vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Reverse 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
My mother passed away with a reverse mortgage on her home. Once I was finally able to hire a real estate attorney to force the first real estate agent to release me from a fraudulent seller 's contract, I requested the 95 % Heir Payoff workout. PHH/Onity began the process, and ordered the interior appraisal. However, XXXX employee, XXXX XXXX took over the file and forced the home into trustee auction on XX/XX/XXXX despite the federal government shutdown and HUD guidance that prevents the sale during a shutdown. On XX/XX/XXXX, PHH/Onity rescinded the auction to allow for the heir payoff workout, set to expire on XX/XX/XXXX. The lender I had been working with stop responding to work with me on XX/XX/XXXX, so I contacted Rocket Mortgage who jumped right in and has worked relentlessly to get this pushed through so I can stay in my home. From XX/XX/XXXX - today ( XX/XX/XXXX ), XXXX XXXX at PHH/Onity has REFUSED to work with my lender or order the new interior appraisal so I can refinance the home. The foreclosure department ordered the appraisal on XX/XX/XXXX, but the XXXX explained to me that they prevented him from contacting me for a week. XXXX XXXX has stated that the auction dated XX/XX/XXXX will not be delayed and the home will be sold. How can he do this legally, when my lender has been working with him non-stop for 60 days requesting the 95 % Heir Payoff amount but he has refused to cooperate in any fashion!!??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Subject : XXXX XXXX Wells Fargo for XXXX XXXX XXXX XXXXXXXX XXXX % XXXX Offer : I originally opened the Wells Fargo XXXX XXXX card based on promotional advertising for a 0 % introductory XXXX period. In addition, I later received a direct promotional letter from Wells Fargo offering 0 % APR for XXXX months on the same credit card account. Based on these representations and offers sent directly to me, I reasonably believed my account qualified for promotional financing terms. In response, Wells Fargo stated that, according to their terms and conditions, customers may not be eligible for introductory APRs if they have opened a Wells Fargo XXXX XXXX card within the past XXXX months, even if that account is now closed. Amount of interest charged : {$1300.00}

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 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I purchased a XXXX XXXX XXXX financed through XXXX XXXX and am currently attempting to register the vehicle with the New York DMV. For the past month, I have contacted XXXX XXXX every other day requesting a compliant Letter of Permission required by the New York DMV. Unfortunately, although the letter has been sent several times, the documents provided do not satisfy New York DMV requirements. The New York DMV specifically requires that the Letter of Permission contain : My full legal name exactly as : XXXX XXXX XXXX A physical wet signature A notary stamp/seal The letters previously sent to me did not include the required physical wet signature and notarization, making them unacceptable to the DMV and causing significant delays in my vehicle registration process. I respectfully request that XXXX XXXX immediately issue and mail an original corrected Letter of Permission that fully complies with New York DMV requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: Block, Inc.
State: GA

Complaint narrative:
I submitted a dispute and reported card lost/stolen and also a police report. The funds are not back in my account and they actually threatened to close my account if I loose the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Without meaningful advance notice, American Express imposed what appears to be a temporary spending limitation or financial review/risk re-evaluation following a recent auto purchase that resulted in essential purchases, including gasoline, being declined at the point of sale. Additional legitimate transactions were delayed or disrupted pending approval. This occurred despite my account otherwise remaining in good standing and I having been a cardmember since 1986. Furthermore, attempts to resolve the issue through customer service were unsuccessful. Representatives were unable or unwilling to provide a clear explanation of the restriction, a timeframe for resolution, or any meaningful accommodation despite the impact on essential purchases and pending transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I paid {$590.00} via XXXX to an online wig vendor ( XXXX XXXX XXXX XXXX for custom wigs that were never correctly delivered. I filed a dispute with Navy Federal for the {$590.00} charge on my XXXX card. Navy Federal denied my dispute after accepting a fraudulent tracking number as proof of delivery. The tracking number showed delivery to an address I never provided. The vendor shipped wrong items without my consent after I had already requested a refund. The vendor also submitted false seller notes to Navy Federal claiming I refused to return items, which is provably false I repeatedly requested a return address which the vendor refused to provide. Navy Federal failed to properly investigate and accepted fraudulent documentation. XXXX XXXX report XXXX, XXXX XXXX report XXXX, FBI IC3 complaint XXXX, FTC report XXXX, and civil case XXXX filed in XXXX XXXX XXXX XXXX have all been filed against the vendor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: TransferWise Ltd
State: MI

Complaint narrative:
In XX/XX/year>, XXXX XXXX placed multiple pre-authorization holds on my Wise debit card during a cruise. My final onboard folio was fully settled and paid upon disembarkation. However, the pre-authorization holds remained active for more than 30 days, restricting access to my funds and causing overdraft/financial issues. I contacted XXXX XXXX multiple times and was told they could not release the holds and that the issue was with my bank/card issuer. I then contacted Wise multiple times and filed disputes for each stale authorization. Wise continued to state that the transactions were still pre-authorized and did not provide a resolution timeline or manual release process. These duplicate/stale authorizations continued to tie up my funds despite final settlement already being completed by the merchant. I am requesting : - investigation of the unresolved authorization holds, - release/refund of any improperly restricted funds, - reimbursement of related fees or financial harm, - and review of Wises handling of stale debit-card authorizations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
LVNV funding is opening up accounts in my name I am a victim of identity theft they are opening up accounts in my name saying the its active amounts are XXXX {$690.00} $ and XXXX $ didnt open up any accounts and its showing it was open in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MN

Complaint narrative:
demand i pay the debt or my debt will increase saying i need to pay it in XXXX day

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: TN

Complaint narrative:
My name is XXXX XXXX. I opened a business account on Relay bank, which is under XXXX XXXX. My account number is XXXX and Routing number is XXXX. My social number is XXXX and my business name is XXXX XXXX XXXX XXXX My address is XXXX XXXX XXXX, XXXX, TN XXXX. They close my account without any reason and it influence my business as I provide my bank information to my suppliers and others companies who need to pay funds to me. And also my funds are hold there in the account and I can not get it. They didn't give me any information that how long I will get the money back. So I really want to complain about this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX XXXXXXXX XXXX contacted me to collect a debt. I let her know that I will be in touch on the XXXX or if someone could contact me. She was very hostile and refused to acknowledge that phone call for the XXXX proceeded to ask me if I had a pen and paper. I said I do not and she ended the call I called back to request the information she was going to give me for the pen and paper that she asked that I had and she began to raise her voice and speak over me and refuse to give me any information regarding my file and ended the call. I spoke with the supervisor she refused to acknowledge that this behavior was unprofessional and inappropriate and I do not feel comfortable with this company having my personal information she in a threatening manner XXXX let me know that its my credit that shes in control of and hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: FL

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 2026-05-13 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: TX

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this formal statement to dispute the continued presence of negative accounts and collections currently appearing on my credit file. Please be advised that these accounts have already been fully settled and resolved. As such, their continued reporting as active negative items is inaccurate, misleading, and damaging to my financial standing. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am demanding that you immediately remove these negative accounts and collections from my credit report. Because these matters have been settled, I also formally request that you block these specific items from being reported or appearing on my credit file ever again. The reporting of settled items as derogatory is a failure to maintain maximum possible accuracy of my credit information.

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 2026-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: WA

Complaint narrative:
Had an external account set up that was working fine to transfers. Tried to make a transfer today, the account was no longer on the list. Called the bank- they said they changed their verification systems I asked if a notice had been sent out on this. Pointed me to an email I received that day that had no mention of this change

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 2026-05-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Was victim of fraudulent wire disbursement from an Ally bank account. As a result, Ally transferred funds to new bank accounts, one of which is a money market savings account # XXXX ( closed acct. ). The XXXX earned for XX/XX/year> was 3.30 % and for XX/XX/year> was 3.20 % -see attached statements. However, the rate for XX/XX/year> was 0.11 %, clearly an error. In addition, there was a negative interest of {$15.00} on XXXX-see attached. The interest shortfall is about {$70.00} to {$75.00} which was not included in my final chceck when Ally Bank closed the account without my approval.

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 2026-05-13 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: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I am writing to file a complaint regarding RoundPoint Mortgage LLC inaccurately reporting my mortgage account to all three major credit bureaus. Despite my compliance with their guidance and ongoing mortgage repayment plan, they are reporting my account as 120 days past due as of XX/XX/XXXX, which I believe is incorrect and unfair. Details of the Issue : 1. Account Information : o Lender : RoundPoint Mortgage LLC o Mortgage Account Number : [ Insert your account number ] o Property Address : [ Insert property address ] 2. Timeline of Events : o XX/XX/XXXX XX/XX/XXXX : RoundPoint prevented me from making single-month payments. o XX/XX/XXXX XX/XX/XXXX : I submitted a Mortgage Assistance application that included a XXXX decision period, during which RoundPoint restricted payment acceptance. o XX/XX/XXXX XX/XX/XXXX : I am enrolled in a mortgage repayment plan. o First payment of this plan : Made prior to XX/XX/XXXX. o Despite compliance and ongoing repayment, RoundPoint continues to report my mortgage as 120 days late on my credit report. Impact : This inaccurate reporting has negatively affected my credit profile and may have long-term financial consequences, including higher interest rates and reduced credit opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harley Davidson Financial Services Inc
State: IL

Complaint narrative:
Harley financial repeatedly calls 7+ times a Day non-stop 7 days a week when youre late on a payment. And this will continue until your debt is payed current

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I had to make a reservation change from XXXX XXXX and they charged me {$14.00} and had to paypal. I went ahead and made the payment and paypal has since taken the money. But the status on paypal says payment pending. I spent 3 hour on the phone only to be told its take 10 days to complete some security review and XXXX XXXX saying without payment receive they will cancel my reservation. Please help me resolve

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Formal Complaint Against BMO Bank N.A . Issue : Improper Account Freeze and Unlawful Detention of Validated Cash Funds. Details : On XX/XX/year>, I attempted to withdraw a cash deposit of {$1000.00} at the BMO branch located at XXXX IL. During the transaction, a BMO employee actively instructed me to repeatedly attempt/resubmit the transaction. This repetitive activity, explicitly directed by bank staff, triggered an automated fraud flag. BMO has subsequently frozen my account and stated they will hold my entire cash balance for up to 90 business days during an account closure. Regulatory Violation : Per BMO 's published Deposit Account Agreement ( Section 8, Funds Availability ), funds from cash deposits made in person with a BMO banker must be made available on the same business day. There is no check clearing risk or counterparty dispute risk associated with physical cash. Resolution Demanded : I demand that BMO immediately elevate this case to a Senior Fraud Analyst to manually override the automated system flag, acknowledge the employee error that caused the loop, and issue my total cash balance via a corporate cashier 's check to finalize the account closure.

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