vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CO

Complaint narrative:
I've applied for forbearance twice in a row and they decline me for my temporary lower income despite that fact that I'm back to normal in XXXX. I think it's important to note my loan was sold to them on accident as part of a batch of reverse mortgages when it is not. It was a nightmare to prove it was a conventional loan. I think they want it off their books since it's a jumbo loan. I've provide proof we will be making normal money in XXXX and that we have a lump sum of XXXX coming in this summer. I only asked for XXXX and XXXX forbearance. I can pay back those months by XX/XX/XXXX. They were sued by the government for foreclosing during XXXX XXXX so this action is not surprising me. I saw they even sold a house the bankruptcy court ruled on despite agreeing the woman could keep it. Forums are full of complaints and we just inherited them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: IL

Complaint narrative:
LMMINC reported that they recently purchased an account from XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX that was sold to them by XXXX Solutions XXXX After investigation and speaking to XXXX XXXX, I confirmed this is the credit card that ends in XXXX which I paid XXXX XXXX XXXX XXXX, 2026 for a settlement amount of {$430.00}. I contacted LMMINC an second time but they stated that they can not provide me any information and to just pay the collection or they will ding my credit score which they have done just that as I was making great progress. TransUnion hasnt been any help although Ive disputed this collection XXXX weeks ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
This is a follow-up to a previously closed complaint ( # XXXX ). Rocket Mortgage responded to my prior complaint by proving pre-placement notices were sent, but completely failed to address the central issue the unreasonable charge of approximately {$750.00} for fewer than XXXX days of force-placed insurance coverage in XXXX, implying an annualized rate exceeding {$13000.00}. They provided no policy breakdown, no premium justification, and no explanation of how this charge meets RESPA 's bona fide and reasonable standard under 12 C.F.R. 1024.37. Additionally, Rocket Mortgage began adding a {$42.00} escrow charge in XX/XX/XXXX with no prior notice or payment schedule provided. I have submitted a follow-up Qualified Written Request demanding full response. This dispute remains completely unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Leafy Financial, LLC
State: MS

Complaint narrative:
On XX/XX/year>, consumer sent a formal dispute and validation request to Leafy Financial via USPS Certified Mail ( tracking evidence attached ). Consumer disputed the debt in its entirety under XXXX5 U.S.C. 1692g. Consumer attached to that letter an XXXX XXXX XXXX printout ( dated XX/XX/year> ) showing Leafy Financial holds XXXX active state licenses. Mississippi is not listed. Leafy Financial is not licensed to collect debts from Mississippi residents. Leafy Financial never responded no validation, no verification, no notice, no marking of dispute. Despite the undisputed dispute and lack of license, all three credit bureaus continue to report the Leafy Financial tradeline on consumers credit reports as of : XXXX : XX/XX/year> XXXX : XX/XX/year> TransUnion : XX/XX/year> None of the XXXX bureaus have marked the tradeline as disputed except XXXX ( which shows Account information disputed by consumer but still reports the balance ). XXXX and XXXX show no dispute flag. VIOLATIONS Against XXXX XXXX XXXX : FCRA 1681i ( c ) Failure to mark account as disputed after receiving notice of dispute ( consumer disputed directly to furnisher ; bureaus were notified via consumers dispute or should have known ). Against XXXX : FCRA 1681i ( a ) Continuing to report unverified information after dispute flag does not cure the violation ; the tradeline remains with a {$3100.00} collection balance, causing ongoing harm. Against all three bureaus : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. Reporting a collection from a furnisher that ( a ) has no state license to collect from this consumer, and ( b ) never responded to a validation request, is not reasonable. FCRA 1681s-2 ( b ) Each bureau failed to conduct a reasonable investigation after consumer disputed ( or should have investigated when furnisher failed to respond to consumers direct dispute ). Furnishers underlying violations ( cited for context ) : FDCPA 1692g ( b ) Continued collection activity ( reporting ) after written dispute without validation. FDCPA 1692e ( 8 ) Reporting false credit information ( unlicensed collection ). FDCPA 1692f Unfair practice ( collecting without required MS license ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I opened a credit card on XX/XX/year>. I received an offer to open a checking account that included a {$320.00} sign-on bonus with specific requirements met. I closed my account at the credit union that I'd been with for about a decade because I needed the bonus money for medical bills. I opened the checking account on XX/XX/year> through their website by clicking on the offer. I never received the bonus and now they're saying that it wasn't applied to my application. Of course I have no way to prove that I clicked on the offer outside of my personal notes on what requirements I needed to meet. You can even see my first deposits are larger than current deposits because I wanted to meet the threshold as soon as possible. They will not issue the bonus even though everything was met because on their backend, it supposedly was not applied. It appears that they do this commonly, which seems unethical. It is easy to see that my dates are in an eligible period and that I met the requirements so the refusal to issue the bonus tells me that they never intended 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 monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Issue XXXX Withholding Secured Funds ( {$1000.00} ) : Navy Federal Credit Union closed my account and is currently withholding {$1000.00} of my funds used to secure a credit card. I have provided : Government-issued identification Multiple appeals A sworn affidavit of source of funds The funds originated from my own checking account and were lawfully obtained. I was instructed by a representative to visit a branch in XXXX XXXX, Michigan to retrieve my funds, but upon arrival I was denied access and told to appeal again. Despite full compliance, my funds remain restricted with no clear resolution or timeline. Issue XXXX Improper Dispute Handling ( XXXX Charges ) : I disputed duplicate charges from XXXX XXXX XXXX My account shows XXXX posted charges : {$430.00} {$630.00} The final rental receipt shows a total of {$630.00}. This indicates a duplicate or improper charge. I provided : Account statements showing both charges Final receipt Written dispute documentation Despite this, Navy Federal denied my dispute twice, stating insufficient documentation, without adequately addressing the duplicate posted charges. Requested Resolution : Immediate release of my {$1000.00} secured funds Proper reinvestigation and correction of the duplicate charge Written explanation of their findings

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: MS

Complaint narrative:
I received XXXX XXXX associated with XXXX XXXX XXXX XXXX. The hospital later approved me for XXXX % financial assistance and confirmed that my account has a {$0.00} balance. Despite this, a collection account from Collection Management Co. was placed on my credit report for this same or related medical service. This is inaccurate reporting. The original provider has already confirmed that the balance is XXXX, meaning no debt is owed. I have documentation showing the account was fully resolved. I am requesting that this collection account be investigated and removed immediately, as it does not reflect a valid or outstanding debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
I am filing this complaint because Freedom Mortgage Corporation reported a XXXX late payment to the credit bureaus under circumstances that were caused by its own failure to provide proper notice of a payment increase. I was not notified that my monthly mortgage payment had increased. As a result, I submitted my usual monthly payment amount, unaware that it was considered insufficient. Rather than notifying me and properly processing the payment, Freedom Mortgage failed to cash the check on time. I only discovered the issue when I noticed that my payment check had not been deposited. When I contacted Freedom Mortgage, I was told that my payment had increased and that I owed an additional amount. I immediately sent the difference as soon as I became aware of it. Even though the issue stemmed from Freedom Mortgages failure to notify me of the increase, the company reported the account as 30 days late. This caused my credit score to drop by approximately XXXX points, which has materially harmed my ability to secure financing for additional real estate investments. I asked Freedom Mortgage to explain why no notice had been provided and requested proof that such notice had been sent. They refused to provide that documentation. I also requested that they correct the negative credit reporting, but they refused. I am requesting that Freedom Mortgage be required to remove the inaccurate XXXX late reporting and correct the harm caused to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
Complaint : I am filing a formal complaint regarding inaccurate and unverified reporting on my credit file. The account listed as Revvi XXXX XXXXXXXX XXXX with a balance of {$520.00} is being reported without proper verification and violates : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct proper reinvestigation Additionally, if this account resulted from identity theft, it must be blocked under 15 U.S.C. 1681c-2. I have disputed this account directly with the credit bureaus, yet it continues to be reported without sufficient documentation. Resolution Requested : Immediate deletion of this account Written confirmation of removal Full documentation supporting verification if not deleted Failure to comply will result in escalation including legal action. Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credimatico LLC
State: TX

Complaint narrative:
The collector ( TruNorth Resolutions ) contacted my relativeS and left a voicemailS about 'certified documents ' and 'arbitration, ' which is an illegal third-party disclosure under 15 U.S.C. 1692c ( b ). They are also misrepresenting themselves as a legal 'arbitration firm ' while acting as a debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NE

Complaint narrative:
Account XXXX XXXX Radius Global Solutions. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe XXXXouve sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete account off my report as soon as possible from my report or I will have to take legal action.

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 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint against Wells Fargo Bank , N.A . regarding a XXXX XXXX retail installment financing account that was marketed as XXXX XXXX XXXX XXXX XXXX XXXX and then administered in a manner that I believe was predatory, misleading, and financially devastating. After the promotional period, Wells Fargo imposed or maintained retroactive interest and an inflated balance that we repeatedly disputed. This was not a minor servicing issue. We repeatedly asked Wells Fargo to explain the account, correct the balance, properly code the dispute, and communicate through counsel. Instead, Wells Fargo failed to provide meaningful help, failed to provide a complete accounting from inception, continued treating the debt as valid, continued direct correspondence despite attorney notice, and continued collection and/or derogatory credit furnishing on a disputed account. The result has been severe financial and emotional harm. Our credit was damaged, our borrowing ability was impaired, and we have been left dealing with ongoing stress and financial disruption from a balance Wells Fargo has never properly and transparently justified. Based on Wells Fargos known history of consumer misconduct, I am asking the CFPB not only to require correction of this account, but also to review whether Wells Fargos handling of promotional financing, disputed balances, consumer communications after attorney notice, collection conduct, and credit furnishing reflects broader unfair, deceptive, or abusive practices affecting other consumers. I request immediate relief on our account and regulatory review of the underlying conduct.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/year>, consumer disputed the debt directly to XXXX XXXX via USPS Certified Mail. XXXX XXXX never responded. XXXX XXXX XXXX printout ( XX/XX/year> ) confirms XXXX XXXX is not licensed to collect debts in Mississippi consumers state of residence. XXXX credit report dated XX/XX/year> shows the XXXX XXXX tradeline with a {$3100.00} balance and a notation Account information disputed by consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a formal complaint regarding my business account with Chase Bank. During a period of documented medical hardship, my business experienced a temporary interruption in income. Despite this, Chase continued to assess fees and allowed the account to deteriorate without offering meaningful assistance, guidance, or reasonable alternatives. I have serious concerns regarding the handling of my account, including : - The application of fees that I believe were excessive and unfair given the circumstances - A lack of clear communication and failure to provide hardship support options- Information provided by representatives that was inconsistent, unclear, or misleading - Actions taken on my account that may not align with fair banking practices As a small business owner, I relied on this account in good faith. Instead, I experienced a lack of support during a critical time, which worsened my financial position. I am requesting : - A full review of all fees assessed during the hardship period - Reversal of any fees deemed inappropriate or excessive - Disclosure of any reporting to XXXX or other consumer reporting agencies- Clarification of my account status and options for resolution or reinstatement I am seeking a fair and reasonable resolution to this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
I was been robbed when some hacked me, it was back XX/XX/year> from Cash App.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Called in to get a status update with my XXXX identity protection rep XXXX and was transferred over 8 times and could never get an answer after providing them a ticket number that they gave us XXXX weeks ago to call and get an update of if I hadnt received anything in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding the credit reporting practices of Aidvantage in relation to my student loan account. I experienced missed payments due to an unintentional oversight. In XXXX, I made a substantial payment of approximately {$1000.00} in an effort to bring my account back into good standing and correct the issue. Despite this good-faith effort, I applied for forbearance in XXXX to stabilize the account and prevent further delinquency. My intent at that time was to proactively address the situation and avoid additional negative impact. I have since learned that multiple late payments were reported to the credit bureaus prior to or during this period. I am concerned that my efforts to resolve the account including the significant payment made in XXXX and my subsequent request for forbearance were not fully considered in how the account was reported. My account is now in good standing, and I have implemented automatic payments to ensure all future payments are made on time. I respectfully request a formal review of the account history and reporting timeline, including whether my XXXX payment and XXXX forbearance request were appropriately processed and reflected prior to negative reporting. Additionally, I request that Aidvantage consider a goodwill adjustment to remove or reduce the impact of the reported late payments, given my demonstrated effort to resolve the account and maintain it in good standing. I appreciate your time and consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Account/Transaction Info : Card issuer : Synchrony Bank Last 4 digits : XXXX Transaction date : XX/XX/XXXX Transaction amount : {$1100.00} Merchant : XXXX vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Description of Issue : I am disputing a charge from the above merchant. I previously submitted a dispute through my credit card issuer, providing detailed evidence and a timeline of my dealings with the merchant, including communications and attempts to resolve the issue. Despite this, my claim was denied. I believe the denial was in error because : I provided complete documentation of the dispute. The merchant did not adequately address the issue. I am requesting that the CFPB review my complaint and assist in ensuring my bank fairly evaluates the dispute. I have attached all relevant documentation, including correspondence with the merchant and my bank. Attempts to Resolve : Submitted dispute to Synchrony Bank on XX/XX/XXXX. Provided detailed evidence of the issue. Received denial on XX/XX/XXXX. Thank you for your assistance. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I received your letter dated XX/XX/year> regarding claim # XXXX stating that no error occurred and instructing me that I authorized XXXX out of my account to chime and that they was going to deduct the provisional credit back out of my account explaining my findings that the card was in my possession and that I did not list my phone at the time when I filed the claim Under Regulation E, I am requesting a copy of the written explanation of Wells Fargo investigation findings and all documentation and evidence Wells Fargo relied upon to determine that this transfer was authorized. Please provide this immediately.

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