vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket mortgage just bought out my previous company XXXX XXXX - XXXX XXXX out. In XX/XX/XXXX my property insurance renews. my insurance company total for home and car was {$5100.00}, {$1300.00} was my car, My insurance co. received payment from mortgage co XX/XX/XXXX for {$3700.00}. when mortgage calculated my escrow they are using {$5100.00} as the number they paid out and it was not what they paid out. so i called spoke to a man who told me my home insurance rose to {$5000.00} i said no it did not he told me it did and nothing he could do. so i went home pulled my paper work say the totals and what they did, so i called back XX/XX/XXXX spoke to a women and she said i have to transfer you to another dept but and by the way you owe {$490.00} more for this month ( XX/XX/XXXX ) mortgage i asked why i have nothing in writing from you stating this i am looking at me statement when did you plan to send me something to back this us she said its in the mail. Then she transferred me to XXXX she looked at the file and told me they pay off the cover sheet which is {$5100.00}. that i need to have my insurance company send a new cover letter am I ok with this, I said NO, you did not pay off the cover letter because you paid my insurance company {$3700.00} they received on XX/XX/XXXX so someone in your office knows how to read a bill, no one pays off a cover letter. so she put me on hold and call my insurance company XXXX XXXX XXXX. then came back said shes on hold do I have a number for my agent I call, so I gave her the local office number she spoke to someone she said who is is sending over the letter. for me to check the following Monday XX/XX/XXXX today is XX/XX/XXXX and nothing is done on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I can no longer see my checking account to give you the accurate dates because Citibank closed my account. Sometime in XXXX of XXXX or so, I was approached by a stranger on XXXX who was willing to help me pay my bills. I was not aware this was going to be a scam. I took him up on his offer. He told me, he was going to put cash into my checking account and I needed to give some back and I could keep the rest. I sent some back in bitcoin. Later the bank sent his deposits back to him telling me the deposits were not legit. This left a deficit in my checking account. I also discovered this person took {$200.00} or so and paid someone else without my permission. Citibank was able to recover this money. However, this scammer left a- {$1300.00} in my account causing it to get closed. I was devastated. I turned it into Citibank fraud right away, but they told me I still had to pay 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 2026-03-12 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: Benht: Economic Development Corporation
State: CA

Complaint narrative:
I was in desperate need of financial support and signed up for a loan of {$600.00}. Upon further inspection it became clear that the loan had an interest rate of just over 665 %, taking {$82.00} out of my bank account weekly until XXXX. This results in a cost of {$3300.00} to my bank account which I simply can not afford. I would greatly appreciate any assistance and advice. Is this legal to charge such egregious interest rates? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
EXETER FINANCE LLC : I purchased a vehicle XXXX years ago costing {$32000.00}. Over the course of XXXX and a XXXX years i paid on time everytime $ XXXX a month. My insurance kept going up and had reached $ XXXX so unable to pay that i went down to liability. Few months later i end up totaling the car, having the means to make it right that same day i called Exeter financial with an offer of {$15000.00} to pay off the {$2000.00} left on the vehicle along with some for any interest. They proceeded to tell me they do not negotiate. So i continued to pay my note on time every month on top of the new note from the car i had to buy to get back and forth to work. Up until i could no longer handle both payments. Which they then sent me an offer to pay 25 % of the cost of the vehicle. Since they do not negotiate i ignored that. They then came offering 15 %, i ignored that then they closed the account and charged of the whole {$32000.00}. Then offered 5 %. About 2 years later they now sent that to collections which i thought was a closed account asking for {$30000.00} which is what i have already paid them. The correct amount should be {$2000.00} + 28 % interest which is what i actually owe them on the {$32000.00} car that i totaled and tried to work it out with them the exact same day. This is wrong on so many levels i had just gotten my credit near good after XXXX years of bad luck with credit and 2 bankruptcys. The last thing i needed was for them to wait til XXXX to hit my collections for a car i bought in XXXX with false amounts owed when i was never late not once, and i offered to pay way more then i owed in hopes they would finance my next car which they refused. I disputed this 4 times already and it is currently under dispute as i file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I refinanced my federal student loans from MOHELA to XXXX on XX/XX/XXXX. As part of the refinance, XXXX sent MOHELA a payoff payment of {$370000.00}, which exceeded my total loan balance by {$2700.00}. According to MOHELA, the overpayment was refunded to XXXX on XX/XX/XXXX. In XXXX, XXXX advised me that the refund should be received within 60 days and instructed me to contact them if it was not reflected on my account by that time. Because the refund never posted, I contacted XXXX on XX/XX/XXXX. They instructed me to request proof of payment from MOHELA ( such as images of the front and back of the refund check ) so they could initiate a check trace. Since then, I have contacted MOHELA multiple times requesting this documentation. MOHELA has not provided the requested proof of payment and has given conflicting and inaccurate information, including stating that the refund had not been issued, despite their own system showing that it was issued on XX/XX/XXXX. As of XX/XX/XXXX, XXXX still has not received the {$2700.00} refund, and MOHELA has not provided documentation needed to trace the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX didnt follow my requesting and I ask for sign l gave interrupter and they wont do it since and u feel like J.P. Morgan abusive toward me no reason Voliation my right without sing language interrupter being present as I requesting it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am a private student loan borrower with four Signature Student Loans originated through Sallie Mae ( now Navient ) for attendance at XXXX University between XXXX and XXXX, currently serviced at XXXX ( Account : XXXX ). Loan numbers : XXXX, XXXX, XXXX, XXXX. All four loans are owned by Navient Private Loan Trust. Navient applied unauthorized forbearances and payment postponements to my federal loan account on XXXX documented occasions between XXXX and XXXX. I believe these same unauthorized forbearances simultaneously broke the consecutive on-time payment streak required for the Signature Rewards benefit on all four of my private loans. The Signature Rewards benefit provides a permanent 0.5 % interest rate reduction after 48 consecutive on-time payments. Repayment on all four loans began XX/XX/XXXX. Forty-eight consecutive months later is XX/XX/XXXX which falls directly within the most concentrated period of unauthorized forbearance activity on my account. The Signature Rewards benefit is currently showing as DISQUALIFIED on all four loans. No written explanation for the disqualification has ever been provided. Original combined principal on these four loans was {$58000.00}. I have paid {$75000.00} and still owe {$32000.00}. Total accrued interest across all four loans is {$46000.00}. I have paid back 129 % of the original combined balance and am not close to done. I am also requesting clarification on why these private Signature Student Loans were transferred to XXXX, which primarily services federal loans, as part of the Navient transfer. I have never received written confirmation of the loan type classification for these loans at XXXX. I am requesting : ( 1 ) written explanation of the specific date and reason for Signature Rewards disqualification on each of the four loans, ( 2 ) reinstatement of the 0.5 % rate reduction with retroactive application if disqualification was caused by servicer-initiated forbearances, ( 3 ) written confirmation of loan type classification for all four loans at XXXX, and ( 4 ) a formal audit of all forbearance events applied to my account that may have affected these private loans. Note : A companion complaint has been filed separately regarding my federal FFELP consolidation loans serviced by the same entity, Navient Solutions LLC, reflecting the same pattern of unauthorized forbearance activity across my entire loan portfolio.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, an initial payment was attempted on a new credit card account. Due to a manual data entry error, an incorrect bank account number was submitted. This resulted in a returned payment notification. I immediately identified the clerical error, updated the banking information with the correct account details, and successfully processed the full payment before the scheduled due date. There is no outstanding balance or history of delinquency on this account. Despite the successful on-time payment and the proactive correction of the data entry error, the company has placed a mandatory 90-day freeze on the credit line. Customer service representatives state that this is an automated system flag that can not be reviewed or overridden by human agents. I am requesting a manual review of this risk flag by the XXXX XXXX or XXXX department. Maintaining a three-month account freeze for a corrected technical errorwhere no financial loss or late payment occurredis an unreasonable restriction of service. I request that the freeze be lifted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After my previous complaint against Wells Fargo they retaliated after ... and flagged my account and set up a banking alert to bank tellers. The overdraft issue was resolved and I ended up paying the fees for their mistake of overdraft protection for online debits after my balance was negative and overdrawn. Today XX/XX/year> it was the second time the Teller had to request an override to give me cash... Today was {$100.00} in cash when my account had over {$800.00} available .. previously I had over {$1500.00} available when I requested cash from the teller. I called Wells Fargo to complain after I left the bank but their response was vague since my overdraft protection was already removed from my account and my account was in good standing. This is retaliation and embarrassing when the customers behind are listening the teller telling me the account has an alert .. this is bad customer service and lack of respect and against retaliation laws.

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: FL

Complaint narrative:
Self is reporting on my credit report with a balanced owed of XXXX I opened the account but never used it never was insured an card or anything not transaction the account was basically closed with no owed balance or spent balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
fay service bill me for insurance and taxes that i payed. i have cntacted them many times and sent them proof. now they rtewported late payemnts on me even though i made the payemnt that were due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: PA

Complaint narrative:
XX/XX/XXXX spoke to XXXX at Discover regarding what was needed to transfer my IRA to another bank. I got all of the paperwork needed and went to XXXX XXXX to open an IRA account so Discover could transfer the funds. Discover had XXXX send the check to a PO box but it never got there. XXXX refused to do a wire +/ account transfer. I gave up and had Discover send it to XXXX. Low and behold, I needed more paperwork. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX,...... I kept getting told by Discover to send, resend, didn't get. Then, low and behold Discover sent a check to Discover - written for XXXX. They denied ever getting approval to send it but sent it anyway. XXXX and I resent the transfer request. XXXX " we got it and everything looks good, the transfer will be in XXXX business days ''. XX/XX/XXXX " We don't have your paperwork, you need to send it again. '' It's been 3 months. I am not getting interest while Discover is. There is no reason nor need to request the same paperwork every couple of weeks, deny it is there ( DESPITE ME SEEING IT IN THEIR EMAIL TRAIL and getting confirmations ). This is illegal on their part now and I want it resolved by this Friday XX/XX/XXXX. Period. I want XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, all brought up on conspiracy and illicit misuse of funds. I want Discover to give me all of the interest it earned holding my check. It should not take 3 months and 32 calls to get something done that a chimp can do blindfolded and drunk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing this complaint regarding a collection account that has appeared on my credit report which I do not recognize and have no knowledge of. It is extremely frustrating and distressing to suddenly discover a debt that is unverified and does not belong to me. I have also been receiving repeated communications through multiple platforms regarding this alleged debt, including threats of possible legal action. This situation is deeply concerning and feels like harassment, especially when the debt in question is not mine. As a law-abiding consumer, having my rights violated in this manner is both insulting and harmful, and the stress from this situation has begun to affect my well-being and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am submitting this complaint regarding the reporting of late payments on several of my credit accounts. In XXXX I attended trucking school in order to improve my career and financial stability. During that time, I was not working and had to rely on my credit cards to cover living expenses such as food, transportation, and other necessities. Unfortunately, this temporary hardship caused several of my accounts to become past due and eventually reach 120 days late. After completing trucking school and returning to stable employment, I made a large lump sum payment and paid the accounts off. Since that time I have remained current and have not missed any payments. My payment history since then reflects responsible financial behavior. I have attempted to dispute these late payment marks with the credit bureaus, but my disputes have been denied. I am requesting a goodwill review of these late payments due to the temporary hardship I experienced while investing in my career through trucking school. The accounts have been resolved and paid, and I am trying to maintain responsible credit going forward for my family and future home ownership. I respectfully ask that these late payment marks be reconsidered or removed as a goodwill adjustment so that my credit report can better reflect my current positive payment history and financial responsibility. Thank you for taking the time to review my situation. Capital One XXXX account- XXXX XXXX XXXX XXXXXXXX. Capital one XXXX account- XXXX XXXX XXXX They Show Up after the months of course because I used them During School which was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XX/XX/XXXX, Capital One charged interest after an annual fee was not paid within the same billing cycle. I contacted Capital One, and they credited the interest, acknowledging the issue. After the interest credit was applied, I paid the remaining balance in full before the due date. At that point, the account had no unpaid balance subject to interest. Despite this, Capital One continued charging interest every month starting in XX/XX/XXXX, even though the balance had been corrected and paid. Interest continued to accrue through XX/XX/XXXX, including a charge of {$73.00} for the XXXX XXXX billing cycle. The total interest improperly charged is now {$220.00} and continues to increase. On XX/XX/XXXX, I contacted Capital One and requested that the ongoing interest be waived, since the account had been paid in full and the original interest had already been credited. Capital One refused, stating that the credited amount did not count toward the month in question. As a result, Capital One continues to treat the account as if interest is owed, even though the balance that originally caused the interest was corrected and paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This complaint is a continuation of my previous CFPB complaint ( XXXX XXXX. XXXX ) regarding Midland Credit Management . After the complaint was filed, Midland responded through the CFPB on XX/XX/year> stating they needed additional time to investigate. More than 30 days have passed and they have not provided any documentation validating the alleged debt. I previously sent a written dispute and pre-litigation notice via certified mail on XX/XX/year> requesting full validation of the account. Midland later sent a letter dated XX/XX/year> claiming the account was verified as accurate, but no documentary evidence was provided and additional inconsistencies remain. Because Midland has failed to validate the account and continues reporting disputed information, I am submitting this complaint as a continuation of Case No. XXXX. My most recent correspondence to Midland is attached.

Company response to consumer: Closed with non-monetary relief