vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
On 2025 my Mortgage company attempted to foreclose on me because they sent payments in the wrong amount to pay my taxes. I am supposed to pay my own taxes. They then proceeded to tell me that my taxes had gone up. Which was not true, they emptied my Escrow and raised my payment in the amount of {$250.00} more. I turned in 2 hardships and they always stated that they needed more information and I provided it. They kept asking me to send in my bank statements. I did but it was never enough. The would not allow me to make my payments. I was 8 months behind and going into foreclosure. On XX/XX/XXXX the were trying b g to foreclose. I wired past due money plus lawyer fee. They also reported me late every month.

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 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
I received a voicemail from XXXX XXXX about a debt I owed from 3 years ago to Acima ( they didnt state what it was for or who they were just that they were calling about a case being filed against me and threatened to show up to my place of work ) they told me I would have to go to court. But first they called my husband and old landlord and scared them. The first time I called back they refused to tell me what the case was regarding and said I will find out when they serve me papers and then hung up on me. The second time I called over 5 times, finally got a response and the guy told me I need to set up a payment plan, but not with Acima, with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Once again I am charge return check for {$20.00}. I paid on the XXXX my bank paid in the XXXX of XXXX. Payment was due on the XXXX. Now I have another return check fee that I should not have. Speaking with an agent saying he will XXXX XXXX time as courtesy there is no need for a courtesy adjust because there was no return check. Please verify with my bank XXXX XXXX neither check was dishonored. Spoke with Supervisory XXXX XXXX XXXX Says she will have a manger to call me says she doesn't have a certain manger. Same thing happened XX/XX/year> This has been the second time this has haven't manager XXXX XXXX refuse to call bank. She says she is submitting a request to have manager to call me back. XXXX On Wednesday, XX/XX/year> at XXXX XXXX EST, Citi

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
CFPB Complaint : Transworld Systems Inc. ( TSI ) Company : Transworld Systems Inc. ( TSI ) Account # : XXXX Amount : {$380000.00} Complaint Description : This is a formal demand for the immediate production of documents regarding Account # XXXX. I am directing this specifically to XXXX XXXX ( XXXX XXXX XXXX XXXX Officer ) because TSI is maintaining a {$380000.00} fraudulent collection file that the original creditor has already officially abandoned in a federal response. The Fraud and XXXX Obstruction : XXXX XXXX XXXX XXXX ( XXXX ) account was hacked and used to fund a fraudulently created XXXX account. XXXX is fully aware of this unauthorized activity as they have acknowledged the deposits and withdrawals made from the account. Because of this fraudulent activity and the resulting {$380000.00} debt, XXXX is refusing to return my funds. The Evidence of Abandoned Collection : In an official CFPB response dated XX/XX/year>, XXXX XXXX explicitly acknowledged the " withdrawal of XXXX XXXX debt collection request with TSI XXXX. XXXX further stated on the federal record : " We consider this matter concluded ''. The Demand for Production : TSI is verbally claiming the debt is " returned, '' but is withholding the written proof I need to satisfy XXXX 's requirements. I demand that XXXX XXXX personally intervene and produce every document proving this debt is dead, including : The Debt Withdrawal/Recall Notice : The specific internal record where XXXX instructed TSI to drop the {$380000.00} collection. The XXXX of XXXX : A formal letter on TSI letterhead stating Account # XXXX is closed with a {$0.00} balance. Synchronization Records : Physical proof that TSI has updated its system to reflect XXXX 's " concluded '' status. Financial Damage : TSIs refusal to provide these documents is the direct and only reason XXXX XXXX XXXX is withholding my life savings. I am an identity theft victim, and I require these " business records '' immediately to prove to XXXX that there is no longer a valid third-party claim against my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
What Happened I am submitting this complaint because the financial institution has failed to properly investigate and resolve my issue despite multiple attempts to address the matter directly with them. I have made several efforts to communicate with the company and provide supporting documentation regarding my situation. Unfortunately, the institution has either ignored my communications or failed to conduct a reasonable investigation into my concerns. In addition, I am currently experiencing documented medical hardship. I am under psychiatric care and have been diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX related to mental health conditions. These diagnoses are confirmed in my medical records and require ongoing treatment and medication management. Psych Plus XXXX XXXX XXXX These conditions significantly affect my ability to function under stress, manage financial matters, and maintain stability. My treating provider has documented ongoing symptoms including XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Psych Plus XXXX XXXX XXXX Despite being aware of my situation and my attempts to resolve the issue in good faith, the company has not taken reasonable steps to review the matter or provide a fair resolution. Why This Is a Problem Financial institutions have an obligation to handle consumer complaints responsibly and conduct proper investigations when disputes are raised. The failure to do so creates additional hardship for consumers, particularly those dealing with documented medical conditions and financial stress. The companys lack of response and failure to address my concerns has caused significant emotional and financial distress. What I Want the CFPB To Do I respectfully request that the Consumer Financial Protection Bureau require the company to : Conduct a formal investigation into my complaint. Review the documentation and medical hardship evidence I have provided. Provide a clear written response addressing my concerns. Offer a fair and reasonable resolution. If necessary, I am prepared to provide supporting documentation, including medical records and correspondence related to this matter. I appreciate the CFPBs assistance in ensuring that financial institutions comply with their responsibilities to consumers. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
The account balance is XXXX $ reported on XX/XX/year> This account has an incorrect name, Ive already emailed the reporting company and asked them to verify they were unable to verify the information therefore they must delete the collection but they havent done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding Comenity XXXX refusal to issue a prorated refund of an annual fee after restricting and closing my account. In XX/XX/XXXX, I paid a {$140.00} annual fee for my XXXX XXXX XXXX XXXX XXXX credit card issued by Comenity Bank. In XXXX XXXX, Comenity Bank placed my account under an identity verification restriction, which prevented me from using the card or accessing any card benefits. I complied with their request and submitted identity documentation, including my drivers license and social security card. During this period my account remained restricted and unusable, preventing me from making purchases or continuing toward my annual rewards benefits. On XX/XX/XXXX, Comenity Bank permanently closed the account after determining my documentation was insufficient, despite the fact that the identification provided matched my account information. Because the bank restricted my account beginning in XX/XX/XXXX, I was unable to use the card for several months of the annual fee period that I had already paid for. I requested a prorated refund of the unused portion of the {$140.00} annual fee, but Comenity Bank refused. In their written response dated XX/XX/XXXX, they stated that they are unable to credit the rest of the 12 month charge. Their response does not address the fact that the account was restricted by the bank for months before it was closed, preventing me from using the services associated with the annual fee. I previously filed a complaint with the Consumer Financial Protection Bureau ( Reference No. XXXX ) regarding the account closure itself. While that complaint was closed, the issue regarding the annual fee refund remains unresolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This company is violating my rights. It has been 30 days and they have no provided validated information. Under XXXX CFR XXXX ( b ) ( XXXX ), yet they have placed a collection on my credit report. XXXX U.S.C. SS XXXX ( b ) of the FDCPA requires debit collectors to cease collection activities and provide proper validation of the debt within XXXX days of initial contact. These accounts are not 100 % accurate. Until I am provided competent evidence that validates the debt including a signed agreement, and full account history, you MUST cease all collection efforts and remove this information from my credit report. Please review this immediately. ONCE A VEHICLE IS SOLD AT AUCTION I NO LONGER OWE THE ORIGINAL DEBT.. I look forward to this matter being resolved as soon as possible as this is taking a toll on my life.

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 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MD

Complaint narrative:
This account was referred to Hunter Warfield by XXXX XXXX XXXX. Account # This account was referred to Hunter Warfield by XXXX XXXX XXXX. However, the warrant of restitution was canceled and no money judgment was entered. I have not owed any amount under this account as verified by court records. Therefore, the account is being inaccurately reported and I request it be removed from my credit report. Attached are supporting documents including court cancellation records and account correspondence.However, the warrant of restitution was canceled and no money judgment was entered. I have not owed any amount under this account as verified by court records. Therefore, the account is being inaccurately reported and I request it be removed from my credit report. Attached are supporting documents including court cancellation records and account correspondence. Also mentioned it will go to court if no payment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NY

Complaint narrative:
I lost my card and when I called the XXXX XXXX system, there are no live operators, just a automated, prompt system that won't allow my to report a lost card and order a replacement card. I called up and put in my SSN instead of XXXX digit number ( Which i don't have because I lost the card ), after that it informed me that my pin was locked ( obviously because I lost it and someone tried to use it ). Then it proceeds to tell me that I need to put in my XXXX digit security code if you your Pin is locked. I DON '' T HAVE MY SECURITY CXXXXE! My card is lost I don't have the XXXX digit or the security code on the back, so guess what happens next......? NOTHING, it won't let me report my card stolen or lost and won't let me order a replacement card. I didn't have the XXXX digit number or the security code to orignally order the card initially why would i need it to get a replacement? THIS IS INSANE! I am XXXX XXXX XXXX and I cant get access to my social security income!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 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: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have a VA backed VA home loan. My last payment was 14 months ago XXXX XXXX. I had been in foreclosure for a year. Notice of default was filed XX/XX/year>. I am trying to move this foreclosure along so I can move on with my life but 14 months of no payments, 8 months since the notice of default, and still XXXX update, no sale date, its just sitting there. I call weekly and get the same response. No sad date has been scheduled and no additional information available. They have been delaying this 8 months now and it hurts me more than anything. They have no urgency or no rush to sale the home. They have XXXX reason for the delay. A foreclosure in CA should never take this long. The property has been vacant for 15 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: VA

Complaint narrative:
On XX/XX/year>, I woke to an alert from my bank that {$740.00} was withdrawn through Cash App and I was on the verge of being overdrawn. I checked my account and saw that several unauthorized transactions through Cash App occurred between XXXX and XXXX am. I also noticed a log in occurred the previous day from South Dakota. I live in Virginia. I only use Cash App to send money to my daughters and rarely use it for anything else, however this day there were several transactions between adding money to Cash App using my XXXX debit card, buying bitcoin and transferring money to people I do not know totaling {$740.00} coming out of my XXXX check My account. I disputed the charges with both Cash App and XXXX. XXXX could not prove any fraudulent activity ( I appealed it twice ) and suggested I work with Cash App. I disputed the transactions starting on XX/XX/year>. I was told on would hear something in 10 days. XXXX weeks passed and I reached out to Cash App because XXXX XXXX heard anything. They told me it was escalated and I would hear something in 10 days. It is now XX/XX/XXXX and I have still not heard anything in terms of a result or requesting information other than when I contact Cash App they say its been escalated and someone will be in touch. It has been 45 days and I have heard nothing. I was finally able to get a reference number XXXX from them this week but that is the extent of it. I just want to know where they are with investigating my case. I have evidence of the disputed charges and prof that someone logged in without authorization. I have not shared my log in or my phone with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
On my XXXX XXXX XXXX living space they have on my report as a collection/charge off which is listed as closed cause they closed the account. On my XXXX they only have it listed as a charged off which is false information. XXXX bank passed my information off to a company I never done business with, I have no contract or business with this 3rd party company named Cavalry Protfolio Service LLC a debt collector. Under 15 USC 1692c is a section of the US Code RESTRICTS creditors from communicating with you upon your written cease and desist letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am disputing an inaccurate balance on my closed store card account ( issued by XXXX XXXX XXXX. The original principal balance of approximately {$200.00} has been paid in full multiple times. Despite these payments, the bank has continued to stack late fees month after month, inflating a {$0.00} principal balance into a {$490.00} debt. These fees are predatory, disproportionate to the original debt, and violate the CARD Act 's requirements for reasonable and proportional penalty fees. This inaccurate reporting has caused my credit score to drop from XXXX to the XXXX, severely impacting my financial well-being while I am currently unemployed. I am requesting a full waiver of the {$490.00} fee balance and a total deletion of all late payment marks from my credit report to reflect that the principal was paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: MN

Complaint narrative:
Received emails last night that a checking and savings accounts were created in my name with us bank. Called them after receiving notice that the accounts were approved. Provided information to close ASAP. Placed credit freeze to ensure no other accounts are created.

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 2026-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX, I spoke to a representative from Freedom Mortgage on the phone. This representative made me aware of a refinance option for my home, the XXXX. I asked the representative if doing this refinance would jeopardize or frustrate my plans to rent the home in the near future. The representative responded by saying that the refinance would not affect my ability to rent the home in the near term. Based on this response, I went forward with the refinance program. It was only under this false impression did I agree to go forward with the refinance. In XXXX of XXXX, I closed on the house as part of the refinance. Now in XXXX of XXXX, I am applying to purchase a home better suited for my family but I can not. I am unable to proceed with purchasing another home that better suits my familys needs through the VA because of this refinance. Freedom Mortgage provided false and misleading information in order to get me to agree to the refinance. At no time did Freedom Mortgage vocalize to me or correct the misinformation supplied to me. They sold a product under false pretense.

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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an extremely troubling and potentially unlawful experience I had with Westlake Financial Services related to the repossession and subsequent sale of my vehicle. Westlake repossessed my vehicle under circumstances that I believe were improper and potentially illegal. After the repossession occurred, I paid approximately {$8000.00} to fully satisfy the remaining balance on the loan in order to recover my vehicle. Despite my payment, Westlake failed to provide the necessary documentation required for the auction facility to release the vehicle back to me. Because the appropriate paperwork was never provided, the auction facility informed me they could not release the vehicle. Since the auction facility did not have proper authorization or documentation to transfer ownership or release the vehicle, they reportedly returned the rights back to Westlake Financial Services. Shockingly, I later learned that Westlake sold the vehicle, even though I had already paid off the loan balance in full. I was never notified that the vehicle would be sold, nor did I authorize such action. To make matters worse, Westlake Financial Services is now unable or unwilling to tell me where the vehicle is located or who it was sold to, despite the fact that I paid the balance required to reclaim the vehicle. This situation has caused significant financial harm and distress. I believe Westlake Financial Services has acted negligently and possibly unlawfully by : Repossessing the vehicle under questionable circumstances Accepting full payment of the loan balance Failing to provide required documentation to release the vehicle Selling a vehicle that had already been paid off Failing to provide information regarding the location or disposition of the vehicle

Company response to consumer: Closed with explanation