vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 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: Fay Servicing, LLC
State: MA

Complaint narrative:
I am submitting a follow-up complaint regarding Fay Servicing , LLCs handling of my loss mitigation application and their prior response to CFPB Complaint ID XXXX. While the company stated that my application was reviewed and that no options were available, their response did not provide a clear, complete, or verifiable explanation of how that determination was made. Specifically, the company relied on generalized and non-transparent statements, as reflected in their written response, without providing sufficient detail to allow independent verification of the evaluation, including : - That certain options are not available in my state, without identifying whether this is due to specific state law, investor-imposed restrictions, or internal policy, and without citing any governing basis that would allow this determination to be independently verified - That investor guidelines are proprietary, without explaining how my financial information was evaluated against those guidelines - That my property value exceeds the unpaid principal balance, which appears to have been used as a blanket basis to deny all foreclosure prevention options These statements do not provide sufficient detail for me to meaningfully understand, verify, or challenge the outcome of the evaluation. Additionally, the company did not clearly demonstrate that all available loss mitigation options were reviewed in accordance with applicable mortgage servicing standards. The lack of transparency raises concerns as to whether a complete and reasonable evaluation was conducted. Without a transparent explanation of the methodology used, I am unable to determine whether the evaluation was performed consistently with required servicing obligations or whether relevant options were appropriately considered. Given that my loan has been referred to foreclosure and no sale date has been scheduled, the absence of a verifiable and clearly documented evaluation directly impacts my ability to make informed decisions regarding my property. At this time, I am requesting : - A detailed explanation of the evaluation methodology used - Identification of all loss mitigation options reviewed and the specific criteria applied to each - Clear, case-specific reasoning for the denial of each option - Clarification of any state-based or investor-based restrictions cited in the decision - Confirmation that the evaluation complied with all applicable servicing requirements This complaint is being submitted due to the companys failure to provide a clear and complete response in the prior complaint and my continued inability to obtain a transparent and verifiable explanation of my available options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am disputing an unauthorized credit card charge. While in XXXX, I purchased four pharmacy items with visible price stickers totaling XXXX pesos. The merchant did not show me a total before charging my card, took my card out of sight, and manually keyed in the transaction. I did not sign a receipt and was not given a receipt at the time of purchase, even though I asked for one. I immediately discovered the charge through my USB online account- I was charged approximately XXXX pesos ( ~ {$1500.00} USD ), which is approximately ten times higher than the amount I agreed to. I returned to the pharmacy immediately with my daughter ( age XXXX ), who witnessed the transaction, and brought the items with their price tags showing approximately XXXX pesos total. The merchant refused to refund the overcharge or accept the return. Only after I demanded a receipt and threatened to contact police did she provide a receipt showing just a total of XXXX pesos. I have photographic evidence of the items and price tags, and an XXXX receipt confirming I returned immediately after discovering the charge. Despite this evidence, U.S. Bank denied my dispute due to lack of itemized receipt. Itemized receipts are not standard in XXXX, they are keyed in, and this is not a receipt issue it is an unauthorized amount and overcharged amount of {$1400.00} USD. I am requesting a full re-investigation and reversal of the unauthorized portion of this charge.

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 2026-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: Affirm Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/year>, I used affirm to complete a transaction for coach.com, in the amount of {$120.00}, to be paid off over 6 months with interest at {$22.00} per month. On XX/XX/year>, I used affirm to complete another transaction, in the amount of {$410.00} to be paid off over 12 months with interest. On XX/XX/year>, I drove to the coach outlet store located in XXXX, KY where, I returned the purse in my order from XX/XX/XXXX. It was to be a full refund, and therefore, I wouldnt owe any interest because it would be fully refunded. I received email confirmation from coach that the return was completed, however I never received any emails from affirm to confirm that my money would be returned. When I attempted multiple times to dispute the transaction, it gave me multiple rejections and system errors and would not allow me to report the item as returned, nor dispute the purchase. Last night on XX/XX/XXXX, at XXXX XXXX, I spoke with affirm customer service for XXXX minutes because it was still showing that a payment plan was in progress, where they claimed they couldnt match the refund, so they applied the refund balance to the {$410.00} purchase. They claimed that they sent an email asking me to confirm, but I never received any email. I have checked every folder, between spam, deleted, archive, and junk and there was no trace of any email from affirm asking me to confirm the account in which I was to be refunded. I reached out again today, via chat, and asked that they move the balance from the loan account they incorrectly applied it to, and reapply it to the actual account, and they refused claiming that I never responded to an email that never came, and so I would still have to pay interest on the item that was returned in full. I want to reiterate that there was NO email, or contact, besides the junk emails they keep sending, that I click unsubscribe for each time, yet they still keep sending them. I have not physically blocked any email addresses from affirm, so the only thing I can think of is that if they did attempt to contact me, they used an email address that their system isnt allowing to go through because of my MULTIPLE attempts to unsubscribe from their spam emails, that keep coming anyways. Regardless, it is unethical and illegal for them to apply it to the wrong account without having verified with the actual company that they were applying the balance to the correct purchase, and definitely unethical for them to be refusing to fix their mistake and still charge me interest. I want to report this activity so that Affirm can be investigated, because I have a feeling that this may be a frequent occurrence of a loophole to scam customers into paying more money to them in interest with the looming threat of reporting any failure to pay to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems is reporting a collection account, Account XXXX, on my XXXX XXXX and XXXX credit reports for {$6600.00}, listed as originating from XXXX XXXX. National Credit Systems has not validated Account XXXX. I have not received the original signed agreement with XXXX XXXX, documentation establishing National Credit Systems ' legal right to collect this debt, or an itemized breakdown of the {$6600.00} balance including all fees, charges, and penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BSI Financial Holdings, Inc.
State: WI

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am submitting this complaint regarding an inaccurate 30-day late payment that has been reported on my credit report by my mortgage servicer BSI Financial XXXX XXXX Account Number - XXXX My mortgage payment was made via ACH electronic transfer and was successfully initiated and received one day prior to reaching 30 days past due. However, the servicer did not process or post the payment until the following day and has reported the account as 30 days delinquent to the credit bureaus. Under 12 C.F.R. 1026.10 ( a ), a creditor is required to credit a payment as of the date of receipt : A creditor shall credit a payment to the consumer 's account as of the date of receipt My ACH payment was received before the 30-day delinquency threshold. The servicers internal processing delay does not change the date of receipt and should not result in negative credit reporting. I fulfilled my obligation by submitting payment before the account became 30 days past due. This is the second time this servicer has wrongfully reported me 30 days late under similar circumstances. During the first occurrence, I notified the servicer and requested correction. The first time the correction was made. This time, despite providing proof of timely payment, the servicer has refused to correct the reporting. The continued pattern suggests either a systemic issue to properly apply federal payment crediting requirements. This inaccurate reporting has negatively impacted my credit profile and is both unfair and noncompliant with federal regulations. I respectfully request : 1. Immediate correction of the inaccurate 30-day late reporting with all 3 credit bureaus. ( XXXX XXXX XXXX ) 2. Written confirmation that the correction has been made. 3. A formal review of the servicers ACH payment processing and credit reporting practices to ensure compliance with 12 C.F.R. 1026.10. 4. An explanation as to why timely received ACH payments are not being credited as of the date of receipt. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: CA

Complaint narrative:
Trying to get an apartment and this pop up on my credit accounting to15 U.S.C. 1681 there shouldnt be any damages on my report I am writing to dispute the following information in my file. This item IQ DATA XXXX is interfering with me moving forward with stability for my children Under 15 U.S.C. 1681i, I request that you investigate this matter and delete or correct the item immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: FL

Complaint narrative:
I am disputing the accuracy of the XXXX account on my credit report. The payment history and account details appear to be inaccurate and/or incomplete. I request a full investigation into this account, including verification of the reported late payments, balance, and charge-off status. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. If this account can not be properly verified, it must be removed. Please investigate and correct or delete this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I had a promotional financing balance on my Comenity Capital Bank/Zales account that was due to expire in XXXX. I made payments in XXXX to pay off the promotional balance early. I also had autopay enabled on my account. After my XXXX payments, the system showed no payment due for XXXX, and autopay did not process. I relied on this account information and did not intentionally miss any required payment. Additionally, I contacted Comenity in XXXX regarding my promotional balance and was instructed to call back in XXXX. I followed that guidance. A supervisor has reviewed the recorded call and confirmed what was discussed. In XXXX, I made a double payment, yet autopay still processed again in XXXX. This inconsistent autopay behavior further demonstrates issues with how payments were handled on my account. Despite this, I was charged {$1800.00} in deferred interest related to the promotional balance. I believe this is unfair because I acted in good faith, relied on Comenitys system and representative guidance, and the promotional balance was still within its promotional period ending in XXXX. I am requesting a full reversal of the deferred interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: Bilt Technologies, Inc.
State: CA

Complaint narrative:
During the XXXX XXXX to Bilt XXXX transition in XX/XX/XXXX, Bilt initiated a balance transfer of {$8600.00} to XXXX XXXX on XX/XX/XXXX. However, my pre-scheduled XXXX XXXX autopay of {$4300.00} had already cleared from my XXXX XXXX XXXX checking account on XX/XX/XXXX two days earlier. I had no ability to cancel this pre-scheduled automatic payment. As a result, XXXX XXXX received {$4300.00} twice. XXXX XXXX recognized this as an overpayment and issued a formal Credit Balance Refund of {$4300.00} on XX/XX/XXXX, which was deposited back to my Bank XXXX XXXX account on XX/XX/XXXX. The refund took 26 days consistent with a Credit Balance Refund, not a returned ACH which would return in XXXX days. Key dates : XX/XX/XXXX : {$4300.00} debited from my BofA account to XXXX XXXX ( autopay ) XX/XX/XXXX : Bilt transferred {$8600.00} to XXXX XXXX XX/XX/XXXX : XXXX XXXX issued a formal Credit Balance Refund of {$4300.00} XX/XX/XXXX : {$4300.00} deposited back into my XXXX account Bilt is demanding the full {$8600.00} despite this error. I have contacted Bilt via email and live chat multiple times. They provided three different inconsistent explanations and refused to adjust my balance or suspend interest on the disputed amount. Interest is accumulating daily on the full balance. I am willing to pay the undisputed {$4200.00} but the app does not allow partial payment. Desired resolution : Reduce balance to {$4200.00} and waive all interest and fees on the disputed {$4300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a PNC account and I have had a home equity line of credit for approximately 20 years. All payments have been made on time through direct withdrawal. Since XX/XX/year>, the direct withdrawal payment stopped and I have been unable to complete the last {$12.00} in payments because PNC Bank has provided me with no method to pay the loan off. I have had numerous extended phone calls, trying to pay the loan off and remove a negative credit report that they have made. I have spoken with many representatives who have referred me to other representatives or told me where to mail checks or advised me that the loan was taken care of. I am receiving mail about foreclosures and also mail about federal assistance to help make the final payment even though I have over {$10000.00} in cash in their bank, I can not get them to accept the last nine dollar payment. All customer service personnel have been unable to assist I have asked for supervisors and their supervisors with no results. The final person I talked to XXXX with an initial of XXXX as her identifier was as high as I could get up in the complaint chain with negative results. This has affected my credit at this point and that is unacceptable. I do not see a path forward with PNC.. This has affected my credit and at this point that is completely unacceptable. I do not see a path forward with Pnc to solve this and need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In XXXX, I was ordered to XXXX XXXX with the XXXX XXXX, as reflected in my XXXX ( from XX/XX/XXXX to XX/XX/XXXX ). Under the Servicemembers Civil Relief Act ( SCRA ), my auto loan interest rate should have been reduced to 6 % during my active-duty period. However, despite multiple calls and attempts over several years, XXXX and its financing partner did not apply the required interest rate reduction or provide reimbursement for overcharged interest. I continued making payments at the standard rate throughout my military service and beyond. XXXX representatives have declined to adjust the rate or retroactively credit the amount owed under SCRA protections. The total loan amount and contract terms can be verified in the attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had my card frozen I tried to unfreeze it for a purchase of {$6.00}. The first agent told me to try again in XXXX minutes. However it still didnt work. I called again spoke with a second agent she told me that the account was declining due to security reasons I ask to speak with the department to get the issue resolved she told me that she couldnt and they would tell me the same thing which is use another form or payment and that they couldnt do anything else. I asked what can I do she just kept saying use another card. I then called again and spoke with another agent she said she reached out to the correct departments she said it was a systemic error and they cleared it however everything still is declining so she put me over to her boss the boss stated to me thats nothing they can do but put a ticket in and that its not a fast transaction I will have to wait Im a single mom the money I have is all I have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX GA XXXX ( XXXX ) XXXX Subject : Debt Validation Request Under FDCPA To Whom It May Concern, I am writing in response to your recent communication regarding the alleged debt number XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide the following documentation and information : 1-The total amount of the alleged debt, including a breakdown of all interest, fees, and other charges. 2-The name and address of the original creditor, along with documentation demonstrating that you are authorized to collect on behalf of the creditor or that you have legal ownership of the debt. 3-A copy of the original signed agreement, contract, or other legally binding document 4-bearing my signature that evidences my obligation to pay this debt. A complete and itemized payment history, including all charges, payments, credits, and adjustments used to calculate the current balance. 5- A copy of the original purchase agreement or account documentation associated with the alleged debt. Additionally, if this account has been reported to any consumer reporting agencies, please provide verification of the accuracy of such reporting as required under the Fair Credit Reporting Act ( FCRA ). Be advised that under the FDCPA, you are required to cease all collection activities until you provide proper validation of this debt. Failure to provide adequate validation may constitute a violation of federal law. If you can not validate this debt, you must cease collection efforts and notify any credit reporting agencies to which you have reported this account that the debt is disputed. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief