vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Movement Mortgage LLC
State: NJ

Complaint narrative:
I am filing a formal complaint regarding the handling of my mortgage application, specifically the determination of my interest rate and the lenders failure to properly account for updated financial information. During underwriting, the lender increased our interest rate citing my husbands child support obligation as a factor affecting our debt-to-income ratio. We subsequently provided documentation confirming that this obligation had been fully resolved. Despite receiving this documentation, the lender did not re-evaluate or adjust our interest rate accordingly. As a result, we were locked into a higher interest rate than what should have applied based on our actual financial profile at the time. Based on our loan terms, this difference is estimated to cost approximately {$43000.00} over the life of the loan, representing a significant and avoidable financial burden. Given these circumstances, I am requesting : 1. A full review of the underwriting decision, including how and when our updated documentation was considered 2. A detailed explanation of how our interest rate was determined, including any adjustments made after receiving proof that the child support obligation was resolved 3. Copies of all internal notes, communications, and decision logs related to our file 4. A determination as to whether our loan terms were affected by incomplete or improperly evaluated financial information 5. Consideration of appropriate remediation given the estimated {$43000.00} financial impact This situation raises concerns about compliance with fair lending standards and consumer protection requirements. I am seeking both accountability and a fair resolution to address the financial harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Financial Institution : BMO Bank N.A . Account Type : Checking / Debit XXXX Total Disputed Amount : {$4800.00} BMO Claim Numbers : XXXX, XXXX, XXXX, XXXX, XXXX Detailed Description of Issue : I am filing this complaint because BMO Bank has failed to properly investigate and resolve a series of five fraudulent, unauthorized transactions totaling {$4800.00} that occurred on my account on XX/XX/year>. The transactions, labeled as XXXX XXXX XXXX XXXX XXXX, are entirely foreign to me. I have no relationship with this merchant, did not authorize these payments, and did not receive any goods or services in exchange for these funds. On XX/XX/year>, BMO Bank issued a denial of my fraud claims ( Reason Code D24 ), stating their records show the transactions were authorized by me. However, the bank has provided no documentary evidencesuch as a verified IP address, a PIN entry, or a multi-factor authentication logto support this conclusion. Under Electronic Fund Transfer Act ( Regulation E ), the burden of proof lies with the financial institution to demonstrate that a challenged transaction was indeed authorized.

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 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, in the evening, a debt collector for Chase bank ( XXXX Credit card ) called my father ( we have the same name ) and disclosed that my account was past due and need my contact info. The debt collector dod not disclose the company they worked for. Its my understanding that the debt collector can contact a family but CAN NOT disclose the c ok credit card company or disclose the status of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
My account was closed 2 months ago, and I haven't received a check from Bank of America account number XXXX. It was closed due to checks deposited by someone committing fraud using my account.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I submitted a Regulation E dispute on or about XX/XX/year> regarding unauthorized and/or incorrectly executed electronic fund transfers on my checking account. Since that time, PNC has provided multiple responses and large volumes of documents. However, those materials do not contain a clear transaction-by-transaction determination or identify the specific evidence relied upon for each disputed transaction. PNC has not clearly explained which specific transactions were credited, which were denied, or which remain under review. In addition, credited funds have not been fully released in a clear and usable manner, and the remaining disputed balance has not been clearly addressed. I have repeatedly requested a written explanation identifying, for each transaction, whether it was determined to be authorized or unauthorized, along with the supporting evidence ( such as authorization data, device or authentication information, and other records relied upon ). I have also requested confirmation of the status of provisional and final credits and release of any held funds. Instead of providing these specific findings, PNC has responded with general statements and document production, and has routed me through multiple representatives without a single accountable point of contact. This has created confusion and prevented resolution. As of now, the dispute remains unresolved, I do not have a clear transaction-level explanation of PNCs determinations, and funds that should be available remain restricted or unclear in status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Mariner finance sued me in court .. they keep reporting inaccurate amounts .. and they have a multi state lawsuit against them for doing fraud..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a card from U.S. Bank thanking me for applying for a U.S. Bank Smartly Checking account. I have never applied for or tried to open any account with U.S. Bank. I called them and they explained that someone did try to open an checking account in my name but was turned down. I explained I have a freeze on all of my credit bureau accounts, but they told me they go through XXXX and that I should contact you to have a freeze placed on my information here too. Please place a hold/freeze on my personal information so that no other checking account can be opened without my permission. 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 2026-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld System Inc collection agency reported to credit bureaus false/negative account for {$880.00}. Transworld System Inc has not provided validation information but yet they placed a collection on my credit report. I have not being giving a chance to dispute account. XXXX agency has no right to furnish information without providing all information. Validation information : the name of the furnisher, proof the furnisher certified the account as accurate, the date the certification was received, proof the XXXX notice was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: AR

Complaint narrative:
I closed the account XXXX months ago. I was told there was no fees just my monthly payment to pay off account. I have made payments every month on time and they still charge interest and participation. I was blatantly lied to and they refuse to acknowledge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I have an account on my credit from credit collection. I have contacted the company several times by phone and certified mail. Im requesting debt validation letter and payment history on the alleged account. On my credit report there is no account number or payment history listed so I cant verify the account is legit. Ive also contacted the original creditor and they have no account found under my name address or social

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
I am filing this formal complaint against XXXX, XXXX and XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ). On [ XXXX 2026 Dispute ], I submitted a formal dispute via certified mail ( Tracking # [ XXXX regarding inaccurate information on my consumer report. XXXX, XXXX and XXXX has failed to conduct a " reasonable reinvestigation '' as required under 15 U.S.C. 1681i. Specifically, they have either Failed to respond within the statutory XXXX-day window. TransUnion has failed to conduct a " reasonable reinvestigation '' as required under 15 U.S.C. 1681i. Specifically, they have either : Failed to respond within the statutory XXXX-day window. Provided a " verified '' response without providing a description of the procedure used to determine the accuracy of the information, which is a violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This is my second attempt to resolve these inaccuracies. The disputed accounts are : : XXXX : XXXX.c.system inc/chart communication account # XXXX about XXXX : XXXX credit card about # XXXX amount XXXX [ Reason " Account not mine XXXX : i.c.system inc/chart communication account # XXXX about XXXX : XXXX credit card about # XXXX amount XXXX account # XXXX amount XXXX account # XXXX amount XXXX XXXX account # XXXX amount XXXX XXXX : XXXX credit card about # XXXX amount XXXX account # XXXX amount XXXX account # XXXX amount XXXX XXXX account # XXXX amount XXXX XXXX XXXX XXXX is in " willful noncompliance '' of the FCRA. I am demanding that they immediately delete the unverified information from my file as required by 15 U.S.C. 1681i ( a ) ( 5 ), which states that if an item is found to be inaccurate or can not be verified, it must be promptly deleted. Desired Resolution : I request that the CFPB compel XXXX to perform their statutory duty and immediately delete the inaccurate and unverified accounts listed above from my consumer report.

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 2026-04-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
They called my ex husband. XXXX XXXX or XXXX XXXX XXXX XXXXXXXX. This company a XXXX XXXX debt company called my ex husband and mother in law disclosed my information and that I owed XXXX dollars. I do Not appreciate this whatsoever especially because this loan was from before I even Got married

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Credit and Collections Inc.
State: SC

Complaint narrative:
A debt collector is attempting to collect {$1300.00} related to a rental property. I terminated my lease on XX/XX/year> and vacated on XX/XX/year> due to unsafe and uninhabitable living conditions, including pest infestation, non-functioning air conditioning, plumbing leaks, broken windows, and unsanitary conditions. Multiple maintenance requests were submitted and not resolved. Under South Carolina law, I was justified in terminating the lease. Any charges after termination are invalid. Despite this, the debt collector reported this account to credit bureaus and is attempting to collect without proper validation. I requested validation, but no lease agreement, final statement, or itemized charges were provided. This appears to be an attempt to collect a debt not owed and report inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
My daughter and I rented a XXXX apartment from XXXX XXXX after getting out of an abusive relationship- we moved out after repeated inquiries about the parking situation in which they told us to park in a designated parking area but was towed over the weekend. We tried to reach them but every communication was answered by an AI type chat box - we finally reached someone who told us that even though XXXX parking spots were included in the lease they did not have any other parking permits available, I was pregnant at the time and having to park off-site and coming home at night was not what we had signed up for. They are renting units without available parking and we were not told this was going to be an issue. There is no onsite management and every communication concerning this and a roach infestation inside the apartment was not followed up on. The parking situation was not acceptable and I have various emails that went unanswered or replied by autobot saying someone will be contacting us. A XXXX apartment with just one parking spot was not agreed to and it costs us {$500.00} in tow fees even though we parked where the leasing agent indicated we should. Communications regarding this were ignored and when we did move out they kept out deposit which we were ready to forgo just to have a safe place to park while pregnant. We did not hear from them until I got a notice of collection for an additional {$920.00} just in the last month which is a YEAR after moving out without a chance to address the issues they caused by misrepresenting the lease. I got a collection even though I had excellent credit and made lease payments on time and tried every way of communicating the situation and letting them know of the safety issue the misrepresentation of the assigned parking was causing given the amount of high rent we were paying for a XXXX that was supposed to have an assigned parking spot plus a permitted parking permit spot.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CA

Complaint narrative:
If Cashapp messes up and lets money out your account, it could be them letting other borrow from you without a %. That in the XXXX alone is very illegal. Its a banking system with no laws or offices. Doesnt stand right with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a XXXX purchase on XX/XX/year> in the amount of {$1200.00}. I then attempted to send that XXXX to a friend that I was making a purchase from. The attempt failed and the XXXX was not sent. I then transferred the money back into my XXXX account. The amount in my XXXX account is {$1200.00} because there were fees involved in selling the XXXX. Without any warning or explanation at all as soon as I transferred that money from XXXX back into my XXXX account my account with XXXX was permanently closed and they are holding my money for up to 180 days. This is criminal. They have no right to keep my money. I have done nothing wrong. I tried to speak to them but they don't tell me anything. I want my money refunded to me immediately. I have XXXX children and a grandchild that I support and this is devastating to me to lose this amount of money. Any help you can give me would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding what I believe to be improper, and potentially fraudulent, mortgage servicing practices involving my XXXX home loan. My husband, XXXX XXXX, and I purchased our home in XXXX XXXX, XXXX in XX/XX/XXXX using a XXXX loan. Due to financial hardship, we pursued a loan modification with our original servicer, XXXX XXXX XXXX. This loan modification was successfully executed, finalized, and recorded in XX/XX/XXXX. Shortly thereafter, our loan was transferred to a new servicer, PHH Mortgage, now operating as Onity. At the time of transfer, the fully executed and legally binding loan modification agreement was not properly onboarded into the new servicers system. As a result, our account has not been serviced in accordance with the terms of the executed modification. Despite providing documentation and making repeated attempts to resolve the issue, Onity has failed to correct their records. Instead, they have presented us with a separate loan modification proposal that is unsupported by documentation, inconsistent with our executed agreement, and lacking any explanation or acknowledgment of the existing modification. Given that this is a XXXX loan, I am particularly concerned about the failure to properly maintain and honor federally governed loan terms and borrower protections during the servicing transfer. This conduct raises serious concerns, including but not limited to : -Failure to honor a legally executed and recorded loan modification -Misrepresentation of loan terms -Lack of transparency in presenting new financial obligations -Failure to maintain accurate loan records during servicing transfer -Potential noncompliance with XXXX loan servicing requirements -Repeated failure to respond meaningfully to borrower inquiries We have made no fewer than XXXX dozen attempts to contact Onity by phone and email. These efforts have resulted in inconsistent information, no clear resolution, and a complete lack of accountability. At this time, we have not received adequate communication from any individual empowered to resolve this matter. This situation has caused significant and ongoing financial stress, as well as emotional distress, over the past XXXX months. I am prepared to provide all supporting documentation, including the executed loan modification agreement, correspondence records, and any additional materials needed to support this complaint. Thank you for your time and attention to this matter. I am hopeful for a prompt and fair resolution. Sincerely, 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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank has my checking account blocked after XXXX XXXX sent me an email claiming there were an outstanding balance I owed. I called Citibank customer service, they did not help me. I have funds in my account that I cant get access to because they blocked my account.

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