vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 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: OK

Complaint narrative:
I previously filed a complaint regarding multiple disputed transactions. Citi responded to the CFPB indicating monetary relief would be provided. However, despite that response, Citi has continued to issue repeated denial determinations across the same transactions, reversing credits and closing disputes as customer responsible. The determination letters provided are conclusory and do not comply with Regulation Z ( 12 CFR 1026.13 ), as they fail to : Address the actual dispute category ( services not as described ) Evaluate or reference the evidence submitted by the consumer Reconcile contradictions within the merchants own documentation Identify what evidence Citi relied upon in making its determination Each letter simply states that no billing error was found, without explanation. This does not constitute a reasonable investigation or a sufficient written explanation as required by federal law. Additionally, all disputed transactions arise from the same incident, yet Citi continues to handle them inconsistently and in isolation. Citi has also reported monetary relief to the CFPB, yet continues to deny the disputes without reconciling that position. I am requesting : A compliant investigation of all related transactions as a single incident A detailed written explanation addressing both parties evidence Clarification and enforcement of the monetary relief previously reported

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: FL

Complaint narrative:
I called Velocity investments ( XXXX ) to find out if I can figure a way to resolve.I have been affected by a tornado hitting my home/ XXXX issues ( XXXX XXXX ) when I called, the only the rep only wanted to talk about disputing my many accounts that I mentioned to him that XXXX trying to resolve. Not a particular name of an account. He informed me to dispute the one I called him about and he could run a XXXX score credit bureau to see what can be disputed for {$1.00}. I was curious and asked him WHY he was doing this. He said he heard in my voice that I was in a bad situation and understood. I agreed. He made me feel good about it. After giving my debit card # he ran report and said that I believe there were XXXX accounts that had issues. I asked how that could be? He said something about data entry etc. He said he could dispute them all. I said that sounds good. He then informed me it would be either {$370.00} or {$370.00} to do this. I was confused. I said I cant afford that and he then said since I worked for rooms to go that it would be {$100.00} less. Then he said it should be done in 3 months but if longer it would be {$99.00} a month after. I was deceived into running credit and the entire thing. I made an excuse for him to call bk. He never did. Never ask about reason I called to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding a debt collection issue that I believe may violate the Fair Debt Collection Practices Act ( FDCPA ). On or around XX/XX/year> I contacted the company regarding an alleged debt in the amount of {$200.00}. The communication was made via mail, and I never got an answer. On XX/XX/year>, I request validation of the debt, disputing the debt, despite this, the company failed to provide validation. I am requesting that this matter be reviewed and that the company be required to comply with applicable laws and regulations. Thank you for your attention to this matter.

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 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding my mortgage servicer, Rocket Mortgage, and their refusal to approve my request to remove my escrow account from a conventional mortgage loan. I believe I meet the standard criteria for escrow removal, including having at least 20 % equity in my home, maintaining a strong payment history with no recent late payments, and meeting any applicable loan seasoning requirements. Despite this, my request was denied. What is most concerning is that I have not been provided with a clear or detailed explanation for the denial. I have requested clarification from Rocket Mortgage, but the responses have been vague and have not identified any specific contractual or eligibility reason that would justify keeping the escrow requirement in place. I am requesting that the Consumer Financial Protection Bureau review this matter and assist in obtaining : A clear explanation of the specific reason for the denial Confirmation of whether this decision is based on my loan agreement terms or internal company policy Guidance on whether the lender is complying with applicable regulations and fair servicing standards As a borrower who has fulfilled all commonly understood requirements, I believe I am entitled to transparency and fair consideration of my request. Thank you for your time and assistance in this matter. Please let me know if any additional documentation or information is required. Sincerely, XXXX XXXX XXXX Loan number : XXXX Property address : XXXX XXXX XXXX XXXX. XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue : Mortgage Servicing Incorrect Payment Application / Escrow Misapplication Complaint : I am submitting this complaint regarding Regions Banks improper handling of my mortgage account during an active repayment/modification plan. I was enrolled in a XXXX repayment plan, with my final installment due XX/XX/year>. I made my XXXX payment in full in the amount of {$5700.00}, in accordance with the agreed terms of that plan. After making the payment, the bank advised that my account is now past due for XX/XX/XXXX due to an escrow adjustment related to taxes and/or insurance. This is improper for the following reasons : My XXXX payment satisfied the required payment under the active repayment agreement The servicer is attempting to retroactively apply an escrow increase to a payment period already governed by a fixed repayment plan I did not receive clear, advance notice that my XXXX payment amount would increase The servicer is creating an artificial delinquency despite my compliance with the repayment plan Under RESPA ( Regulation X ) and CFPB mortgage servicing rules, servicers are required to : Properly apply borrower payments Avoid misrepresenting account status Honor loss mitigation and repayment plan terms Provide clear notice of payment changes Regions Bank has failed to meet these obligations. I am requesting : Immediate correction of my account to reflect that I am current Removal of any past due status or negative reporting Written confirmation that my XXXX payment satisfied my repayment plan obligation Documentation supporting any escrow change and its effective date This situation is causing harm to my credit standing and financial position despite my full compliance with the agreed repayment terms.

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 2026-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
My mortg loan was sold to XXXX XXXX after 9 years by XXXX XXXX... I was notified on XX/XX/XXXX that as of XX/XX/XXXX, all payments would be made to XXXX XXXX. XXXX XXXX asked that I hold off payment until they received ALL data concerning my loan and loan history was transferred to XXXX XXXX. After payments began with XXXX XXXX, I applied for a refi with another mortg company, which required a payment history. I contacted XXXX XXXX after looking online to see if this info was avail to be to printout ( it was NOT there ). I contacted XXXX XXXX to see if this info was submitted during the transition period ( in XXXX XXXX XXXX ) ; they informed me that they had NO info on my this loan. So now, both places XXXX XXXX and Rocket Mortg ( current servicer ) is claiming they DO NOT have this information that I need to refinance my property. This info is necessary and they are holding up progress on having this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to

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 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am filing a complaint regarding an inaccurate medical collection reported by Bull City Financial Solutions. I disputed this account with XXXX XXXX XXXX and it was marked as verified as accurate. However, this account is still inaccurate and incomplete. This is a medical debt, and my insurance was never billed prior to the account being sent to collections. Reporting a medical debt without first submitting it to insurance is improper and does not reflect a valid balance owed. Despite this, the account was verified without providing any documentation or proof that insurance billing was attempted or completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> at approximately XXXX PM a cash deposit was made at a Chase ATM located at XXXX XXXX XXXX XXXX in XXXX XXXX. The ATM malfunctioned during the transaction and did not credit the account. A claim was immediately filed regarding the missing funds. The total amount of the deposit was {$6700.00} dollars The receipt shows ATM ID XXXX for this transaction. The following day the branch XXXX confirmed that an audit had been completed and that the funds were located inside the ATM. Despite this confirmation the funds have not been returned and the claim is still pending back end processing with no clear explanation or timeline. The fraud department supervisors XXXX and XXXX are rude and no help. It has now been multiple business days since the deposit and the funds are still not available even though they have already been verified and recovered by the bank. This delay is causing significant financial inconvenience. Immediate return of the funds or a clear and reasonable timeline for resolution is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I have two private student loans originally issued by XXXX XXXX in XXXX and now serviced by MOHELA and owned by XXXX XXXX XXXX XXXX. Over the life of these loans, I have paid more than {$40000.00}, which significantly exceeds the original amounts borrowed. Despite this, my remaining balance is still over {$21000.00}. This indicates that my loan balance has been materially inflated. My loan history includes numerous forbearance periods between approximately XXXX and XXXX. I was previously included in class action settlements related to Navients improper forbearance steering practices. During these periods, interest continued to accrue and was repeatedly capitalized, increasing my principal balance. The documentation provided by MOHELA shows multiple large capitalization events, including thousands of dollars of interest added to principal in XXXX and additional capitalizations in XXXX and later years. These capitalization events significantly increased the total balance and caused future interest to be charged on inflated amounts. I formally requested a full account-level audit from MOHELA, including a review of interest capitalization, variable interest rate calculations, and the impact of forbearance steering. I also requested documentation showing how my balance was calculated over time, including the index and margin used for all rate adjustments. MOHELA did not perform the requested audit. Instead, they provided a transaction history and general explanations, without addressing my specific concerns. They did not provide a recalculation of my balance, did not review the impact of forbearance steering, and did not explain how interest capitalization affected my loan. Additionally, MOHELA stated that my loans are based on XXXX, but these loans originated before XXXX existed. They did not explain the original index, when the transition occurred, or whether any adjustment was applied. This raises concerns that my interest rates may not have been properly calculated. Overall, my payments have been applied primarily to interest rather than principal, and my balance remains disproportionately high despite substantial repayment. MOHELA has failed to adequately explain or correct these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
Someone obtained my information and opened app frauland accounts I can't contact the credibility several times and nothing happened

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am filing a complaint regarding XXXX XXXX XXXX XXXX handling of a credit card dispute involving a transaction with XXXX XXXX, XXXX. I disputed a charge of approximately {$2000.00} for services that were misrepresented and not delivered. The merchant represented that they could provide a lawful tax strategy allowing me to claim additional business-related solar tax credits for a residential solar system. This representation was materially misleading. After engaging their services, I determined that the proposed strategy is not permissible under IRS rules and would have exposed me to significant penalties and legal risk. No legitimate or usable service was provided. The only service delivered was guidance that appears improper and not legally supportable. I exercised due diligence and did not proceed with filing any improper tax claims. I attempted to resolve the matter directly with the merchant, but they failed to provide a valid explanation or refund. XX/XX/XXXX I filed a dispute with XXXX XXXX. In XX/XX/XXXX the dispute was denied after the merchants bank responded. I then requested reconsideration and provided additional documentation, including a formal attorney demand letter dated XX/XX/XXXX, asserting misrepresentation, failure to perform services, and potential fraud. Despite this new evidence, XXXX XXXX declined to reverse the charge and did not appear to evaluate the dispute under fraud or misrepresentation standards. Instead, the matter was treated as a standard service dispute. This is what XXXX XXXX sent me : " Thank you for your eMessage. XXXX XXXX did attempt, in our best effort, to recover the funds for you ; however, the merchant 's bank declined our claim. We have exhausted all efforts to resolve this matter in your favor through the dispute process. We regret that we are unable to assist you further with your dispute. We would encourage you to work directly with the merchant and/or seek legal options. If you have any questions, you may contact us at XXXX. Thank you. '' This is not a case of dissatisfaction with services. This is a case involving : Misrepresentation of services Services not rendered in any usable or lawful manner Potentially deceptive or fraudulent conduct XXXX XXXX has failed to provide adequate consumer protection by not properly investigating these elements. Additional Actions I Have Taken : Formal attorney demand letter sent ( XX/XX/XXXX ) Complaint filed with Better Business Bureau XXXX filed with Utah XXXX XXXX XXXX XXXX XXXX filed with Utah Attorney General Supporting Documents : Attorney demand letter XXXX XXXX XXXX XXXX with merchant Any agreement or marketing materials

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction through PayPal in the amount of {$960.00}. This transaction was processed from my linked bank account without my authorization. I did not initiate, approve, or benefit from this payment, and I do not recognize the recipient. I reported this to PayPal, but my claim was denied with the explanation that the transaction was processed correctly.This does not address the core issue, which is that the transaction was not authorized by me. I am requesting : A full refund of {$960.00}, a proper investigation into unauthorized access or fraud? And documentation showing how PayPal determined this transaction was unauthorized. I have taken the steps to secure my account, including changing my password and reviewing account activity. This should be treated as an unauthorized electronic funds transfer under consumer protection regulations. My bank was able to stop payment on this transfer and protect me, but not PayPal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
From the very beginning I was not able to access the payment feature from their website. Each time I tried to make a payment I received a message " you found a bug ''. I notified Wise Loan and they setup two payments to payoff the balance. Each payment was completed and cleared my account, Today, I noticed they have continued to try and and withdraw additional payments from my account. They provided a payoff and accepted two payment amounts of {$540.00}. Now payments are continuing to be withdrawn. I tried going to their website to see why a payment was being deducted. I cant select or open anything other than the payment history. It will not provide loan balance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
case XXXX XXXX XXXX XXXXXXXX and XXXX Coinbase manipulated and created false fees and fake XXXX pretending to be human to NOT resolve multiple attempts to talk to someone about the credit low limit and fees, They have violated their own contract and rules and I refuse to pay these fees or keep talking about it on more and more bot chats You are cowards

Company response to consumer: Closed with monetary relief