vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: AMA Advisors, LLC.
State: TX

Complaint narrative:
XXXX XXXX from XXXX XXXX a division of Homebridge Financial Services have continuously trying to change terms from a mortgage set for closing by : Requesting information delivered, and requesting it again after XXXX or more weeks. Falsely declaring that the product does not permit certain XXXX, and in evidence it is published in their website permiting all the way to 95 % and not 75 % as she praise. Trying to include an escrow for property taxes and insurance that was never agreed. and others. When the initial rate was 6.99 % and due to negligence by the initial mortgage officer was not set, having to lock at 8.125 %. XXXX XXXX and XXXX keep intending to violate the law, and even more evidence is that they send a notice of changes, stating that the changes were requested by the borrower which is completely false.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I previously disputed the reporting of late payments on my Citibank ( CBNA/Best Buy ) account through the credit bureaus. The account continues to report multiple late payments ; however, I have not received sufficient verification of how these delinquencies were determined. I specifically requested method of verification ( MOV ), including billing cycle calculations, exact due dates, payment posting timestamps, and how the delinquency status was determined and furnished to the credit bureaus. The responses provided were generic and did not include the requested supporting documentation. Without complete verification, I have concerns regarding the accuracy and completeness of this reporting under the Fair Credit Reporting Act ( FCRA ). This matter is time-sensitive, as I am preparing for a mortgage, and the continued reporting of these late payments is significantly impacting my ability to qualify. I am requesting that Citibank conduct a proper investigation and either provide full verification with supporting documentation or remove/correct the unverifiable late payments from my credit report. I am seeking a fair resolution and proper compliance with FCRA reporting standards.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing this complaint regarding unlawful debt collection and inaccurate reporting. The account in question was subject to legal proceedings and was dismissed in my favor by the court. As a result, there is no valid or enforceable debt. Despite this, Midland Credit Management continues to attempt to collect this debt through repeated phone calls and multiple email communications. Most recently, I received an email stating that the account is severely delinquent, which is false and misleading given the courts ruling. Additionally, there have been continued call attempts from this company after the case was dismissed. These repeated communications constitute harassment and ongoing collection activity on a debt that is not owed. This behavior includes : - Attempting to collect a debt that is not legally owed - Repeated phone call attempts after resolution - Continued email communications seeking payment - False and misleading statements regarding the status of the account These actions are violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I have attached documentation of the court dismissal, as well as evidence of continued contact. I am requesting : - Immediate deletion of this account from all credit reporting agencies- Immediate cessation of all communication and collection activity If this matter is not resolved, I am prepared to pursue further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
tsi ( Transworld Systems Inc ) has been attempting to collect a debt for the amount owed for repossession of a XXXX XXXX XXXX of {$29000.00}. The truck was sold some years ago by XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX for around {$24000.00} thereby reducing any amount owed to tsi ( collector for XXXX XXXX XXXX XXXX XXXX ). I mailed a copy of the online report showing the truck was sold, the XXXX and when and for how much, however tsi continues to attempt to collect {$29000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I paid this company {$270.00} in full. However, they failed to remove the collection from my XXXX credit report. Because of this, I was denied housing and could not move into an apartment. Additionally, they are now denying me access to my account, which prevents me from verifying or resolving this issue. This situation has caused me significant financial and personal harm. I request immediate removal of this collection and confirmation that the account is closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: MOHELA
State: PA

Complaint narrative:
On XX/XX/XXXX I made a payment for the full payoff amount on my loans : {$82000.00} The payment was applied incorrectly leaving an overpayment on XXXX loan and a balance on XXXX others. On XX/XX/XXXX I called to request they correct the problem. I was told this could take up to 90 days to process. They identified XX/XX/XXXX as their deadline for the correction to be processed. XX/XX/XXXX has since passed and no correction has been made. I called monthly during the period between XX/XX/XXXX to XX/XX/XXXX to request forbearances so I was not required to make payments and my account did not go into delinquency while I awaited the correction. On XX/XX/XXXX I called to request another forbearance and was told that I was being escalated to a team of supervisors. I received a callback from XXXX on XX/XX/XXXX around XXXX call ID XXXX. XXXX said she was escalating the correction and it would take up to 10 business days to process and would be completed by XX/XX/XXXX. Today is XX/XX/XXXX and no correction has been made to my account. MOHELA has continued to charge me interest since XX/XX/XXXX when they processed my payment. I am requesting an immediate payment trace and interest reversal due to servicer error.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I am in receipt of the response submitted by Cavalry Portfolio Services , LLC. I formally dispute their conclusions and assert that their response fails to comply with federal law and does not meet the required standards for investigation or validation. First, Cavalry admits that validation of the alleged debt was not provided until after my CFPB complaint was filed. This is a critical failure. They continued reporting this account to the credit reporting agencies without first providing proper validation. This is a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation of disputed information. Their claim that I did not previously dispute the account is irrelevant. Once a dispute is filedwhether directly or through the CFPBthey are legally obligated to conduct a thorough and reasonable investigation. Their response contains only generic statements and does not demonstrate that any meaningful investigation occurred. Additionally, Cavalry claims that validation has now been provided. I dispute the adequacy of that validation. Under the Fair Debt Collection Practices Act, proper validation must include competent evidence that I am legally obligated to pay this debt, including : A complete chain of title from the original creditor to Cavalry A copy of the original signed agreement or contract Full account statements showing how the balance was calculated Proof of their legal right to collect To date, none of this has been sufficiently demonstrated. Furthermore, Cavalry admits they began reporting the account prior to providing validation and only marked the account as disputed after my CFPB complaint. This indicates noncompliance with both the FCRA and FDCPA, as well as a failure to ensure maximum possible accuracy in credit reporting. Because Cavalry has failed to : 1. Conduct a reasonable investigation 2. Provide proper validation prior to reporting 3. Substantiate the accuracy of the account I am demanding the following : Immediate deletion of this account from all credit reporting agencies Written confirmation of deletion Cessation of all reporting activity related to this account If Cavalry continues to report this account without providing legally sufficient validation and proof, I will pursue additional remedies for violations of federal law. This matter is not resolved. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: TrueAccord Corp.
State: TX

Complaint narrative:
I recently reviewed my annual credit report to find accounts open and collections that I was unaware of. I am a victim of identity theft and the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I discovered multiple unauthorized transactions on my Apple Card, including charges from XXXX XXXX and XXXX, totaling a significant amount. I immediately reported these transactions to Apple Card ( Goldman Sachs ) and filed disputes as soon as I became aware of them. I also reported that my phone had been lost and that my XXXX ID may have been compromised. Despite this, the company denied most of my disputes without providing sufficient evidence. They did not provide any detailed explanation of how the transactions were verified, including no device information, login history, IP address records, or authentication data. The company simply stated that no suspicious activity was found, which is not a reasonable or transparent explanation. Given the number, frequency, and pattern of these transactions, a more thorough fraud investigation should have been conducted. I made multiple attempts to request further information and a proper reinvestigation, but my requests were not adequately addressed. I believe these transactions were unauthorized and should not be my responsibility. I am requesting a full and fair reinvestigation, removal of the disputed charges, and a detailed explanation of how the investigation was conducted and how authorization was determined

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I canceled my auto-renewal with XXXX and was still charged the fee of {$390.00}. I submitted a dispute with Wells Fargo which was denied.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
back in XXXX some kind of fraud happened with chase banking and they closed my account and i haven't been able to open a bank account with any of the large banks such as chase, XXXX XXXX and XXXX XXXX XXXX. i am wanting to open a joint account with my spouse and they wont let me do it and wont help with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage is holding insurance proceeds from tornado damage and delaying the release of my overage refund for an unreasonable amount of time ( 2030 days ). These funds belong to me, and the servicer has not provided a valid explanation for the extended hold period. Details of the Problem : My home suffered tornado damage, and my insurance company issued a check made payable to me and Rocket Mortgage. I endorsed the check and mailed it to Rocket Mortgage so the funds could be applied to pay off my mortgage. According to the tracking information, Rocket Mortgage received the check today, and it was signed for by I. XXXX. When I contacted Rocket Mortgage to confirm receipt, they told me it would take XXXX hours before the check even appears in their system. They also informed me that issuing the refund of the overage approximately {$220000.00} would take 2030 days. Calls were made XX/XX/year>, XX/XX/year> totaling over XXXX hours on the phone with multiple different transfers. Rocket Mortgage has not provided : A legal or contractual basis for holding my funds for 2030 days, infact the gentleman i spoke to tried to tell me in was in my contract and then when i asked for it, he read through and basically said well its not in here but it is our policy. A clear explanation for why the refund can not be issued promptly XXXXnformation about where my funds are being held during this period Any documentation supporting the need for this extended processing time Given the size of the overage and the fact that these funds are mine, the delay is unreasonable and lacks transparency. Impact on Me : This delay is preventing me from accessing funds needed for repairs, temporary housing, and recovery after the tornado. The lack of clarity and the extended timeline are causing financial strain during an already difficult situation. What I Have Requested From Rocket Mortgage : I have asked Rocket Mortgage to provide : A clear explanation for the 2030 day delay Documentation of where my funds are being held A faster release of the overage A written justification for their processing timeline Rocket Mortgage has not provided adequate answers or expedited the refund. Requested Resolution : I am requesting that the CFPB require Rocket Mortgage to : Release my overage refund promptly, and immediately. Provide a written explanation for the delay Disclose where my funds are being held during the processing period Provide documentation supporting the necessity of a 2030 day hold Ensure compliance with RESPA and any applicable state laws regarding insurance proceeds and payoff processing I am simply requesting timely access to my own funds and transparency regarding the servicers handling of them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Subject : Unauthorized Electronic Fund Transfers Regulation E Violation Complaint : I am filing a complaint regarding unauthorized electronic fund transfers totaling approximately {$1600.00} from my account. I reported these transactions to the XXXX XXXX associated with my account. They conducted an investigation and denied my claim, stating that the transactions were authorized. However, I did not authorize these transactions. I formally requested : A written explanation of their findings The evidence relied upon in denying my claim Confirmation that my claim was handled under Regulation E ( Electronic Fund Transfer Act ) The company failed to provide the requested documentation and instead required me to submit additional evidence to appeal, which is inconsistent with Regulation E requirements for unauthorized EFT claims. I have now formally submitted a Notice of Error and Appeal. They have not clearly confirmed that the appeal is being processed, nor have they provided the required findings. The account is held by XXXX XXXX XXXX, and I am requesting that both the XXXX XXXX and XXXX XXXX XXXX comply with Regulation E obligations. I am requesting : A proper Regulation E investigation Reimbursement of the unauthorized transactions if they can not prove authorization A written explanation of findings and evidence relied upon This matter remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank Of America closed my account and I had more than {$500.00} in my account over a month ago. I received a call from Bank of America on this morning and was told they sent me a check out around XX/XX/XXXX a check for {$1.00} and a check for {$100.00} and something dollars which isnt all of my money. I request to have checked to be resent to me but the lady that worked for Babk of America refused to send me my money. I want them to send me all of my money which is over {$500.00} send it certified mail to my XXXX XXXX which is XXXX XXXX XXXX. XXXX XXXX XXXX, TX 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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: FL

Complaint narrative:
I had a federal student loan and XXXX was my servicer. After years my account was moved to CRI. When it was moved to CRI my payment changed from {$230.00} to {$300.00} due to a 24 month increase policy they have which was ok. This month ( XX/XX/year> ) I received a letter from CRI stating my loan was miscalculated and my new payment was {$450.00} a month. When I tried to get written documentation of how this mistake happened, how the new payment was calculated and how come my payment had increased 200 % in less than a year, CRI told me they dont have any track record so no documentation could be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Very difficult to access payment information from the Citizens Bank App or website. Asks for a new password every time I access my payment information. Neither online location or App can provide information on or documentation of the original line of credit agreement. It is XXXX interest line of credit, and the account is closed. I can not see how much of the loan is paid, or if I am getting credit on the loan with my regular auto payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I'm XXXX XXXX, XXXX. XXXX XXXXXXXX XXXX in XXXX. I used to live in XXXX XXXX XXXX, XXXX till XX/XX/XXXX. In my case I had discussion with Apartment XXXX XXXXXXXX ( XXXX XXXX XXXX, XXXX ) and they agreed that I owe halfmonth rent charge rather than the full month i.e. {$1400.00} ( I have email as well of discussion ). But IQ international called me and asking full amount. I explained complete situation but they started threaten me on consequences if I don't pay full amount right now. I told them complete situation and the discussion I had with XXXX XXXX ( XXXX apartments ) with CEO of XXXX also in XXXX, but IQ international ( person named XXXX ) threatened me. Also I got first call in morning from IQ international - XXXX and I was in middle of meeting so I told them that I'll call them back. After few hours when I called again, XXXX said as in the morning you hung up the call, I started the process and now it will impact your credit. I never said no to paying my half owed dept - but they started some personal grudge because I was in meeting in morning.

Company response to consumer: Closed with non-monetary relief