vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Village Capital & Investment LLC
State: TN

Complaint narrative:
I am submitting a formal complaint regarding the servicing of my XXXX home loan by Village Capital & Investment , LLC , which assumed servicing of my mortgage from XXXX XXXX  on XX/XX/XXXX. 

My loan originated on XX/XX/XXXX. During the period in which my loan was serviced by XXXX, I made XXXX consecutive monthly payments, each of which included an additional {$2000.00} principal curtailment beyond the required payment amount.

Upon transfer of servicing, Village Capital failed to recognize or properly apply these principal curtailments. Instead, they established my loan balance based on a standard amortization schedule that ignored the additional principal payments entirely.

After I contacted Village Capital to correct this error, they attempted to fix the issue by essentially applying a single lump-sum principal payment of {$10000.00} in XXXX. This approach is incorrect and materially flawed, as principal curtailments must be applied as of their effective dates to ensure accurate monthly principal balances and proper interest calculations. As a result of this misapplication, my loan balance remains overstated by approximately {$150.00}, which continues to accrue interest improperly.

Additionally, Village Capital failed to timely pay my XXXX property taxes in XXXX despite sufficient funds being available in my escrow account. I only became aware of this failure after contacting the servicer myself. Village Capital acknowledged that they had no record of the City tax obligation on my account and only made the payment after I provided a copy of the tax bill. While they have stated they will cover late fees, this lapse is deeply concerning and presents a risk of credit harm and tax lien exposure. 

These issues represent serious servicing failures, including improper application of principal payments, inaccurate interest calculations, and deficient escrow administration. Collectively, they raise significant concerns regarding Village Capitals competence and compliance in servicing VA-guaranteed loans.

For background on my own efforts to resolve these issues, I have email and phone records dating back to XX/XX/XXXX, and as recently as today reflecting my continued efforts to get resolution, or to even speak with someone above the " Customer Service Representative '' level at the company. I can provide these upon request. 

I appreciate the CFPBs assistance in protecting veterans from improper loan servicing practices and look forward to your prompt assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ). From this point forward, you are no longer permitted to contact me by phone, mail, email, or any other method. This includes direct contact, indirect contact, or communication through third parties. 

If you believe you have a legitimate claim, your only remaining obligation is to ensure that any information you are reporting is accurate and legally verifiable. Continuing to contact me or reporting inaccurate, unverified, or disputed information to the credit bureaus after receipt of this notice will be considered a knowing violation of federal law.

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 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am formally disputing all charges on my XXXX XXXX credit card account opened through Synchrony Bank due to fraud and unauthorized use. 

I applied for this account in XX/XX/XXXX at an XXXX XXXX store with a credit limit of around {$3500.00}. The fraudulent charges were from XX/XX/XXXX, XXXX XX/XX/XXXX, totally over {$7000.00} dollars. I never received a physical credit card, billing statements, invoices, emails, or phone calls from Synchrony. I first became aware of this account and the fraudulent charges in XX/XX/XXXX after noticing a significant drop in my credit score. 

Upon contacting Synchrony immediately, I was informed that the mailing address on file was incorrect and not my address, which explains why I never received notice of the account activity from Synchrony. Since XX/XX/XXXX, I have submitted three fraud investigation reports in XXXX the last one the Fall of XXXX all of which were denied without Synchrony providing any documentation proving that I authorized these charges. 

The Claim Report I've attached is from the last fraud investigation report I submitted in XX/XX/XXXX. I received this around XXXX XXXX. This was the first time I got this type of report. The two previous times I was denied I never got a Claim Report with an explanation. 

The total balance now exceeds {$9000.00} due to interest and late fees, despite the original credit limit being around {$3500.00}. I did not make these purchases, did not receive the card, and did not authorize anyone else to do so.

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 2026-01-06 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: EdFinancial Services
State: VA

Complaint narrative:
I made a {$300.00} payment to my student loan balance on XX/XX/XXXX. I received a confirmation email from EdFinancial and the money was taken from my bank account, however the payment was never posted to my account. I have been calling for XXXX  months now to resolve this issue to no avail. I have submitted my confirmation email and bank statements as proof for months now and no one wants to help me or even direct my in the right direction. Interest is accruing on my payment that should have been applied XXXX months ago and I was even told I would not get back payment on interest from a representative. It is now XX/XX/XXXX - this issue needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OK

Complaint narrative:
I filed a dispute because of the XXXX app charging my Cash app card and I did not authorize that in fact I paid with a gift card so there was two orders made, and I only picked up one. I have put in an in dispute in through Cash app and it was denied. Then I went to appeal it and that was also denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am the designated beneficiary of a Certificate of Deposit ( CD ) held at Citibank, N.A., belonging to my late aunt, XXXX XXXX, who passed away on XX/XX/year>. 

I submitted my initial beneficiary claim and required documentation on XX/XX/year>. Since then, I have made numerous in-person visits to a Citibank branch and multiple phone calls seeking resolution. To date, I have not received a case number, a written explanation, or any timeline for the release of funds. 

Citibank representatives repeatedly tell me only to wait, without providing any justification for the delay.

This situation is especially concerning because two other beneficiaries, my cousins, who held CDs under the same conditions with the same deceased account holder, have already received their funds from Citibank. This confirms that the bank is able to process these claims, yet my claim remains unreasonably delayed. 

More than 4 months have passed since my original request, which I believe constitutes an unreasonable and unjustified delay in releasing funds to a lawful beneficiary.

I am requesting that Citibank : 1. Immediately review and resolve my beneficiary claim 2. Provide a written explanation for the delay 3. Assign a case number or case manager 4. Release the funds owed to me without further delay I have all required documentation, including the death certificate and proof of identity, and can provide them immediately upon request.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am writing regarding the collection account reported under my name, with Midland Credit Management LLC. After reviewing my records, I am not aware of any signed agreement to do business with them nor that authorizes this company to report this account to the credit bureaus. Ive requested a copy of the signed agreement but they failed to provide me with such copy.

Midland has damaged my credit. I previously filed a dispute with all XXXX credit bureaus non resulted in a positive outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank is reporting a XXXX late payment for XXXX on my PayPal Credit account . The missed payment was caused by PayPals automated bank-linking system debiting the wrong account. I did not manually enter bank information and attempted to pay on time. PayPal credit team acknowledged the error but refuses to correct credit reporting due to it being an app issue not their issue. This reporting is inaccurate under the Fair Credit Reporting Act. I am requesting removal of the late payment. I made a dispute and the only reason they gave me is they disagree and thats it.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint regarding unauthorized debit card transactions by XXXX totaling {$3200.00} on my Bank of America checking account. The debit card had been missing for several months, from my knowledge no PIN was used, and I did not authorize these transactions. 

I reported the fraud to Bank of America on XX/XX/XXXX. Bank of America denied my claim without providing a written explanation, evidence, or confirmation that the claim was reviewed under Regulation E.

Under Regulation E, unauthorized electronic fund transfers must be properly investigated and consumers are entitled to a written explanation for any denial. I am requesting reconsideration of my claim, disclosure of the evidence relied upon, and reimbursement of the unauthorized transactions totaling {$3200.00}. 

I am requesting executive-level review and resolution of 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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: World Acceptance Corporation
State: IL

Complaint narrative:
Im now being harassed over a debt that is XXXX XXXX XXXX. The loan type is now illegal in my state. They called family members to contact me. They threatened to show up at my place of work and house to serve papers. I told them to send correspondence in mail and they continue to harass me. The are a best collector for world finance corporation. The amount is XXXX. They just started contacting me on the XXXX of XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Our mortgage is with PHH Mortgage. 
We lost our home in the XXXX XXXX on XX/XX/XXXX. 
We will be rebuilding but right now we have just a clear lot - no house. 
Our insurance with XXXX  XXXX XXXX expired on XX/XX/XXXX and we did NOT renew it because we DO NOT HAVE A HOUSE. We do however have liability insurance through XXXX XXXX and it is in full effect.

PHH Mortgage is insisting that they will put forced insurance on the property unless we can prove there is no longer a house on the property. 
We sent them the letter we received from the XXXX XXXX XXXX XXXX XXXX saying that our property tax is reduced because there is no longer a house on the property. 
PHH said that is not enough. 
We sent them the screenshot from the XXXX XXXX XXXX Tax Assessor website showing that our property tax has been reduced AND SHOWING A PHOTO OF THE LOT - THERE IS NO HOUSE ON IT!

PHH said that is not enough.

We have talked to representatives from the company multiple times and explained what is going on. They have said they will look into it and then we get another letter threatening forced insurance if we do not add fire coverage. The last letter was dated XX/XX/XXXX and we received it yesterday ( XX/XX/XXXX ). 
In the meantime : 1. They are holding insurance funds equal to the balance of the loan until we rebuild.

2. Our escrow payments have been reduced because the property tax has been reduced because WE LOST OUR HOME IN THE XXXX FIRE! 
3. We receive MONTHLY letters from PHH asking about the status of our rebuild. 
4. We have sent them copies of the plans that have been submitted to the XXXX XXXX XXXX XXXX. 
PHH is threatening to charge us {$3400.00} to put fire insurance on a vacant lot. 
In our last phone conversation regarding the email sent on XX/XX/XXXX ( see attached ), the rep was unable to explain to us any of the following that they are requesting : 1. He did NOT know what a " Tax Report '' from the County would be other than what was already sent. 
2. He did NOT know who should " Inspect '' the property to provide a report.

3. He did NOT know what a " Property Card '' is.

4. He did NOT know what an XXXX Document is.

5. He did NOT know what they would accept as an " official document '' other than what has already been sent. 
We simply do not know where to go from here as PHH is being completely unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I contacted my mortgage servicer seeking temporary or short-term assistance with a single payment. At the time of contact, my loan was current. This loan is FHA-insured, and I was not informed of any delinquency threshold or eligibility screening prior to the interview. Despite this, I was transferred multiple times and subjected to a full financial hardship interview, during which I was required to disclose detailed personal and financial information. 

Only after completing this interview was I informed that I was categorically ineligible for any assistance unless my loan was at least XXXX days past due... a requirement that should have been disclosed upfront. Had this eligibility rule been communicated at the beginning, the financial interview would never have occurred. 

This resulted in unnecessary collection of sensitive financial data with no legitimate servicing purpose and wasted significant time during my workday. Additionally, I was told that no mortgage servicer offers short-term assistance while a loan is current, a statement that is inconsistent with industry practice. I believe this reflects a failure to properly screen loss-mitigation eligibility and a misleading intake process, contrary to expected mortgage servicing standards. 

I am requesting written confirmation of the servicers eligibility criteria, an explanation for why a financial interview was conducted despite known ineligibility, and confirmation that the personal financial information collected will not be used or retained improperly.

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 2026-01-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I refinanced my auto loan from Santander XXXX  USA to XXXX XXXX. On XX/XX/XXXX XXXX sent {$44000.00} to Santander XXXX  USA ( XXXX ). On XX/XX/XXXX Santander only applied {$31000.00} to my account. I found the discrepancy because Santander sent a statement for XXXX with a remaining balance. 

I started by calling XXXX asking if they sent the wrong amount but they were able to send me details ( mentioned above ). I called Santander on XX/XX/XXXX and they said to call back in 3-5 business days. We called back and spoke with agents 3 different times on XX/XX/XXXX. Same story call back in 3-5 days. We called back on XX/XX/XXXX were told to call back. Called on XX/XX/XXXX ( again 3 separate calls ) told to call back. Called on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. No progress. No acknowledgement of previous compliant. 

In fact on XX/XX/XXXX they went backwards and reversed the payment of XXXX. Now they say the payoff amount is {$45000.00}. They are continuing to charge interest and fees. They have refused my offer to get XXXX XXXX  on the phone to resolve in real time. They claim they are unable to contact the review department. 

This is a deliberate attempt to deny sale of my loan and extort more interest. They can provide no details on the {$31000.00} payment and claim they lost the original payment. Yet they've made no effort to recover payment and are happy to charge me additional interest and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had XXXX accounts with Synchrony bank. In XXXXXX/XX/XXXX 2025 I purchased a car for {$7700.00} and used XXXX of my Synchrony bank credit cards to make the purchase. Synchrony bank closed all XXXX of my accounts as said I failed to make a payment when no payment was due. I tried to dispute closing my accounts but they denied it. I had never been late or missed a payment when I bought the car. My ulitilization increased as that is the real reason they closed them. I had XXXX balances on several of the XXXX accounts and they were closed due to failing to make a payment. There were no payments due. This is so unfair. When I call Synchrony bank I get put on hold then disconnected on.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CENTRAL BANCOMPANY, INC
State: KS

Complaint narrative:
I opened a Central Bank checking account under a promotional offer that required ( XXXX ) qualifying direct deposits totaling at least {$800.00} and ( XXXX ) maintaining a minimum {$50.00} balance. 

I met the {$800.00} direct deposit requirement through XXXX employer payroll deposits from XXXX of {$400.00} each on XX/XX/XXXX and XX/XX/XXXX. 

The promotional payout was scheduled for XX/XX/XXXX. As of today, XX/XX/XXXX, the bonus has not been paid. 

When I contacted Central Bank, I was given conflicting explanations. XXXX representative stated the bonus was denied because my balance allegedly went below {$50.00}. Another representative stated I did not meet the direct deposit requirement, even though the XXXX payroll deposits totaling {$800.00} are clearly shown in my transaction history. 

After noticing any reduction near the {$50.00} threshold, I immediately deposited additional funds to restore the balance and kept the account at or above {$50.00} thereafter. 

The promotional terms do not state that a transient, bank-posted fee disqualifies eligibility, nor do they state that the qualifying payroll deposits I received are excluded.

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 2026-01-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank initiated foreclosure while my mortgage assistance application was under active review. I received written correspondence dated XX/XX/XXXX requesting documents with a due date of XX/XX/XXXX. I was never notified my application was denied or that foreclosure proceedings resumed. This appears to be illegal dual tracking. 
I have been applying for MAP since I missed my last payment. I keep calling when I don't have response, and applying. I am told XXXX thing then another. Now I have foreclosure date ... How is that legal??? 

Please help me stay in my home.

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