vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
Complaint Title : Failure to Process Escrow Refund Causing Payment Delinquency Company Name : United Wholesale Mortgage What Happened ( Complaint Details ) : I am filing a complaint regarding the mishandling of my escrow account and United Wholesale Mortgage 's failure to properly process a tax refund, which is now negatively impacting my loan status. In XX/XX/XXXX, United Wholesale Mortgage made a delinquent property tax payment to the XXXX XXXX XXXX XXXX. The county later determined that the payment was incorrectly applied to the XXXX tax year, which was exempt. This error occurred due to United Wholesale Mortgages failure to process the exemption documentation correctly. The XXXX XXXX XXXX XXXX corrected the issue and issued a full refund directly to me as the homeowner. For the past XXXX weeks, I have made multiple attempts to return this overage check to United Wholesale Mortgage so it can be applied to my escrow account. However, I have been repeatedly transferred between departments, and no representative has provided clear instructions or taken responsibility for resolving the issue. As a result of this delay and lack of coordination, my escrow account remains inaccurate, and I am now behind on my mortgage payments. This situation is entirely avoidable and is the direct result of poor servicing and failure to properly manage my escrow account. To my surprise, my loan got sent into foreclosure without my knowledge. I have made multiple attempts over the past XXXX weeks, but have not received any resolution. United Wholesale Mortgages failure to properly process this escrow-related matter and provide clear guidance may violate obligations under the Real Estate Settlement Procedures Act and Regulation X, which require timely and accurate servicing of escrow accounts and responses to borrower inquiries. XXXX XXXX received : {$8000.00} ( year XXXX ) XXXX XXXX received : {$1200.00} ( Year XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: ECMC GROUP, INC.
State: NY

Complaint narrative:
* * Product : * * Student Loan * * Issue : * * Trouble with payment process / Applying payments * * Sub-Issue : * * Lender or servicer is not honoring agreement / misapplied program terms -- - * * Complaint : * * I am filing a complaint regarding the improper refusal to complete a federal student loan rehabilitation after I have satisfied all required conditions. I entered into a loan rehabilitation agreement with XXXX XXXX XXXX XXXX XXXX, which required me to make XXXX ( XXXX ) voluntary, on-time monthly payments. I successfully made all required payments. During the rehabilitation period, servicing of my loan was transferred to Educational Credit Management Corporation. I made my final required payment through XXXX XXXX XXXX XXXX XXXX.. At no point during the rehabilitation period was I informed that my documentation was incomplete or deficient. In fact, the XXXX system reflected that all required documentation had been received and accepted. After completing all required payments, I contacted XXXX XXXX Services and was informed that my loan would not be taken out of default because they now require additional documentation. This requirement was never disclosed to me during the rehabilitation process. This appears to be a failure to honor a completed federal loan rehabilitation agreement and an improper attempt to impose new requirements after the fact. Under applicable federal regulations governing loan rehabilitation ( including XXXX CFR XXXX and/or XXXX CFR XXXX ), once a borrower has made the required number of qualifying payments pursuant to an accepted agreement, the guaranty agency is required to remove the loan from default status and transfer the loan to a new servicer. There is no provision allowing a guaranty agency or its agent to deny completion of rehabilitation based on undisclosed or retroactive documentation requirements after all qualifying payments have been made. -- - * * Requested Resolution : * * XXXX. Immediate confirmation that my loan rehabilitation has been successfully completed XXXX. Removal of the default status from my loan XXXX. Transfer of my loan to a new loan servicer in good standing XXXX. Written explanation citing the specific regulatory authority if the above is denied -- - * * Additional Information : * * * I have completed all XXXX required payments * No notice of documentation deficiency was provided during the rehabilitation period * Documentation was previously indicated as accepted by XXXX * The refusal occurred only after completion of all required payments I am prepared to provide payment records and documentation confirmations upon request. -- - * * Consumer Consent to Publish : * * Yes

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I submitted a student refund check from an accredited university into my Capital One bank account because the expectation was a portion would be deposited the next day, a portion the following day, with the remainder processing XXXX days later. After the check was accepted with the terms by Capital One a follow up email that they plan to hold the entire amount triggered until XXXX business days after the check was received. I needed the funds to be disbursed as promised on the app or I would have put it into a different financial institution. I proceeded to call Capital One where the first associate could not answer any questions and transferred me to a supervisor. The supervisor could not give an explanation, offered me to reach out to the office of the president, and that they could not make an exception because it looks like they had fixed an error like this before. At that time it was not explained that the releasing of my funds would be a one-time exception.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding AssetCare and their attempts to collect an alleged debt from my husband, XXXX XXXX. XXXX has been attempting to collect this debt without ever providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). We have not received any written notice or documentation that substantiates the debt. Specifically, XXXX has failed to provide : The original creditors name and address A detailed itemization of the alleged amount owed Any agreement or contract showing liability Account statements or payment history Proof that XXXX has legal authority to collect or owns the debt In addition, XXXX has been engaging in improper communication practices. They have been contacting my husband regarding the alleged debt while also sending text messages to me. I am not the debtor, and this constitutes inappropriate third-party communication and a violation of consumer privacy protections. Furthermore, I have not consented to being contacted via text message, and I consider these communications to be unwanted and harassing. This debt is formally disputed in its entirety. Due to XXXX failure to provide proper validation and their improper communication practices, I am requesting the following : That XXXX provide full validation of the alleged debt, including all supporting documentation and proof of legal authority to collect. That XXXX cease all communication via text message immediately. That XXXX cease any communication with third parties regarding this matter. That XXXX cease all collection activity until proper validation is provided. That any credit reporting related to this account be removed if the debt can not be properly validated. If XXXX can not provide sufficient documentation to support this alleged debt, they should immediately stop collection efforts and confirm that this matter has been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I contacted HSA Bank on or about XX/XX/XXXX and was told to follow by email, which they said to call, this is a game.... tried calling several times ... no answer to my request. Today their system kept asking over and over same question and never transferring the call to a live operator, previously XXXX sounding agents come and the take information, also good for nothing. I simply asked for evidence that checks sent in XX/XX/XXXX for {$660.00} and {$660.00} on XX/XX/XXXX were cashed, otherwise the money should have gone to the account. Got nothing so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 XXXX Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Sezzle Inc.
State: TX

Complaint narrative:
Sezzle XXXX XXXX told me on XX/XX/year> per my phone conversation a refund escalation was sent in for my refund to be processed. The phone agent advised a refund would be issued for the order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Unauthorized Loan Acceleration & Breach of Contract Lender : Capital One Auto Finance Account Number : XXXX Contract Date : XX/XX/XXXX Subject : XXXX of Florida XXXX XXXX Sale Contract and Unfair Lending Practices XXXX. Background & Contractual Basis On XX/XX/XXXX, I entered into a Florida XXXX XXXX Sale Contract ( the " Contract '' ) for a XXXX XXXX XXXX. The Contract explicitly established a XXXX repayment term. Based on this XXXX term, the original maturity date is in XXXX. XXXX. The Dispute Following a constructive total loss of the vehicle, my insurance and XXXX providers paid a combined total of approximately {$33000.00} toward the original {$33000.00} loan balance. This left a residual principal/interest balance of approximately {$4500.00}. Under a XXXX XXXX loan, as established in the Contract, a principal reduction should not allow for the unilateral acceleration of the loan term. My Contract remains active for the original XXXX duration. Calculated over the remaining XXXX months of the original term, the monthly payment should be approximately {$90.00}. XXXX. Evidence of Breach and Bad Faith Capital One is currently attempting to force an unauthorized payoff through the following contradictory actions : Unilateral Acceleration : Capital One first issued an automated notice ( see attached screenshot ) reducing my payment to {$340.00} with a shortened maturity date of XX/XX/XXXX. This represents a XXXX reduction of my legal contract without my consent. Payment Reversion : When I disputed the {$340.00} payment, Capital One arbitrarily reverted the monthly requirement to the original {$680.00}. This effectively demands a full payoff of the {$4500.00} balance in roughly XXXX months, ignoring over 3 years of my remaining contractual term. Violation of Modification Clause : Section XXXX and the " Additional Sales Terms '' of my signed Buyers Order ( Pages XXXX and XXXX ) state : " Any change to this Agreement must be in writing and signed by you and us. ". I have never signed a loan modification to shorten my term. XXXX. Impact & Desired Resolution By nearly tripling ( and now septupling ) the expected monthly payment of {$90.00}, Capital One is creating an undue financial hardship. As I have already financed a replacement vehicle, I can not meet these accelerated demands that violate my signed agreement. I request that Capital One be ordered to : XXXX. Honor the original XXXX amortization schedule as dictated by the Contract. XXXX. Manually re-calculate the monthly payment to approximately {$90.00} to reflect the current {$4500.00} balance over the remaining XXXX months of the original term. XXXX. Cease any negative credit reporting while this contractual dispute is being resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I disputed an account with Credence Resource Management regarding an alleged XXXX XXXX XXXX debt. The company responded stating the account was verified, but failed to provide proper documentation such as billing statements, itemized charges, or proof of ownership of the debt. They continue to report this account without proper validation, which I believe is a violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting that this account be removed from my credit report due to lack of proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 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 XXXX Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Product : Credit card Company : Citibank , XXXX XXXX Card : XXXX XXXX XXXX XXXX ________________________________________ What happened I did not request closure of my XXXX XXXX XXXX XXXX account. On XX/XX/XXXX, Citibank closed the account, stating the reason was XXXX or more late or returned payments. That characterization is inaccurate. This is a business credit card, and I am not a personal guarantor on the account. In XX/XX/XXXX, my computer was compromised, requiring a business banking change. During that transition, I continued making payments. For example : A payment of {$10000.00} was initiated on XX/XX/XXXX The payment appears as paid on my XXXX statement Citibank posted it internally on XX/XX/XXXX Citibank treated the payment as late because the due date was the XXXX This reflects an ACH posting delay, not a failure to pay. Any timing issues were isolated to a short transition period and do not represent late payments over a 12 month period. ________________________________________ Why this is a problem Citibank closed a business account without request based on an inaccurate and overstated characterization of payment history. I have been a XXXX member since XXXX, reflecting a long standing and stable business relationship, which makes the sudden account closure based on a short, isolated posting issue particularly disproportionate. As I am not a personal guarantor, any implication that this account reflects personal credit risk is inappropriate.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is charging maintenance fees on my account despite it being insolvent due to third-party non-compliance. My employers ( XXXX XXXX/ XXXX XXXX ) failed to deposit earned wages for XX/XX/XXXX and XXXX XXXX, leading to a - {$5.00} balance. These fees are predatory given that a federal wage theft investigation ( XXXX XXXX ) is underway. I am currently in Chapter XXXX Bankruptcy and request a waiver/refund of these fees.

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 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing a collection account that I am being held responsible for, as the account has already been resolved and reflects a {$0.00} balance according to the official resident ledger. The account originated from a residential lease that ended on XX/XX/XXXX. At move-out, charges including a termination fee and concession payback were initially applied, bringing the balance to approximately {$4600.00}. However, these charges were subsequently adjusted and written off by the property management company. On or around XX/XX/XXXX, all remaining charges were reversed through a series of write-offs, bringing the final account balance to {$0.00}. Despite this, the account was still reported and/or assigned to a collection agency, and I am now being held accountable for a debt that is no longer owed. I have not made any additional payments because the account was already settled in full through these adjustments. The reporting of this account as a collection is inaccurate and does not reflect the final disposition of the account. I am requesting : A full investigation of this account Immediate correction or removal of any inaccurate reporting Confirmation that the account reflects a {$0.00} balance with no outstanding obligation I can provide documentation, including the final resident ledger, showing that the balance was cleared and written off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
After I emailed proof that I have homeowner 's insurance on my home Freedom Mortgage has charged me more for what is due for my monthly payments. They claim I am overdue on my payments. I have called Freedom at least XXXX times. Every time they admit they have made a mistake in overcharging me on my mortgage payments. They claim my payments are late. I have been paying my mortgage by automatic payments since Freedom Mortgage took over my mortgage. I have never been late on a payment. Because they continue to claim I am late on my payments, it is hurting my credit score. Again, every time XXXX contact Freedom Mortgage they admit they have made a mistake on this issue. Every time they tell me they will resolve this issue. I am still receiving late pay notices and the late fees are adding up. I have filed a complaint with the Attorney General 's office for the XXXX of Minnesota. They recommend I file a complaint against Freedom Mortgage with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I hope you can help me. 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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
I am formally disputing this account because I have reason to believe it is inaccurate, incomplete, or unverifiable. Under XXXX U.S.C. XXXX, furnishers of information are required to provide accurate data and must investigate disputes thoroughly. Additionally, under XXXX U.S.C. XXXX ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. I have not received adequate validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I request that the collection agency provide : Proof of the original contract bearing my signature Full payment history and account statements Documentation showing the legal right to collect this debt Verification that this debt is mine and the amount is correct If this information can not be properly verified, then this account must be immediately removed from my credit report. Furthermore, the continued reporting of this account without proper verification constitutes a violation of federal law and is causing harm to my creditworthiness. I respectfully request that the CFPB investigate this matter and ensure that the collection agency and credit reporting agencies comply with all applicable laws. I also request that this account be corrected or deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
on XX/XX/year> I applied for a rental home, on XX/XX/year> on my XXXX credit report rental information came back from hunter warfield collections. This is the first that I have ever heard of this debt and when I go to the website type my info in nothing comes up. This needs to be removed asap as I am unable to move forward with finding me a new home with this listed.

Company response to consumer: Closed with explanation