vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am submitting a second complaint regarding my mortgage servicer, NewRez, because their response to my original CFPB complaint was inaccurate and did not address the core issue. In their response, NewRez stated that my escrow shortage was caused by higher-than-expected property taxes and/or insurance. This is incorrect. At closing in XX/XX/XXXX, my escrow was established using known and accurate amounts for property taxes ( approximately {$4800.00} ) and homeowners insurance ( approximately {$880.00} ). These amounts have not materially changed. The shortage was not caused by an increase in taxes or insurance. Instead, it was caused by NewRez issuing a surplus refund of {$4100.00} in XX/XX/XXXX before a full escrow cycle had been completed. At the time they issued this refund, they had not yet paid a full year of property taxes and insurance under their servicing. After issuing the surplus, NewRez later paid the expected tax and insurance amounts, which were consistent with the figures used at closing. Because those funds had already been refunded to me, the escrow account became deficient, resulting in a shortage of approximately {$5800.00} and a significant increase in my monthly mortgage payment. As a first-time homeowner, I reasonably relied on NewRezs escrow analysis and their representation that the refunded amount was a legitimate surplus. I acted in good faith based on the information provided by my loan servicer. Additionally, NewRez advised me to contact XXXX XXXX regarding my property taxes. This is not relevant to my complaint. My concern is not with the tax authority, but with NewRezs handling of my escrow account and their decision to issue a surplus refund prematurely. Although NewRez has spread the shortage over 24 months, the resulting payment increase remains significant and has created financial strain. This situation was caused by the servicers actions, not by any change in my financial obligations. I am requesting a full and accurate review of my escrow account based on the actual sequence of events. I also request that the escrow shortage be reevaluated and that a fair resolution be considered that does not place the full financial burden of this error on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have some hard inquiries on my report I dont recognize or authorize. Please I will appreciate if u can remove it from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). I made consistent monthly payments on this Bank of America credit card account throughout XXXX and XXXX, as reflected by the steady reduction in the account balance during that time. Despite this, the account is now being reported with inaccurate payment information, including indications that {$0.00} was paid and the presence of delinquency statuses that do not align with my actual payment history. The reporting is internally inconsistent. The account shows payments being made and balances decreasing, yet also reflects missed or late payments and incorrect payment amounts. This indicates that payments were either misapplied or inaccurately reported. I disputed this issue, but the account was verified without any correction or proper explanation. I also requested documentation supporting the reported payment history, balance, and delinquency status, but no documentation was provided. This demonstrates that Bank of America failed to conduct a reasonable investigation as required under 15 U.S.C. 1681s-2 ( b ) and continues to report inaccurate and misleading information. Due to the inaccurate and unverifiable nature of this account, I am requesting its complete deletion from all credit reporting agencies. I am not requesting a correction or update, only full removal.

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 2026-03-18 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: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Product : Credit Card Issue : Incorrect charge / Fraud or scam Company : Schools First Federal Credit Union Complaint : I am filing this complaint regarding unauthorized charges on my credit card account that have been improperly denied after I disputed them. There are eleven ( 11 ) unauthorized transactions from a merchant listed as XXXX XXXX, each in the amount of {$100.00}, totaling {$1100.00}. I did not authorize these charges, did not participate in these transactions, and did not receive any goods or services from this merchant. I have been a cardholder with this institution since XXXX and have maintained my account in good standing with no prior history of fraud claims or disputes. These transactions are completely inconsistent with my normal purchasing activity and strongly indicate that my card information was compromised. I previously filed a dispute with the credit card company, and the claim was denied due to reasonable doubt. However, no sufficient explanation or supporting evidence was provided to justify this decision. I am requesting that the company provide the specific evidence used in making this determination, including any transaction data such as IP address, device information, or authorization method. Under the Fair Credit Billing Act ( FCBA ), I am not responsible for unauthorized charges. I have clearly stated that I did not authorize these transactions and expect proper protection under federal law. I am requesting the following resolution : Immediate reversal and permanent credit of the {$1100.00} in unauthorized charges A full and transparent reinvestigation of my claim Written documentation explaining the basis for the original denial I am willing to provide any additional documentation required, including a fraud affidavit or police report. This matter has caused financial stress and concern regarding the security of my account. I respectfully request prompt resolution. Desired Resolution : Refund/ Remove charges

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: Mortgage One Funding LLC
State: GA

Complaint narrative:
Mortgage One Funding is the company I was dealing with. An appraiser was set up to come to my house to finish the process. I was told that I would be charged {$750.00} for the appraisal. This company has not returned any of my inquiries about the status of the loan, but my credit card has been charged for the appraisal fee. Something seems not quite right here, and I can not get anyone to contact me and explain what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC
State: MI

Complaint narrative:
The actual problem is they sent an email to my mother, with the amount of the debt and who it was owed to. This directly violates my rights.they also sent a text to my mother about a different debt I owed that also had the amount and who it was owed to. If this behavior continues, I will be suing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX The actual date of first delinquency under FCRA 623 ( a ) ( 5 ) which is this case is a Metro 2 Compliance violation. The reported Date Opened XX/XX/year> can not be used to re-age an older alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose, Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors, I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 1. TRUIST BANK Account Number : XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud

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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, at XXXX at the Wells Fargo XXXX XXXX XXXX XXXX XXXX branch, I was assisted by XXXX XXXX I went to deposit a check for {$1600.00} and requested a cash withdrawal of {$600.00}. The receipt incorrectly shows that {$1000.00} was given to me in cash. In reality, I only received {$600.00}. Consequently, only {$600.00} was credited to my account, leaving {$400.00} missing that was never received or deposited. I filed a claim with the bank Claim Number : [ XXXX, but it was denied based on evidence that was never provided to me. I formally requested copies of all supporting documentation, including transaction records, teller balancing records, and any available surveillance footage, but I have not received anything. I am requesting that my case be reopened, thoroughly investigated, and resolved. This situation involves missing funds due to a banking error, and I expect a complete and transparent review.

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 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This loan XXXX is for an RV that I purchased in XXXX of XXXX. BMO sent me payment books. I went online and set up online payments. I set up transaction XXXX to pay this my first month on XX/XX/XXXX. This transaction was double charged from my XXXX checking account. The second month transaction XXXX the same thing happened. Both times the bank was contacted and it was corrected. After the second time they told me to use XXXX to pay my loan instead of using BMO online payment. I have been making payments in excess of the loan amount in order to pay it off sooner than XXXX years. Mid summer XXXX I received notice from BMO in the form of new payment books that if I wanted to pay excess I needed to mail them a check with the new payment book and check the box for apply to prinicple. BMO was just applying my payments to future payments. On XX/XX/XXXX at XXXX XXXX XXXX I called BMO asking them if they could take any " excess '' that I had paid and apply it to the principle. They took my last XXXX payments and applied them to the principle. I told them please don't do anything if that would make it short pay. I have been paying {$50.00} to {$200.00} extra most months for the past XXXX years. They applied the principle payments which then did infact leave me short paid, so I was charge a fee and interest. I called and was told there was nothing they could do. They did refund the fee, but I had to make another payment in XXXX because of this. Now that I have made the principle payments not a single dollar paid in XXXX, XXXX or XXXX has been applied to priniciple. When I called in XXXX I asked if there was any way that they could mark my account to pay the principle on over payment and they said that the only way was for me to call every month. My balance since the XXXX has been {$110000.00}. It has only been applied to interest all {$3100.00}. No where was I informed that paying the principle would mean that no money would be applied in the future. How is this legal? Below is the transaction history since for the last XXXX months showing no change in principle. REGULAR PAYMENT + {$1000.00} XX/XX/XXXX {$110000.00} Principal : {$0.00} Interest : {$1000.00} Other : {$0.00} REGULAR PAYMENT + {$1000.00} XX/XX/XXXX {$110000.00} Principal : {$0.00} Interest : {$1000.00} Other : {$0.00} REGULAR PAYMENT + {$1000.00} XX/XX/XXXX {$110000.00} Principal : {$0.00} Interest : {$1000.00} Other : {$0.00}

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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate personal information reported on my account associated with Midland Credit. The date of birth currently listed ( XX/XX/XXXX ) is incorrect and does not belong to me. My correct date of birth is XX/XX/XXXX. I am fully able to verify my identity with a valid identification card or any additional documentation if required. Due to this discrepancy, I request that this incorrect information be immediately corrected or removed, as it does not accurately reflect my identity. Please investigate this matter and update your records accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: KS

Complaint narrative:
XX/XX/year> {$10.00} XXXX : second phone number I have no idea where this transaction came from. It just appeared on my Goldman Sachss Apple Card. I dont have the app. I got no response from the app contact I disputed with Apple and they denied my dispute to be clear. This is a fraudulent transaction that I did not authorize.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
TO : : CFPB XX/XX/XXXX From : XXXX XXXX XXXX Firstly, purchases of {$100.00} and {$500.00} were charged on my Apple Card. ( Additional charges on other cards all except Goldman Sachs were refunded. ) I was contacted by someone I thought was Apple. My wallet was lost on XX/XX/XXXX. I contacted Apple and was the man I talked with said he could not help me but gave me as you can see from my documents XXXX XXXX who could. I let them have access to my XXXX ( assumed it was Apple ), and they created and/or had me create documents for gift cards to recover charges that had been charged to my accounts, which had been made on my accounts. 1. I called Apple for help with my Apple Card and a bogus charge sometime around XX/XX/XXXX. I dont remember the exact date because I deleted the initial screens before realizing they could be relevant to this scam. 2. The man I spoke with at what I thought was Apple, as the phone number said Apple. Initially, he said he couldn't help and gave me a number for a higher level tech. It was a XXXX number, labeled as Apple Support XXXX. At this point, I complied because the phone number said Apple. However, Im wondering why I have to create a gift card for gift cards that I have never used or for places such as XXXX, XXXX XXXX, or XXXX. something. Additionally, they asked me to use a program called XXXX, which I had never heard of or used. 4. When I finally realized it was a scam and tried to cancel and get my money back, the scammers were gone. 5. Except for Apple ( Goldman Sachs ), all other credit card companies have refunded my money. 6. Goldman Sachs sends me denials for the {$100.00} and {$500.00} charges through no return mail, so I cant communicate or ask questions. I just received their letter on the XXXX. The only reason I did any of this was that I believed I was talking with Apple, as you can see from the included information. And I have much more. As a retired professor, I feel entirely mortified, but I dont cheat or lie. I live within XXXX miles of shopping centers, hospitals, doctors, literally everything I could ever need. I have my own car, and my sister, who lives with and takes care of me, also has a car. XXXX and XXXX have refunded the bogus charges that were made on their respective cards. Im asking for your help because I thought I was dealing with Apple. 7. Im seeking a refund for the {$100.00} and {$500.00} charges, which I did not make. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief