vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I received an escrow analysis XX/XX/XXXXXXXX  notice showing a shortage, with the option to pay {$700.00} to avoid an increase in my mortgage payment from {$3800.00} to {$3900.00}. I paid the shortage to prevent any changes. However, the mortgage company then made an additional home insurance payment XX/XX/XXXXXXXX  to a company Id never heard of, creating a brandnew escrow shortage. 

I had to work with the mortgage company to cancel that payment and have the check returned, which took two months. Dispersement was made XX/XX/XXXX. Now that the funds have finally been returned, theyre claiming I still have an additional escrow shortage of $ XXXXcausing my mortgage payment to increase again. 

This entire experience has been extremely frustrating, and I no longer trust this company to manage my payments due to their poor communication and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
Hello, I am a victim of Identity theft and this company is attempting to collect a debt that is a result of that identity theft. I have no knowledge on this account including the opening of this account. Please, tell them to stop reporting this collection account to my credit report and conduct a thorough investigation as to the nature of this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
They continue to harass me repeatedly before XXXX and after XXXX waking up my new born from her sleep I just really want this to stop immediately theyve been constantly does this for years. 
The law 15usc 1692c states that they shouldnt be able to do that at all. 

Name : XXXX Address : XXXX XXXX XXXX XXXX XXXX, SD XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
Complaint Description : XXXX XXXX XXXX XXXX XXXX Acct # XXXX ; Balance : {$13.00}, XXXX I am submitting this complaint regarding XXXX XXXX XXXX for reporting an alleged delinquent auto account to consumer credit reporting agencies without proper validation and without providing legally required notices. 

I formally disputed this account directly with the creditor and requested validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). To date, XXXX XXXX XXXX has failed to provide documentation establishing that I am legally obligated to pay this alleged debt, including but not limited to a copy of the original contract, a complete accounting of the balance, or proof of their legal right to collect. 

Despite the lack of validation, XXXX XXXX XXXX continues to report this account as delinquent to XXXX XXXX, and XXXX, which constitutes inaccurate and unverified reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

Additionally, I was not provided proper notice of the alleged debt prior to adverse credit reporting. Reporting unverified information has caused harm to my credit profile and financial standing. 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX XXXX to : Provide full and proper validation of the alleged debt, or Immediately cease collection activity and remove all credit reporting related to this account if validation can not be produced. My credit report states an account is 90 days delinquent. Please see credit report attached, I am also requesting written confirmation of the outcome and corrective action taken.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
I have XXXX at my XXXX XXXX  sent through XXXX and they are keeping it hostage, not letting me cash it out, wanting me to pay {$56000.00} to get it out. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My name is XXXX XXXX I applied for a home security system called XXXX at my new home. Unfortunately, I was denied because my credit score was too low for the equipment. My sister XXXX XXXX applied and was approved, so I own the house, but the XXXX account was in my sisters name. Last year, my sister filed for XXXX  XXXX bankruptcy and discharged all her debts, so I called XXXX asking them to transfer the account into my name since the debt was discharged. They refused and are now charging me for the same debt that was discharged in the XXXX  XXXX. They claim that I can not get service at home and have refused to fix the situation because they are trying to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
There was a charge on my credit card for {$1700.00} for items that I never received from XXXX. I filed a dispute with Wells Fargo about 3 months ago, but still nothing has been done about the dispute. They've contacted me FOUR TIMES now asking for " additional information '', but they keep asking for the exact same info each of the four times ... and it's the exact same info that was submitted in the original dispute. This is a huge was of my time. And the transaction still appears on my account and has never been removed. I've paid it off to avoid the interest fees. XXXX has attempted to scam me, but Wells Fargo is refusing to fix the issue. As this process has take nearly 3 months now, Wells Fargo will eventually respond to me that the time limitations on this matter have expired and there isn't anything they can do to help me.

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 2026-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Company : CrossCountry Mortgage, LLC Loan Number : XXXX Complaint : My mortgage servicer failed to properly manage my escrow account, resulting in a significant escrow shortage and delinquent property tax payment without timely notice. 

The Annual Escrow Account Disclosure Statement dated XX/XX/year> shows a county tax disbursement of {$4500.00} in XX/XX/year> after the escrow account became negative. I was not notified of the shortage or delinquency until XX/XX/year>. 

I submitted a formal Notice of Error under RESPA and Regulation X. CrossCountry Mortgage denied error, attributing the shortage solely to an increase in assessed property value. However, the response does not address the lack of timely notice, failure to proactively adjust escrow prior to disbursement, or the resulting consumer harm caused by the delayed notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OH

Complaint narrative:
I had money sent to me over 30 days ago and they suspended my account without my knowledge they wont let me withdrawal my money off there they keep telling me I have to verify my account which I have done 3 separate times now I opened a bank account in my name to link to my cashapp and they refuse to link it or reset it so I can link it - I have tried everything and they refuse to send a check with my balance on there to my home so I dont know what to do. Cashapp has done this to multiple people in my family and I am beyond XXXX theres no reason for this especially since Ive verified my account numerous times. Now my rent is late I couldnt get my grandkids XXXX gifts I literally need the money off my cashapp to live and they dont care theyre trying to take my money from me Ive seen them do it to my family before I never shouldve trusted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
I am a XXXX XXXX XXXXXXXX veteran with a full property tax exemption effective prior to XX/XX/XXXX. I moved into my home in XX/XX/XXXX, and my property is correctly recorded with the county as fully exempt, which I have independently confirmed with the tax office. 

Despite this exemption, my mortgage servicer improperly included property taxes in my escrow account beginning at loan origination and throughout XXXX. As a result, I was charged escrow amounts that included property taxes that should have been {$0.00}. 

In XXXX, the servicer also paid county and utility district taxes in error totaling {$510.00}, even though no property taxes were legally owed. These payments should never have been made. 

Because of these incorrect tax assumptions, my servicer later created an artificial escrow shortage of {$530.00} and increased my monthly mortgage payment effective XX/XX/XXXX. My payment increased from {$2200.00} to {$2300.00}, an increase of {$150.00} per month, consisting entirely of escrow recalculation and shortage repayment tied to taxes that do not apply. 

I have therefore overpaid thousands of dollars due to this servicing error, including : Improper escrow collections starting in XX/XX/XXXX Taxes paid in error An invalid escrow shortage Ongoing inflated monthly payments I am requesting the following corrective actions : 1. Immediate removal of all property taxes ( county, XXXX XXXX XXXX  ) from my escrow account 2. Refund of all taxes paid in error ( {$510.00} ) 3. Reversal and refund of the improper escrow shortage ( {$530.00} ) 4. A full escrow reconciliation from XX/XX/XXXX to present 5. Refund of all excess escrow payments made due to this error 6. A corrected escrow analysis assuming {$0.00} property taxes 7. A refund check issued directly to me, not a principal-only credit This is a clear mortgage servicing error involving a federally protected XXXX veteran property tax exemption. I am requesting prompt correction, full financial restitution/ refund paid to me and written confirmation of all actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
They continue to harass me repeatedly before XXXX and after XXXX waking up my new born from her sleep I just really want this to stop immediately theyve been constantly does this for years. 
The law 15usc 1692c states that they shouldnt be able to do that at all. 

Name : CAPITAL ONE Address : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NJ

Complaint narrative:
Today XXXX The company was : Tromberg , Miller , Morris & partners , PLLC Gave me an attitude when trying to have my account pulled up after I stated I made a payment and then hung up on me without providing me services; Even manager was a bit rude as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
XX/XX/year> I noticed a collection on my account and I attempted to dispute it through XXXX XXXX and they advised they couldnt take the debt off. I never opened an XXXX XXXX XXXX  account and the collection was over {$1800.00}. This account has my name and address but I never opened it or had phone service with them during that time. There has to be a way to see that I didnt even use said service with them. I never had a second line at all, just internet but that account was separate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
America First Credit Union financed my vehicle purchase in XXXX  and failed to properly perfect the title by not obtaining required seller signatures. This error remained undiscovered for approximately 3.5 years. 

When I attempted to sell the vehicle, I learned that the title was still in the original sellers name and AFCU had never perfected its lien. AFCU acknowledged the error and submitted corrected documentation to the DMV ; however, weeks later the title remains unperfected, and I still can not sell the vehicle. 

Despite being aware of ongoing financial harm, AFCU has refused to offer any interim relief or compensation and claims the matter is remediated, even though I still lack marketable title. 

As a result of AFCUs actions and delays, I have suffered : Continued loan payments I did not expect Mandatory insurance costs Registration expenses Loss of a confirmed vehicle sale A documented {$2000.00} decline in vehicle value I am requesting CFPB intervention to ensure AFCU resolves this matter promptly and addresses the financial harm caused by its servicing failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: GA

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 2026-01-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
" I am reporting [ Dealership Name ], a franchisee of XXXX, for engaging in Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) and violating Connecticut General Statutes 14-65f. The dealership charged my account for services without obtaining the required written authorization or providing a signed estimate. When I attempted to resolve this error directly, the dealership exploited my acute mental health crisis and fear of police intervention to intimidate me into silence rather than rectifying the fraud. Crucially, the dealership refused to correct the unauthorized charge until my bank formally intervened. This timeline demonstrates that the dealership acts in bad faith : they knowingly enforce illegitimate charges against vulnerable consumers and only comply with the law when faced with institutional pressure. Furthermore, I allege that the parent company, XXXX XXXX XXXX XXXX, is engaging in 'willful blindness. ' By failing to audit franchisee transactions for basic legal compliancesuch as valid signatures on invoicesthe parent company facilitates and profits from this systemic fraud, using their corporate structure to distance themselves from the predatory actions of their subsidiaries. ''

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 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
Company Name : Meridian Financial Issue : Incorrect information on credit report Sub-Issue : Debt can not be verified / does not belong to me I am disputing a collection account reported by Meridian Financial that is inaccurate, unverified, and improperly reported. 

The alleged debt originates from a foreign ( XXXX ) timeshare contract. No Social Security number was ever provided, and Meridian Financial has not demonstrated lawful identity verification tying this debt to me.

Despite this, Meridian Financial is reporting a collection account with an inflated balance that increased from {$7400.00} to {$10000.00} without explanation or contractual justification. 

I previously submitted a written stop-payment and cancellation notice via email, yet Meridian Financial continues to report and verify this account without providing legally required documentation. 

Meridian Financial has failed to provide : A copy of any original signed contract Proof of legal enforceability of a foreign timeshare debt in the United States Proof of authority to collect Proof of accurate identity verification An itemized accounting supporting the reported balance Experian relied on furnisher verification without evidence, which does not meet Fair Credit Reporting Act standards. 

I am requesting that this account be fully investigated, validated with proper documentation, or 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 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XXXX XXXX I received a letter from PHH Mortgage that I was eligible to remove my PMI insurance from the cost of my mortgage payment.

The letter instructed to fill out the form and send a check of {$190.00} for an inspection, inside and outside of my home to determine value and eligability for the removal of the PMI. The payment was sent on XXXX XXXX XXXX  to the specified address provided in the letter from PHH Mortgage.

On XXXX XXXX XXXX I called PHH and spoke to a representative. He said they had my check but nothing further had been done to remove the PMI payment. He told me I would receive a phone call from an inspector at the latest by XXXX XXXX XXXX. No call ever came, I left several messages for this agent at PHH Mortgage after this with no response. On XXXX XXXX XXXX I receive a letter from PHH stating my PMI insurance has been cancelled and I will not occur the expense of it again after the date of this letter, XXXX XXXX XXXX.

My question is where did my {$190.00} go? There was never any inspection so what did I pay the {$190.00} for?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On or about XX/XX/XXXX, Citi reduced my credit limit from XXXX to XXXX without providing proper advance notice or a clear explanation for the reduction. 
I did not receive a 45-day advance notice, a written explanation of the reason for the decrease, or a compliant Adverse Action Notice at or around the time the decision was made. 
This action appears to violate federal consumer protection laws, including : Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of XXXX, which requires timely notice and clear disclosure when a credit limit is reduced due to changes in terms or risk assessment. 
Fair Credit Reporting Act ( FCRA ), to the extent the decision may have relied on inaccurate, incomplete, or unverifiable credit information. 
Equal Credit Opportunity Act ( ECOA ), which requires lenders to provide an Adverse Action Notice explaining the specific reasons for a credit decision and identifying the credit bureau ( s ) used.The unexplained reduction caused immediate financial harm by increasing my credit utilization and negatively impacting my credit score.

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