vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
I am filing a formal complaint against Rocket Mortgage for direct financial harm resulting from an unperformed loan process and lack of transparency. I initially attempted to refinance my home loan directly with Rocket Mortgage. Due to severe, ongoing delays on the company 's part, I had to abandon the application and transition my business to a separate broker, XXXX XXXX, to complete my financing before my rate locked out. I was informed that in order to release and transfer the completed appraisal report that Rocket Mortgage had already conducted, I was required to pay Rocket Mortgage out of pocket. I paid Rocket Mortgage {$720.00} directly via my debit card, which was successfully processed on XX/XX/year>. However, after the appraisal was transferred to the new lender, the transaction completely collapsed because the new broker entirely missed the contractually stipulated closing due date. Because I paid Rocket Mortgage {$720.00} for an appraisal meant to finalize a refinancing process that ultimately went completely unperformed and had to be entirely abandoned, the paid appraisal product is now completely useless to me. I am demanding full restitution and a refund of the {$720.00} appraisal fee directly from Rocket Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Northstar Location Services, LLC
State: NJ

Complaint narrative:
b'I am filing this complaint against NORTHSTAR LOCATION SERVICES, LLC (Ref #XXXX) for ongoing violations of the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692 et seq., regarding their collection of a XXXX XXXX XXXX / XXXX XXXX Card account (Account #XXXX, ending in XXXX).\nKey Facts:\n\nOn XXXX XXXX XXXX, I sent a timely written validation request under FDCPA 1692g.\nNORTHSTARs XXXX XXXX XXXX response was grossly inadequate (only 13 months of statements out of a ~67-month account history).\n\nOn XXXX XXXX XXXX, I sent a final dispute and demand to delete.\n\nOn XXXX XXXX XXXX, I sent a detailed Cease & Desist / Validation Failure / Misrepresentation Violations letter.\n\nOn XXXX XXXX XXXX, I sent a follow-up Cease & Desist / Misrepresentation Violations (R3) letter via certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX delivery was confirmed via USPS return receipt (green card attached).\n\nTo date, NORTHSTAR has completely failed to provide the required validation documents, including:\n\nSigned cardmember agreement\nFull itemized ledger from account opening (~XXXX XXXX)\nComplete chain-of-title / assignment documents\nCustodian affidavit\nSecuritization documents (XXXX XXXX XXXX XXXX, etc.)\n\nNORTHSTAR continues to report this unvalidated debt to the credit bureaus. This violates FDCPA 1692g (failure to validate), 1692e (false or misleading representations regarding the debts amount, status, and ownership), and 1692f (unfair practices).'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
contract callers Inc. Are reporting that I owe {$470.00} to the credit bureaus and have told them multiple times. This debt does not belong to me also to send me proof which they have done either. Can you you please contact them and have them resolve this situation and remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MD

Complaint narrative:
Letter sent on XX/XX/year> states : We have readon to believe that a credit card has been opener with your name and personal information. It was opened on XX/XX/year> However, I actually opened a business account that was manually reviewed and approved. The credit card in focus had already been open for 2 years. The moment I paid the balance, they removed the card from my online banking and also froze the newly opened business account. I called on XX/XX/year> after receiving the letter and a representative sent me a verification link to verify my drivers license. She then said the card would remain closed but gave no reason why or opportunity to verify an extra documentation. The letter sent assumes I am a victim of identity theft, when I am clearly telling them Im not.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc.
State: GA

Complaint narrative:
ROZLIN FINANCIAL GROUP INC are reporting that I owe {$320.00} to the credit bureaus and have told them multiple times. This debt does not belong to me also to send me proof which they have done either. Can you you please contact them and have them resolve this situation and remove 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 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I am filing a formal complaint against Credence Resource Management regarding an invalid collection. This agency placed a collection account for {$490.00} on my XXXX credit report with an open date of XX/XX/XXXX. This debt originates from a previous XXXX account that I closed and walked away from around mid-to-late XXXX. All leased hardware was returned via USPS at that time. Neither XXXX nor Credence Resource Management XXXX XXXX a final bill, warning, or written FDCPA Debt Validation Notice to let me know a balance was due. I only discovered this debt when my credit score dropped. I dispute the validity of this debt in its entirety. Because the equipment was returned, the account has been closed for a year, and proper statutory notice was withheld, I demand that Credence Resource Management immediately close this collection account and delete the trade line from all credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
XXXX XXXX - {$300.00} Calls to the company XXXX XXXX - {$400.00} Calls to the company XXXX - {$200.00} XXXX XXXX - {$2200.00} XXXX - {$300.00} XXXX - {$700.00} XXXX - {$500.00} XXXX - {$700.00} XXXX - {$1000.00} XXXX XXXX - {$200.00} XXXX XXXX - {$700.00} XXXX - {$700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I am filing a consecutive complaint against Wells Fargo for bad-faith handling of my fraud claim ( # XXXX ) for {$6700.00}. This is a direct escalation of my previous CFPB Complaint ID : XXXX. THE BANK IS DENYING ME MY RIGHT TO MY MONEY. Under Michigan law, local county jail stays for individuals awaiting trial are tracked via county court dockets, not the state XXXX XXXX database. I have attached official court records that definitively establish my custody timeline image 1 shows that my BOND WAS SET at {$20000.00} on XX/XX/year>, proving I was arrested, booked, and held in custody by this date. image 2 shows the official court action : 'PRETRIAL RELEASE ORDER GENERATED. ' This is the legal order that authorized my physical release from the county facility. The unauthorized transactions occurred while I was held between the date my bond was set and the date this pretrial release order was generated. Because my phone was left at my residence while I was held under this court order, it was physically impossible for me to make these transfers. Wells Fargo 's executive office is acting in bad faith, ignoring official court docket terminology, and violating Regulation E to keep my funds locked away. Furthermore, the bank is actively attempting to blame consumer negligence ( leaving a phone accessible at a residence ) to evade liability, which is a direct violation of 12 CFR 1005.6 consumer liability protections. I demand that the CFPB review the bank 's deceptive claims across both complaints and order the immediate return of my {$6700.00}.

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 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
IN XX/XX/XXXX I REQUESTED MY ESCROW ACCOUNT WITH ROCKETMORTGAGE BE CLOSED AND BALANCE REFUNDED TO ME. MY ESCROW ACCOUNT BALANCE WAS {$6900.00}. ON XX/XX/XXXX THEY SAY THEY ISSUED ME A CHECK AND MAILED TO ME. NO CHECK EVER ARRIVED. THEY WERE UNABLE TO PROVIDE A TRACKING NUMBER. I WAITED THE 20 DAY PERIOD AND REQUESTED THEY SEND A NEW CHECK. CSR TOLD ME THEY DID SO. HOWEVER TODAY XX/XX/XXXX I AM TALKING TO DIFFERENT CSR THAT SAID BOTH OF MY REISSUE REQUESTS WERE DENIED FOR UNEXPLAINABLE REASONS. A FEW WEEKS AGO I SENT AN EMAIL TO THEM WITH A COPY OF A VOIDED CHECK TO HAVE MY FUNDS WIRED OR ACH 'D ( PER THEIR REQUEST ). STILL TODAY THEY HAVE NOT BEGUN PROCESSING THAT REQUEST. THEY ARE REQUIRED TO RETEURN MY MONEY WITHIN 20 DAYS, IT HAS BEEN OVER XXXX, WITH NO URGENCY OR END IN SIGHT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I went to buy a car, they went over my credit report with me I noticed something fraudulent, I didnt recognize the closed account on 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 explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/XXXX MOHELA recorded my Social Security Number incorrectly at loan origination for my XXXX private student loan account. This error prevented me from accessing my account through any channel including the online portal, new account creation, and the phone verification system for the entire duration of my delinquency. I attempted multiple times to access my account and received error messages stating no account could be found despite receiving billing statements at my address. I submitted a Qualified Written Request via XXXX XXXX Mail on XX/XX/XXXX which was confirmed delivered XX/XX/XXXX. MOHELA never responded in writing within the legally required 30 day timeframe. On XX/XX/XXXX, a MOHELA representative verbally confirmed for the first time that the SSN on file is incorrect. Their recording error prevented me from making payments online, calling in to manage my account, and enrolling in forbearance or hardship assistance programs. As a direct result, my account has now exceeded 90 days delinquent and is approaching default in XX/XX/XXXX entirely due to their servicer error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX * * * * is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NJ

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
hello, I booked a stay at XXXX XXXX XXXX through XXXX XXXX for XX/XX/year>, and specifically reserved the XXXX XXXX XXXXXXXX XXXX Unfortunately, the room we received was completely different from the room type that was advertised and booked. The room did not include the river jump platform, which was a key feature and one of the main reasons we chose this XXXX XXXX. My daughter was extremely disappointed, and this significantly impacted our vacation experience. We attempted to resolve the issue directly with the hotel during our stay, but no satisfactory solution was provided. Since the room delivered did not match the room we paid for, I am requesting a refund of the {$2000.00} price difference between the XXXX XXXX XXXX we booked and the room we actually received. I would appreciate your prompt attention to this matter and look ward to resolving this fairly. Thank you

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 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Open my bank account about two months ago with Fulton Bank ever since I opened up my bank account been having nothing but issues most recently last Thursday, XX/XX/year> I went to XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX branch in regards to a matter with a issue with the dispute upon further investigation by the assistant branch XXXX, XXXX it was brought my attention that my phone and bank account had been hacked that showed my IP address was popping up in different states. Therefore, my account was frozen went to the bank today. XX/XX/year> was advised during the period of my bank company in frozen. There was apparently a transaction taken out of my account. I asked for the assistant branch XXXX or branch XXXX. The associate helping me became very rude and ignorant, kept sucking her teeth and having an attitude and claimed, I wasnt listening to her when she kept telling me that on there an issue that the transaction was pending taken out of my account today and I told her how as a transaction taken out of my account if its frozen she said youre not listening. I said, give me your branch XXXX or assistant branch XXXX. Please kept claiming they were busy at the numerous of attempt to get them. She went and got the assistant branch XXXX, who came out at I advise them that I wanted my money out of my account when I got home I spoke with a supervisor from debit card to dispute department to see what where my next steps to receive a provisional credit to my account since my account was closed, was told to speak with the branch about opening my account back up for the provisional credit to go on my account once it went into my account, take it out and then re-close the account call the branch back asked to speak with the branch XXXX at about XXXX oclock this morning just called back about five minutes ago was on hold for five minutes. Branch XXXX didnt get on the phone very unhappy and unsatisfied with this bank employees are very unprofessional. Dont do their job until I say Im going to call local police department and file a fraud report or contact you guys CFPB XXXX The way I was treated as a customer and a person was very unacceptable especially when I was told that my account was frozen, but there restore transactions taken out of my account. No help at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bilt Technologies, Inc.
State: MN

Complaint narrative:
I am filing a complaint regarding unauthorized credit card charges associated with my account with Bilt Rewards. While reviewing my account history during an unrelated billing investigation, I identified three separate charges from BPS * BILT RENT XXXX XXXX XXXX that I do not recognize and did not authorize. The unauthorized credit card charges are : * XX/XX/XXXX {$89.00} * XX/XX/XXXX {$68.00} * XX/XX/XXXX {$32.00} The total disputed amount is {$180.00}. On XX/XX/XXXX I contacted Bilt and requested investigation and reversal of these unauthorized charges. After waiting XXXX days for a response, I was told only to contact another Bilt department ( Bilt Rewards ) rather than receiving any substantive investigation, explanation, or resolution. At this point, I am requesting that Bilt : * Conduct a formal investigation into the unauthorized charges * Provide a full accounting and explanation of these transactions * Refund all unauthorized charges totaling {$180.00} ; Issue reimbursement via an expedited physical check mailed to my address on file rather than a statement credit, as I am canceling my Bilt account due to these unauthorized transactions and ongoing account servicing concerns * Confirm whether my payment information or account credentials were improperly used or mishandled Given the prior account servicing and billing issues I have experienced with Bilt, I am also concerned about the accuracy and integrity of their transaction processing and account management systems. I am attaching supporting account statements documenting the disputed charges as well as my correspondance with Bilt on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
I filed a dispute of XX/XX/XXXX and XX/XX/XXXX and then submitted new evidence on XX/XX/XXXX and XX/XX/XXXX the total dispute amount for the first one was XXXX and the second one was XXXX current bank denied both disputes it wasnt even a total XXXX hours that they denied it even with police report FTC report CFPB report and merchant evidence as in messages from the merchant, and the person helping me only submitted XXXX of the merchant evidence as an appeal, but not all of them and completely cut me off the bank is saying that they can not dispute the fraudulent activity or transactions due to them only being allowed one time for an appeal, but I did not ask for the XXXX documents sent to be appealed without the rest of the documents I had which was about XXXX total they keep telling me that they can not dispute this fraudulent activity, but I did not make these transactions in my card was stolen and I have all the proof and documents I have talked to a XXXX ( supervisor ) and XXXX and a XXXX and XXXX and an XXXX they all gave me different answers and different information. Some of them said that I could appeal and some of them said I couldnt appeal after one time and one of them said that I couldnt do anything at all. This whole situation has been a mess and all I want is my money back from fraudulent activity, especially since I provided all proof in all documents as possible.

Company response to consumer: Closed with explanation