vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom Mortgage transferred my loan to XXXX XXXX in XX/XX/year>. XXXX now notified me that my escrow is over {$3000.00} negative and my payment will increase over {$300.00} a month. I logged into Freedom Mortgage and found a {$3600.00} charge to my escrow for * forced placed home insurace * in XXXX right before they transferred my loan. When I called on XX/XX/year> they transferred me multiple times and then i was on the line with someone from the escrow department and someone from the insurance department. The insurance side stated that they had reimbursed the funds on XX/XX/year> but the escrow person argued on the phone while i listened that no reimbursment was ever sent. Then i asked for a supervisor as they kept arguing. When i was transferred the man names XXXX ( did not give me his worker number ) who stated that they reimbursed half but since it was sent when my loan was transferred he couldn't confirm that it ever went. He informed me that he would look into it and call me on the morning of XX/XX/year>. He did not call me today and so I called XX/XX/year>. XXXX XXXX and XXXX XXXX from the insurance department stated they just refunded me {$1200.00} on XX/XX/year>. When I asked where that went they said they " couldnt tell me ''. Since this is only a fraction of the {$3600.00} i asked to speak to a supervisor. When i was transferred the new person XXXX XXXX stated that because my account is closed she can not look into the information. She wanted me to send proof of the forced insurance. I told her I don't have proof of this * forced insurance * as nothing was ever sent to me. I only have the Closing escrow statement from their bank showing they charged me for * Forced Place Home Insurance *. She had me go to XXXXfreedommortgage as she states they can not reimburse when they dont have proof of the policy that THEY charged me for and when it was charged. When i go to that website it states * ERROR no loan found * and then she confirmed she can not pull it up on her side either. Then she tells me that unless i can provide proof of the forced insurance showing when it was charged and for what coverage dates then they would not help me.

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 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: PatientFi, Inc.
State: PA

Complaint narrative:
I believe the late payment reporting on this account is inaccurate and does not properly reflect my payment history. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( a ) and 1681s-2 ( b ), furnishers of information are required to report complete and accurate information to consumer reporting agencies. I respectfully request that you : Conduct a thorough investigation of this account, Review all payment records associated with the alleged late payment, Correct or remove any inaccurate reporting being furnished to XXXX XXXX XXXX XXXX, and Provide written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Car Care chaged me a " payment security '' fee of {$17.00} and when I contected them to dispute the charge they said they couldn't dispute the charge and to call theit payment security number. I called up the security number and was told I signed up for it during application process, which, I know for a fact I did not sign up for this as all insurance on cards do not provide protection. Synchrony bank did this same thing when I opened my XXXX XXXX card and Care Credit Card, but I was able to remove the payment security online, now the website, https : XXXX, is giving me a " XXXX Failed '' error. This error happens in XXXX, XXXX, and XXXX browsers and across 3 different computes with cleared browser caches. Attached is a screen shot from the dispute department telling me they can not help me. When I called, the associate, XXXX, was very rude when I told her and implied I was an XXXX in the application process, at which point I reminded her that I had 5 accounts with Synchrony, and all 3 accounts they did this with and 2 of them I was able to solve on my own. At which point she said she couldn't see the charge on my account, but it is hard posted to my account. She did say she " cancelled '' the service and when I asked for verification, she hung up on me. This complaint is for the principal that Synchrony is doing shady practices on the application process, because 3 cards with them and 3 times I know I unchecked the insurance option but yet they still charge the insurance and made it harder with " website coding errors '' to remove the insurance with rude associates giving lies and no verification of what they provde to their customers.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am an XXXX seller and I received an XXXX payout deposit of {$110.00} into my Chase Business Checking account on XX/XX/XXXX. This payout was incorrect. It should have been {$430.00}. The difference, {$320.00}, was refunded to the buyer after they opened a return request. The refund was issued on the condition that the buyer return the merchandise, but the buyer never returned the item, never provided tracking, and stopped responding. XXXX closed the return case and informed me that they could not assist further. XXXX specifically instructed me to contact my bank and dispute the payout deposit, since the buyer kept both the merchandise and the refund. Because the buyer never returned the item, I am also out the original inventory cost of {$120.00}. My total financial loss is {$450.00}. I contacted Chase to dispute the XX/XX/XXXX deposit, but Chase has been unable or unwilling to help. I have been transferred more than XXXX times between different departments ( fraud, card disputes, ACH, general support, supervisors ), and no one has been able to open a dispute or direct me to the correct team. Chase representatives repeatedly stated they could not assist, even though this is a dispute involving a fraudulent underlying transaction within an incoming deposit. I am requesting CFPB assistance so that Chase will escalate this to the correct internal department and allow me to dispute the fraudulent portion of the XX/XX/XXXX deposit. I have documentation showing the sale, the refund, the buyers failure to return the merchandise, XXXX closure of the case, and XX/XX/XXXX instruction to dispute the payout with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In XX/XX/XXXX I began a formal loan modification process with my mortgage servicer. For nearly XXXX year I was repeatedly asked to resubmit the same documentation with no resolution. Each time I called I was told they were waiting on private investors to approve my loan. No consistent point of contact was assigned to my case. On XX/XX/XXXX I received a denial letter rejecting all loss mitigation and home retention options including a Trial Modification, Deferral Plan, and Repayment Plan. The Trial Modification was denied stating an affordable payment could not be created but no calculation or breakdown was provided. The Deferral Plan and Repayment Plan were denied citing only the servicing agreement with no supporting documentation or specific investor guidelines provided. I am an owner-occupied homeowner who has continued making payments throughout this process. I am currently approximately XXXX months behind. My financial hardship was caused by business losses exceeding {$100000.00} resulting from clients who did not pay during XXXX recovery. I am requesting the CFPB investigate the servicer 's pattern of delay, the adequacy of their denial explanations, and require a good faith review of my modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
I have a VA home loan with Rocket mortgage. They failed to incorporate certain taxes when creating the monthly mortgage cost for my loan and did a spontaneous escrow analysis in XXXX to restructure my mortgage to make up for their discrepancy. Doing this raised the cost of my mortgage from {$2400.00} to {$2900.00} a month. Totaling in a monthly increase of roughly {$540.00}. So because of their shortcoming they adjusted my cost all without informing me. The only reason I know about it is because I noticed the change in cost when attempting to make a payment. I have since tried to resolve the issue with them but have not received any contact

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
I took out a loan with TitleMax in XX/XX/XXXX while facing financial hardship after losing work due to contracting XXXX, which ultimately contributed to my eviction and need to secure new housing. From the inception of this loan, I was never able to successfully access or create an online account through TitleMaxs payment system. Because of this, I was unable to review my contract terms, monitor my balance, or make payments online. Despite repeated attempts, I remained locked out of the system for the duration of the loan. This prevented me from making what would have otherwise been good faith payments toward the account. In XX/XX/XXXX, I received a phone call from a representative advising me that my vehicle was facing repossession. During that conversation, I explained that I wanted to pay the loan in full immediately in order to recover my title and remove myself from the loan entirely. I specifically asked the representative, I want to pay this loan in full today. How much do I need to bring in? I was told the total amount due was approximately {$1100.00}. After receiving that information, I contacted a friend who agreed to loan me the funds necessary to satisfy the loan in full so I could recover my title and avoid repossession. I then returned to the TitleMax office with cash in hand expecting to pay off the loan entirely and receive my title back. However, once inside the office, I was informed that the actual payoff balance was approximately {$2600.00} and that I still had XXXX payments remaining. This directly contradicted the payoff amount I had been provided over the phone when I explicitly asked for the full balance required to pay the loan off that same day. At no point during this loan was I provided reliable access to my account information, balances, payment history, or full loan terms through the online system. I believe the company failed to properly disclose accurate payoff information and failed to provide reasonable account access necessary for consumers to manage their loans. TitleMax has since repossessed my vehicle. I now live approximately XXXX miles from my workplace and no longer have transportation, creating additional financial hardship and jeopardizing my employment. I am requesting that this matter be investigated, including the inaccurate payoff information provided to me, the inability to access my account or make payments online, and the companys handling of my loan and repossession process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered a fraudulent personal loan transaction under my Affirm account. Since it was during the weekend, I had to wait until Monday, XX/XX/XXXX to contact Affirm and report the fraud. On XX/XX/XXXX, I also reported the issue to XX/XX/XXXX and placed a fraud alert on my credit profile for security purposes. After contacting Affirm, they removed my access to the account due to security reasons and informed me that the loan had supposedly been issued by an entity called XXXX, which obviously appears to be fraudulent and not legitimate. I was told that an extensive investigation would be conducted and that it could take several weeks to complete. However, I was literally contacted the very next day and, without any meaningful explanation or proper investigation details, I was simply told that I was responsible for paying the loan, despite the fact that I never requested, authorized, or benefited from that transaction in any way. This is also not the first time I have been forced to pay for fraudulent charges or transactions that I did not authorize. I believe Affirm failed to properly investigate this case and did not provide adequate consumer protection regarding identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: MA

Complaint narrative:
Account Information : {$470.00} Account Balance : {$110.00} Opened XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
Bridgecrest is not reporting correct information to the consumer credit bureaus. There are many inconsistencies and reporting irregularities that warrant a full investigation and verification between all 3 bureas according to the FCRA. The concerns include but are not limited to : Inconsistent reporting chronology between credit bureaus Variations in payment history and account status reporting Continued balance/payment activity reporting following account closure and repossession status Inconsistent derogatory timeline reporting Potential inaccuracies regarding delinquency progression and reporting dates Questions regarding completeness and consistency of historical account data being furnished. Because of these inconsistencies, I am requesting a full investigation and verification of the information being furnished concerning this account, including : Complete payment history records Date of first delinquency verification Verification of repossession reporting accuracy Validation of balance calculations and deficiency balance reporting Verification of account closure reporting Verification that all information furnished to each bureau is complete, accurate, and consistent. If any portion of the reporting can not be fully verified as accurate, complete, and compliant with FCRA furnishing requirements, I respectfully request that the inaccurate, inconsistent, incomplete, or unverifiable information be corrected or removed accordingly. I also request that all consumer reporting agencies receiving furnished data on this account be updated to reflect any corrections resulting from your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I started home wifi service & cell phone service on XX/XX/scrub> 2026 with XXXX XXXX at a retail store. XXXX policy is that the customer hasXX/XX/XXXX days to return & end service if not satisfied. I was never able to receive wifi service in a full week, so requested to return the equipment & end service on XX/XX/year>2026. I received a mailing label dated XX/XX/scrub> 2026 and returned the XXXX wifi modem & cell phone in the original XXXX XXXX on XXXX XXXX, 2026 at the XX/XX/XXXX Store at XXXX XXXX XXXX, XXXX XXXX IL XXXX with tracking verification. In spite of my records, tracking receipt & written statement from the XXXX corporate store that XXXX received the equipment, I have been billed by XXXX for {$360.00} monthly since XX/XX/year>2026 which was turned over to XXXX collections on XX/XX/year>2026. I spoke to XXXX agent XXXX XXXX on XX/XX/scrub> 2026 & notified XXXX that I disputed the debt & would continue to pursue legal alternatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: TN

Complaint narrative:
They called me around XXXX to address the debt. I spoken with them and explain I was insured or member party was insured. They tried to collect on a medical bill that was my wife not mine would not give me any info since she was the medical patient and then kept saying I was responsible but would not give me any info. When my wife spoke to them they said I was the XXXX responsible on paperwork and she didnt have insurance. At the time k was insured with XXXX and I had to gather all the info to give to the original creditor. They said they would call the collection company and remove it once they speak with the insurance company. Ability recovery however bought the debt and the debt was settle thru insurance with the original ceditor. They called me today insulted me on the phone. I explain to them the issue with the phone the lady was rude and hang up the phone on me. They said they will not the call the original creditor and that they didnt care what I had to say nothing is changed and demanded proof when I had asked for them to validate the debt. They never send any proof of validation prior to it but said they had sent it on the phone today XX/XX/XXXX. I called back to ask more question as have you tried to contact and was told to shut up and hang up and to pay the debt.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The debt below was added only to my Equifax Credit Report. I disputed because this is not a debt owed by me with Equifax. My final bill with XXXX was {$530.00}, which is currently on my report. I have not had their insurance since. Neither Equifax nor XXXX has sent me confirmation of this debt, which I requested through the dispute. Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$670.00} Amount {$670.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On Friday, XX/XX/XXXX, around 8 p.m., I noticed that there was some activity in my account. Someone was trying to withdraw money out of an ATM in California, and unfortunately, I didn't have enough time to lock my account. I immediately disputed the ATM withdrawal of {$330.00}. I changed my PIN. I logged out of all my devices. XXXX days later, I got a message saying that they denied my dispute because they said, basically, that since my card wasn't reported stolen, that I allowed or authorized the use of the ATM withdrawal, which is completely false. I am now in the process of appealing the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NV

Complaint narrative:
I am a XXXX and have 20 + years of qualifying employment and payment history. My servicer, Mohela, has failed to report payment history from XXXX after being asked for the last 4 years to do so. FSA needs my payment history to forgive my loans under PSLF. Mohela 's failure to report my loan history accurately to FSA is a violation of my consumer rights. I am requesting a manual audit of my account. I have waited patiently for 4 years now and this is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
PLEASE REMOVE FRAUDULENT ACCOUNS-XXXX XXXX XXXX XXXX XXXX XXXX AND INQUIRIES XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX FROM MY CREDIT REPORT.

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