether entering a forbearance would impact my credit, and I was clearly told it would not negatively affect my credit. I was placed into a 4-month forbearance, during which no payments were required. At the end of that period, I was instructed to resume payments for a trial period and was told that, after successful completion, the deferred payments would be moved to the end of my loan. I followed all instructions exactly. However, due to the company stating paperwork was received late, I was required to repeat the trial payment period. I again complied fully, made all required payments, and ultimately signed and notarized the final agreement sent by the company. Despite my full compliance, I have now been informed that the company is reporting my account as 180 days late ( 6 months ), which has caused approximately a XXXX drop in my credit score. The company has stated that their policy changed in XX/XX/year>, and they are applying this new policy to my situation. However, my agreement began in XX/XX/year> under the original terms. It is not acceptable to apply a policy change retroactively after I had already entered into and complied with the agreement. I relied on the companys representations when agreeing to the forbearance and repayment terms. I upheld my end of the agreement completely. This credit reporting is inaccurate and unjustified. I am requesting the following resolution : Immediate removal of all late payment marks ( including 180-day delinquency ) related to this forbearance/repayment period Correction of my credit reporting with all three credit bureaus Written confirmation that my account has been properly adjusted in accordance with the original agreement terms I have documentation to support my claim, including payment records, signed and notarized agreements, and communication history. I expect this matter to be corrected promptly. If this issue is not resolved, I am prepared to pursue further action regarding improper credit reporting and misrepresentation of loan terms. MidFirst Bank XXXX XXXX XXXX, a Division of MidFirst Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number XXXX Borrower : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I was contacted via XXXX XXXX by an individual using the name XXXX XXXX associated with XXXX XXXX XXXX. I was offered resume revision and job assessment assistance as part of a XXXX XXXX opportunity. I agreed to pay {$35.00} for resume enhancement services and sent payment via XXXX to XXXX XXXX ( phone : XXXX ), confirmation number : XXXX, memo : XXXX XXXX XXXX for the Resume. After payment was sent, I did not receive the promised resume service or any job-related assessment assistance. Communication stopped and the Messenger profile became unavailable. This appears to be an employment-related fraud scheme involving payment requested for services presented as part of a job opportunity, where services were not delivered after payment was received.

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 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, I refused an international XXXX shipment ( Tracking Number : XXXX ) and clearly notified XXXX via email that I did not accept the shipment and would not pay any import duties or fees. XXXX confirmed that the shipment would be returned to the sender. In early XX/XX/XXXX, XXXX failed to return the package and instead lost the shipment. A claim was filed and later approved ( Case # : XXXX ), confirming that XXXX acknowledged the loss. Despite this, XXXX issued an invoice dated XX/XX/XXXX for {$200.00} in customs duties and brokerage fees. The payment due date was XX/XX/XXXX. I did not pay this invoice because I never received the shipment and had already refused it. On XX/XX/XXXX, XXXX added a late fee of {$20.00}. In late XX/XX/XXXX, this incorrect charge ( total approximately {$220.00} ) was sent to a collection agency ( The Receivable Management Services LLC ). Since then, I have made multiple attempts to resolve this issue : I contacted XXXX customer service multiple times, I called the billing department as instructed, I was given email contacts and sent multiple emails, I did not receive any meaningful response, I was repeatedly redirected between departments without resolution. XXXX has failed to resolve this issue internally and continues attempting to collect a debt that I do not owe. I do not owe this debt because : I refused the shipment, The package was never delivered, XXXX lost the shipment, The claim was approved. I am requesting that this debt be immediately canceled, the account be recalled from collections, and written confirmation be provided that I have no financial responsibility.

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 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I paid a friend for vehicle tint services on Cash App. Coming to find out it is a cash app no longer in working function. They are telling me they are not able to cancel the transaction. Not able to refund. I just want my XXXX XXXX back so I can pay for the services I was given

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: KEYCORP
State: WA

Complaint narrative:
Key Bank, N.A charged off my checking account and sent it into collections deliberately harm my credit rating after making formal complaints of open discrimination practices at local branches. I received a dunning letter dated XXXX XX/XX/2026 from a collections company, XXXX XXXX XXXX XXXX, Reference Number XXXX for {$130.00} in reference to the charged off account. Evidently Key Bank did not properly close out the account after presenting the bank with a sworn affidavit that proved the debt did not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Carter-Young, Inc.
State: GA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting FCRA 623 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am writing to formally dispute the accuracy of information your company has furnished to the credit reporting agencies regarding the account referenced below. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher of information is prohibited from reporting information to a consumer reporting agency if that information is known to be inaccurate. At this time, I have reason to believe that the account you have reported does not meet the standard of accuracy and completeness required under federal law. The information being reported is inaccurate and/or incomplete. I am requesting that you conduct a thorough investigation of this matter. If you can not provide verifiable evidence that this account is accurate, complete, and properly attributable to me, you are required under federal law to cease reporting this account and request its deletion from all credit reporting agencies to which you have furnished data. Please provide the following : Documentation bearing my signature that proves I have a contractual obligation for this debt Complete account history, including the original creditor and chain of assignment Proof that the information reported complies with FCRA accuracy requirements If your investigation determines that the information can not be verified, I expect immediate deletion of this account from my credit file. Please note that failure to comply with the FCRA may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies available under federal law. I request that all correspondence regarding this matter be sent to the address listed above.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
When I moved out of this complex on XX/XX/year> the amount was $ XXXX. 2 years and 6 months later it says that the debt is $ XXXX. Company says debt started at $ XXXX when I have paperwork that stated it was the first amount mentioned. How can it be {$12000.00} in interest? This has to be super wrong and trying to just avoid me from renting when Im about to end up on the street for how high the amount is. Court document said that the amount couldn't be posted so that I would be able to rent in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union [ XXXX ] Confirmation # XXXX ( internal reference provided by company ) I am submitting a complaint regarding a secured credit card issued by Navy Federal Credit Union. On or around the time of account opening, my original application included my middle initial correctly. However, the issued credit card did not reflect this information. I contacted the company to request a replacement card and asked for expedited shipping due to this discrepancy. During multiple attempts to resolve the issue on XX/XX/year>, I experienced inconsistent service handling. I was transferred between several supervisors during escalation, and multiple calls were disconnected before resolution. One supervisor stated the call was unproductive before ending the interaction. The supervisors involved included XXXX and XXXX, both of whom disconnected calls during escalation attempts. I later contacted additional representatives, including XXXX ( Account Services/Consumer Loan ), and submitted a formal complaint through the mobile app, which was handled by XXXX from Escalation Case Management. Although the matter was reviewed internally and a case was opened, I was informed that the case was closed with no further resolution or accommodation offered. My request for a waiver or goodwill adjustment of the expedited shipping fee was denied without a detailed explanation addressing the service disruptions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Cornerstone First Mortgage, Inc.
State: TX

Complaint narrative:
Toward the end of XXXX, it was determined that I would not qualify for a mortgage through those lender. I had paid the appraisal fee in full before this was determined. Now, as of XX/XX/year>, my new lender and I are requesting the previous lender release my home appraisal and they are stating that I owe {$200.00} and sent me a link to pay it. I click the link and it states I have already paid. I have sent evidence of this and my original receipt and they still will not release my appraisal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
My mother was a patient at a nursing facility. They ( XXXX XXXX ) forgot to renew her medicaid benefits. I took care of the situation, got her reinstated and was under the assumption that medicaid would back pay the facility. About XXXX months after her release I received a call from XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX claiming my mother owed his client money and I ( me, myself ) needed to pay it. He XXXX XXXX called from a restricted number, so I thought he was a scammer. He XXXX XXXX called back the following week from a restricted number again with the same thing. I called XXXX XXXX and asked questions. XXXX XXXX informed me that I can pay them back directly instead of dealing with XXXX XXXX 's disrespect! XXXX XXXX threatened to take me to court and he sent me emails. I sent him an email explaining that XXXX XXXX said I could just pay them and to stop calling and emailing me. XXXX XXXX continued with his phone calls and court threats for XXXX months! He would call with threats on the XXXX of each month claiming the facility never received payment for that particular month. He only stopped after receiving a cease and desist notarized letter from me. My mom is XXXX and she had a XXXX XXXX years ago. This man called her house phone on XX/XX/XXXX, ( I answered ) claiming that XXXX never received the payment for XXXX. I asked he to not call this number anymore. He called back XXXX times!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding Wells Fargos handling of a fraud claim. I was the victim of an online marketplace scam and was deceived into sending {$740.00} via XXXX for a purchase on XXXX XXXX ( {$500.00} via Wells Fargo using XXXX ). The seller misrepresented themselves as a legitimate business, provided an invoice, confirmed delivery arrangements after payment, and then stopped responding and deleted their account. I reported this to Wells Fargo immediately, and the transaction was logged as fraud. Wells Fargo confirmed that they contacted the receiving bank and opened a case regarding the recipient account. However, I was later informed that my claim was denied because the payment was authorized and XXXX does not provide purchase protection. I understand that I authorized the payment, but I did so based entirely on false representations and deception. This situation meets the definition of authorized push payment fraud, where a consumer is induced to send money under fraudulent pretenses. I am requesting that Wells Fargo reconsider this claim under a fraud classification, confirm whether all possible recovery actions were taken, and provide a clear written explanation of their decision and policies regarding scams involving deception. I have supporting documentation including transaction records, communications, and the invoice provided by the seller.

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 2026-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
My complaint concerns a COVID mortgage payment deferral that was represented to us by our mortgage servicer as deferred payments that would be paid later and treated as a non-interest-bearing balance, not as a large increase to our principal balance. During COVID, we were told that our missed mortgage payments were being deferred and could be handled later at maturity, refinance, sale, or payoff. The way it was explained to us made it sound like a temporary relief optionnot a large new debt being added to the loan balance. Later, my wife signed a loan modification while I was not present, and we discovered that our mortgage balance had increased dramatically. The servicer now shows approximately {$150000.00} in additional balance that can not be reasonably explained by the number of payments we actually missed. We do not believe we had anywhere close to {$150000.00} in missed payments, and we are concerned that deferred payments may have been improperly capitalized into principal, added twice, or otherwise misapplied through the modification and servicing transfer. We have called multiple times requesting a full written accounting and breakdown of how this balance was calculated, including deferred payments, principal changes, escrow, fees, and the modification details. The servicer has failed to provide a clear written explanation or complete accounting. We are requesting : A full life-of-loan accounting and payoff breakdown A specific explanation of how the deferred COVID payments were handled Identification of any non-interest-bearing principal balance and whether it was improperly converted into principal Review of whether the loan modification was accurate and properly disclosed Correction of any improper charges, duplicate balances, or servicing errors Relief if the balance was improperly inflated through servicing or modification errors

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a call just around XXXX and the caller ID said XXXX XXXX . They said that there was an issue with a wire and I started messaging my assistant to see if she had any wires going out this morning as they flagged two wires, but they stopped them and if they were fraudulent so we were safe. As stated in other complaint, I never gave any information ; they already had my information. They said they had to disable to email and only send calls to my phone number ending in XXXX for further verifications and then told me to type a number into my cell phone so I knew where the calls would be coming from. When I returned from court, I saw multiple emails about wires XXXX of them starting at XXXX XXXX I never received the codes and never got a call with a code. WELLS FARGO BANK N.A. received several fraudulent wires from my account and i tried to call them to report it since i was getting no answers from my bank after the fraudulent transfers were reported immediately on the same day. I has been 7 business days and I have no information about {$250000.00} that was taken fraudulently from my business accounts.

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 2026-04-28 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: DE

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Dealing with financial hardship and reached out this company to ask for some sort of relief or waive of 39.99 % interest rates. On several occasions. Company instead reduced my limit and continued to bill me high interest over {$200.00} a month on some months and I have asked for temporary waive but have continued to be denied. They have impacted my credit score immensely by dropping my credit limit and even though im paying on time every month I can reduce this bill. I can no longer use this card and because of the high rates I can not pay it down. Company refuses to waive or do anything to help me pay this off And growing interest never allows me to pay it down.

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