vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This complaint concerns mortgage servicing issues involving escrow accounting errors, force-placed insurance charges, inaccurate payment application, and failure to adequately respond to requests for information. The loan originated on XX/XX/XXXX with XXXX XXXX XXXX XXXX. Servicing was later handled by Ditech Financial LLC and eventually transferred to NewRez LLC in XXXX. Beginning in XXXX, mortgage statements reflected irregular escrow activity and insurance charges that appeared inconsistent with actual disbursements. On XX/XX/XXXX, force-placed insurance associated with XXXX XXXX Insurance Company appeared on the account despite evidence that insurance coverage already existed. These charges increased the escrow balance and monthly payment. Mortgage statements during this period also reflected inconsistent payment amounts and unexplained changes to the total amount due. Payments appear to have been misapplied or not properly credited, which contributed to the account being reported as in default. On XX/XX/XXXX, a servicer response to a borrower inquiry reflected inconsistent account balances and late fees. In XX/XX/XXXX, the servicer issued a disaster-related forbearance due to a XXXX event . After the forbearance period ended, the loan was still reported as in default despite payments being made during that time. On XX/XX/XXXX, a written request was submitted to the servicer requesting verification of the loan account, including escrow charges, insurance premiums, and payment application. The responses received did not fully address the discrepancies. Although servicing transferred to NewRez in XXXX, the escrow and accounting issues remain unresolved. From XXXX to the present, foreclosure activity has continued while these servicing disputes remain unresolved. These issues appear to violate obligations under the Real Estate Settlement Procedures Act related to escrow management, force-placed insurance procedures, and responding to borrower requests for information. Closing Because these servicing disputes remain unresolved and foreclosure activity has continued despite prior requests for clarification and correction, regulatory review is requested to ensure the mortgage account is properly audited, errors are corrected, and the servicer complies with federal mortgage servicing requirements.

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: VA

Complaint narrative:
I made a purchase with Cash App on XX/XX/scrub>, 2026. The company name is XXXX XXXX XXXX. I have been reaching out to both Cash App as well as this company. But the issue has not been resolved. I put in a claim to dispute this product with Cash App app and was denied. they stated that my services were fulfilled, but I never received my merchandise. The tracking number that was sent shows that the merchandise was still sitting in customs on XX/XX/XXXX. And I still have not received anything and Cash app will not reopen my case. The company website and phone number is unavailable. and I stayed at to Cash App that I thought it was fraud because I have not received my merchandise. Cash app is now giving me the runaround. I have been dealing with them for the past XXXX weeks. So now XXXX cant reach the company Cash App wont reach out to the company and Im out of {$50.00}. I sent all the documents showing that the merchandise was in customs on XX/XX/XXXX. I sent pictures of the website and telephone number not being available for this company. Yet Cash App denies getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 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: U.S. BANCORP
State: CA

Complaint narrative:
I have been a customer since XXXX and accumulated a substantial number of rewards points over several years with the understanding that each point could be redeemed for travel at a value of XXXX cents per point. I intentionally saved these points with the plan to redeem them for travel at that rate. When I attempted to redeem my points in XXXX, I discovered that the redemption value had been reduced to XXXX cent per point as of XX/XX/XXXX. This change significantly reduced the value of the points I had accumulated over time, resulting in an estimated loss of approximately {$1000.00}. The issuer states that communications regarding this change were sent. However, I did not receive or see any such notification, and I was not aware of this material change prior to attempting redemption. As a result, I continued to accumulate and hold points under the assumption that the original XXXX cent redemption value still applied. I relied on the original rewards structure when making spending decisions and when choosing to retain points rather than redeem them earlier. The change in redemption value after years of accumulation materially impacted the value of the program. I contacted the issuer and escalated the issue, but the only resolution offered was a {$50.00} credit, which does not reasonably reflect the magnitude of the loss. I declined the points at {$50.00} value. I am requesting a fair adjustment that more appropriately reflects the value of the points as they were reasonably understood and relied upon at the time they were accumulated.

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 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a Citi XXXX XXXX account with multiple promotional balances, including a promotional purchase balance that expires in XX/XX/year>2026. I have been making payments, but I was informed by Citi that my payments ( including extra payments above the minimum due ) are being applied to other promotional balances with later expiration dates instead of the promotional balance expiring in XX/XX/year>2026. I requested that my payments be directed or reallocated to the XX/XX/year>2026 promotional balance, but I was told this can not be changed and that payments will continue to be applied according to Citis internal allocation rules. I am concerned because if the XX/XX/scrub> 2026 promotional balance is not fully paid by the expiration date, I may be charged deferred interest on the entire promotional amount. I am not receiving a clear way to ensure this balance is paid off in time. I am requesting clarification on how payments are applied across promotional balances and a clear payoff method or resolution that ensures the XX/XX/scrub> 2026 promotional balance is fully paid before expiration

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 2026-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: IA

Complaint narrative:
I was contacted through a XXXX account that appeared to belong to someone I knew personally. The account had been compromised without my knowledge. Based on prior familiarity and communication, I believed I was dealing with a legitimate person. During the transaction process, I was instructed to send funds through Chime to accounts that I later learned were fraudulent. While attempting to send the funds, Chimes system flagged the transactions as suspicious and temporarily restricted certain transfers. This indicated that the platform recognized a potential fraud risk. Despite these warnings and flagged activity, the transactions were ultimately allowed to be completed. I relied on Chimes fraud detection and protection systems to prevent unauthorized or suspicious transfers. However, those safeguards failed to stop the loss, even after risk indicators were triggered. After realizing I had been defrauded, I immediately attempted to address the issue and requested an investigation, explanation, and reimbursement. The funds were sent under false pretenses as a result of a compromised account impersonating a trusted contact. I am requesting a full investigation into these transactions and reimbursement of the funds, as Chime identified suspicious activity but failed to take sufficient action to prevent the financial loss

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Figure Technologies, Inc
State: CO

Complaint narrative:
Figure lending had a breach that exposed my data and failed to notify me. The company failed to inform me about this breach and what information was taken. I was informed by a third party monitoring service on XX/XX/XXXX and still havent heard anything from the company about it. Im still finding out about what was exposed but it does look personal information was leaked

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Omni Financial Corp.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX acct : XXXX, Has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
b'I. Violation of the Fair Credit Billing Act (15 U.S.C. 1666)\nUnder 15 U.S.C. 1666, I submitted a formal notice of a billing error and a request for accounting. Per Regulation Z, NFCU is required to acknowledge receipt within 30 days and conduct a reasonable investigation. Despite XXXX confirmation of delivery (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX), NFCU has willfully ignored this dispute, constituting a procedural default.\nII. Violation of 15 U.S.C. 1666d (Treatment of Credit Balances)\nI am invoking 15 U.S.C. 1666d, which mandates the immediate crediting of a consumer\'s account. Due to the failure of consideration under Restatement (Second) of Contracts 348 and improper accounting of Deferred Acquisition Costs (DAC) under ASC 944-40, I am demanding the immediate restoration of the full credit amount allowed. NFCUs failure to reflect this credit balance constitutes an unfair and deceptive practice.\nIII. Failure of Valuable Consideration & Accounting Standards\nNFCU has failed to prove that it provided valuable consideration from its own assets. If this account was funded via the monetization of my own instrument without an exchange of "reasonably equivalent value" (as referenced in the Uniform Fraudulent Transfer Act), NFCU is in violation of GAAP and FASB standards. I specifically demand proof of compliance with Federal Reserve Board Operating Circular No. 4, Section 10.3, regarding the authorization and settlement of these credits.\nIV. Violations of FINRA Rule 11630 & UDAAP\nNFCUs refusal to provide a sworn oath of office or an affidavit of authority upon Presentment (UCC 3-501) is a violation of the "Just and Equitable Principles of Trade." By failing to provide transparency in their clearing processes (FINRA Rule 11630), they are engaging in Abusive acts by taking unreasonable advantage of my lack of understanding regarding their internal "book entry" accounting methods.\nV. Religious and Disability Discrimination (RFRA & ADA Section 504)\nBy ignoring my demand for equitable relief and religious accommodationsspecifically the requirement for a sworn oath of officeNFCU has violated the Religious Freedom Restoration Act (42 U.S.C. 2000bb) and Section 504 of the ADA. These are discriminatory practices that fall under the CFPBs mandate to protect consumers from "Deceptive" and "Abusive treatment'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Momnt Technologies, Inc.
State: FL

Complaint narrative:
I applied for financing for a home improvement project through a contractor around XXXX. The financing was connected to Momnt Servicing Company and XXXX XXXX XXXX. Although I applied for financing, the home improvement work was never performed and no services were completed at my property. The contractor never completed any work and I did not receive any benefit from the loan. At the time, I believed that the financing application was only being reviewed and I was never informed that the loan funds had actually been disbursed. Years later I discovered that a loan balance had been created and that interest and fees had accumulated. I contacted the company and requested documentation related to the loan. The company provided some documents but did not provide sufficient proof showing that the work was completed or that I properly authorized the release of the loan funds. Since the services were never performed, I am requesting a full investigation into how and when the loan funds were disbursed, who received the funds, and what documentation exists showing that I authorized the disbursement and that the contracted work was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
On XX/XX/year>, I received a collection notice from McKenzie Paul & Associates ( Reference ID XXXX ) demanding {$430.00} for an alleged debt to XXXX XXXX XXXX. This debt is not valid for the following reasons : The underlying contract is void as a matter of law under Texas Business & Commerce Code 601.201. The service was sold through a door-to-door solicitation on XX/XX/year>. The seller never provided the required written Notice of Right to Cancel as mandated by 601.053 ( b ). A void contract can not generate an enforceable debt. The salesman verbally represented I could cancel within XXXX hours with no penalty. I attempted to cancel the next day. On XX/XX/year>, XXXX XXXX XXXX issued a {$320.00} cancellation fee instead of honoring the cancellation contradicting the verbal promise. On XX/XX/year>, I emailed XXXX XXXX XXXX refusing to pay and citing the Texas Door-to-Door Sales Act. They never responded and instead sent the debt to collections. Additional concerns about McKenzie Paul & Associates : The debt amount increased from {$320.00} to {$430.00} a {$100.00} ( 32.5 % ) increase with no itemization or explanation provided, potentially violating 15 U.S.C. 1692f ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Under consumer law ( 15 U.S.C. XXXX ), if a debt is not verified to be legally collected on or be able to prove I own as myself own the debt currently by providing the original contract from the original creditor, any and all debt must be removed from all credit reports within XXXX business days or for each violation of this law I am owed {$1000.00} dollars per each violation. Remove within XXXX business any and all negative items off of my credit report. If consumer law ( 15 U.S.C. XXXX ) is not followed I will be taking legal action after the XXXX day time limit that's legal allowed to have all negative items removed from my credit 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 2026-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV Funding LLC XXXX of Resurgent Capital Services XXXX XXXX XXXX XXXX Sc XXXXXX/XX/XXXX Formal Dispute and Cease and Desist Duplicate Reporting and Harassment To Whom It May Concern, Acct ending in XXXX that was Acct ending in XXXX and is still showing both on credit report. I am writing to formally dispute inaccurate and unlawful reporting associated with accounts you have furnished to credit reporting agencies under my name. It has come to my attention that LVNV Funding LLC is reporting XXXX separate accounts for what appears to be the same alleged debt, originally dated XX/XX/year>2023. After I successfully disputed and had XXXX account removed, your company re-reported the same debt under a different account number. This constitutes duplicate reporting and is a violation of the Fair Credit Reporting Act ( FCRA ), which requires accuracy and prohibits misleading or duplicative tradelines. Additionally, your company has engaged in conduct that I consider to be harassment and misrepresentation, including threats to seize assets and garnish wages. Be advised that such actions can not legally occur without proper legal judgment and court authorization. These threats are deceptive and violate the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false, misleading, or abusive practices. Accordingly, I demand the following : Immediate deletion of all duplicate and inaccurate tradelines related to this alleged debt from all credit reporting agencies. Full validation of the alleged debt, including original creditor information, complete payment history, and proof of your legal authority to collect. Immediate cessation of all collection communications with me, except for written confirmation of compliance with this request. If you fail to comply, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and to pursue all available legal remedies. This letter serves as a formal notice under federal law. Any further reporting of inaccurate information or continued harassment will be documented. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
In XXXX, I consolidated my Parent PLUS loans into a Direct Consolidation Loan based on guidance from Federal Student Aid. I was instructed to enroll in the Income-Contingent Repayment ( ICR ) plan so that my loans would become eligible for Public Service Loan Forgiveness ( PSLF ), and I was told that my pre-consolidation payments would be credited under the XXXX Account Adjustment. The consolidation was completed in XXXX, and XXXX is currently the servicer of my loans. I was placed on the XXXX plan, and myXX/XX/XXXX payment count was updated. However, my XXXX qualifying payment count reflects only a partial application of the XXXX Account Adjustment. My qualifying payments currently only go back to XX/XX/XXXX. Payments made prior to that date ( approximately XXXX ) are present in my payment history but are marked as ineligible and have not been credited toward XXXX. This is not a case of missing payment history. My account reflects a complete payment history going back to approximately XXXX, but those payments have not been properly credited under the XXXX Account Adjustment. I have contacted XXXX multiple times, and I have also contacted Federal Student Aid directly. XXXX has indicated that Federal Student Aid is responsible for applying the XXXX Account Adjustment. Despite this, the adjustment has not been completed, and my XX/XX/XXXX payment count remains incorrect. Additionally, my account on studentaid.gov still shows my IDR application as in review since XX/XX/XXXX, despite XXXX confirming that my XX/XX/XXXX plan is active. This suggests an unresolved processing or system issue within Federal Student Aid that may be preventing the adjustment from being completed. As a result, my XXXX qualifying payment count remains incomplete and inaccurate, and I have had to repeatedly request administrative forbearance to avoid making payments that may not be owed.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
Since last XX/XX/scrub> 2026 I have been trying to make payments through the Toyota Financial Services ( TFS ) app as well as through their web browser website version on multiple devices and multiple browsers. I called XXXX customer service and they have the audacity to tell me " its a system glitch, please uninstall the payment app from your devices and re-install again then submit the payment '' I did this on the second attempt and payment was still declined. Now XX/XX/XXXX my payments were declined again after double checking my bank account information is correct. I contacted my bank which is XXXX XXXX check for any possible cXX/XX/XXXXe errors and XXXX found no problems only that the payment was showing as " processing '' and to follow up with Toyota Financial if any anomalies Payment attempts history below : XXXX XXXX XXXX attempt, declined XX/XX/XXXX - XXXX attempt, after a long hiatus declined XX/XX/XXXX - XXXX attempt, declined XX/XX/XXXX most recent attempt, still pending

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Credit Control Service This account was opened on XXXX XXXX. This debt was paid and closed but still showing up as a collections. I would like this to be removed as collections. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation