vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Evergreen Moneysource Mortgage Company
State: NV

Complaint narrative:
I was in an active mortgage forbearance due to financial hardship and submitted a loan modification application prior to the forbearance expiration date of XX/XX/XXXX. On XX/XX/XXXX, the mortgage servicer named XXXX contacted my wife regarding our account. During that conversation, she specifically asked whether our account would be reported late while the modification was under review. She was advised that the forbearance would likely be extended due to the active application and that we should not worry about negative credit reporting during that process. On XX/XX/XXXX, I had a phone call with a representative named XXXX that lasted approximately XXXX minutes. During that call, I was again told that the situation would not negatively affect my credit beyond reflecting hardship status. At no point during that call was I informed that the loan modification had already been approved that same day or that my account was being reported as 90 days late. Despite this, the mortgage servicer reported my account as 90 days late, resulting in an approximately XXXX drop in my credit score. The servicer has stated that the reporting is accurate due to a gap between XX/XX/XXXX and XX/XX/XXXX. However, I was actively in the loss mitigation process during this time and relied on the guidance provided by their representatives, who advised that the account would not be negatively reported. After discovering the issue, I requested that the company review the situation internally prior to escalating the matter. I was later informed that their internal review concluded the reporting would not be changed and that it was reported as they believe it should be. I also requested call recordings and internal notes from XX/XX/XXXX and XX/XX/XXXX to verify what was communicated, but the company declined to provide them and stated they would require a subpoena. This negative credit reporting is the direct result of misleading and incomplete information provided by the servicer, which caused financial harm and impacted my future eligibility for a VA loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
i had a account with Bank of America for long time a customer wrote me achech and didn't clear! so they close my account with no reason at all then tgey closed my personal account even my mother account with out a reason i had serval checks return and this has never hsappen then they have my money on hold for no reason and then said i can deposit money but not take my money out when is it fair for a 3 party to control your money that sound like dictatorship

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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CA

Complaint narrative:
Contacted me that I owe a certain amount but the original creditor gave me a different amount. Also contacted original debtor that I was going through bankruptcy at the time. True accords language in last email was unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I applied for a mortgage loan modification. I was income and debt ratio eligible for the approval. The bank denied consideration of the modification based on the statement that " our undisclosed third ( 3rd ) party verifier can not verify that you live in the home. '' Dates applied : XXXX, XXXX, XX/XX/XXXX Amounts of Mortgage remaining balance : {$550000.00} Actions by me, and refusal reason by bank : I provided a copy of my driver 's license, all utility bills, property tax XXXX homestead exemption verification ( which means, I have to live in the home to receive it or it is fraud ), my voter registration, and all other information they requested, but they still denied on the basis of their undisclosed third party verifier 's false and fraudulent claim that I do not live in my home. In the modification application, it requests the physical address of the property, and any mailing address, which I do use a XXXX XXXX XXXX mailing address, which is 2-blocks from home. I purchased the home in XX/XX/XXXX. Shortly after purchasing the home, in XX/XX/XXXX, I was not getting important banking and mortgage U.S. mail to the home, and realized it was being taken by someone, as well as most some likely being mis-delivered. To secure my mail, especially for banking and mortgage related important mail, I notified the bank in XX/XX/XXXX of the problem and I informed them that I was securing a U.S.Post Office Box and provided them with the updated mailing address. Use of the mailing address is permissible by the bank/mortgage holder. However, they could not deny my Modification application based on income/debt ratio, they are using this unsubstantiated fraudulent tactic by most likely an individual or company that is trying to take property from XXXX XXXX or any other person who gets in a challenging place and needs a modification. The modification could have been approved months ago, but they continue to state the same reason that I do not live in my home. I live in my home, and do not own any other property or have any other residence. I believe the bank is either working with individuals who are conducting fraudulent and false verifications for their business and financial gain at the expense of homeowners, especially XXXX XXXX and/or XXXX individuals, and/or XXXX/XXXX persons.

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 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ADP Inc.
State: TX

Complaint narrative:
The person on this email included email addresses, sending my financial information to other businesses that are completely different companies. I have a Negligent Disclosure of financial information and defamation claim and complaint. XXXX XXXXXXXX XXXX Phone : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX North Carolina Company No. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CO

Complaint narrative:
CFPB Escalation Subject : Credence Resource Management Improper Collection & Reporting I am submitting this complaint regarding Credence Resource Management. On XX/XX/year>, I mailed a certified dispute letter to Credences Colorado office ( tracking # XXXX ). USPS attempted delivery on XX/XX/XXXX at XXXX XXXX and marked the business as closed, despite Credences published weekday business hours. The letter was then misrouted to Arizona, returned to Colorado, and ultimately delivered to an unrelated business ( XXXX XXXX XXXX, a drug rehabilitation facility ). I opened USPS Service Request # XXXX to investigate this misrouting. Despite my written dispute being in transit, Credence : Continued collection attempts via XXXX Issued settlement offers Furnished the alleged debt to XXXX on XX/XX/year> Failed to mark the account as disputed Failed to validate the debt Credences own Legal Rights page states that written disputes are required to preserve consumer rights. However, they appear to use an address that can not reliably receive certified mail, undermining the dispute process. I am requesting CFPB intervention to address : Improper collection activity during a pending dispute Failure to validate the debt Furnishing inaccurate information to XXXX Failure to mark the account as disputed Use of an address that does not appear to be a staffed business location Thank you for your assistance.

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: Fees or interest — Problem with fees
Company: Ava Finance, Inc
State: OH

Complaint narrative:
This complaint is a follow-up to CFPB Case # XXXX. In their previous response ( XX/XX/year> ), Ava Finance claimed that their {$9.00} monthly fee is a voluntary " membership '' subscription and not a finance charge, thereby attempting to bypass the 25 % fee-harvester cap under 12 CFR 1026.52 ( a ). However, new evidence from an automated " past due '' email sent by Ava on XX/XX/year> ( attached ), explicitly contradicts this defense. In the email, Ava threatens that failing to pay the " membership '' fee will result in the loss of the XXXX XXXX XXXX, which they state would " spike your credit utilization up to 185 %. '' This communication proves that the fee is a mandatory condition for maintaining the credit line and its associated reporting benefits. Under Regulation Z, because the fee must be paid to keep the credit line open and active, it is a finance charge. Ava reports a credit limit of {$270.00} ; therefore, total non-penalty fees in the first year can not legally exceed {$67.00}. Ava is charging {$110.00} annually, a clear federal violation. Furthermore, Ava misrepresented the account status to the CFPB. They claimed on XX/XX/XXXX that my account was in " good standing '' as of XX/XX/XXXX, yet their XX/XX/XXXX email ( sent 11 days after their supposed update ) was a " past due '' notice threatening to report late payments to all three bureaus. This is a deceptive and abusive act under UDAAP standards. Also, they gave a poor resolution of only refunding 3 months instead of the full amount they owe for their deceptive practices and violation of the CARD Act 's fee harvesting rules. They're lucky it was a CFPB audit and not a lawsuit yet. I'm writing this a courtesy. Furthermore, I reject Ava Finances past resolution as insufficient. While I acknowledge the {$28.00} refund, this does not address the systematic violation of the CARD Acts 25 % fee-harvester cap ( 12 CFR 1026.52 ( a ) ). This new complaint serves as a new and proper notice for the CFPB and Ava to audit. Ava Finance has collected mandatory monthly fees that, in aggregate, exceed 25 % of my {$270.00} credit limit within the first year. Refunding only the last XXXX months is an admission of billing errors but fails to remedy the underlying federal violation. I am submitting this feedback and a subsequent complaint as a courtesy to provide Ava Finance one final opportunity to issue a full refund of all membership fees paid to date and voluntarily correct their reporting. Failure to do so will result in this matter being escalated beyond a CFPB audit to formal legal action for deceptive practices and multiple federal regulatory violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Revco Management, LLC
State: NJ

Complaint narrative:
In XX/XX/year>, I had a XXXX visit with XXXX XXXX for XXXX XXXX concerns. The consultation was extremely brief ( approximately XXXX minutes ) and did not involve a detailed evaluation, testing, or level of medical decision-making consistent with a high-level visit. I later discovered that this visit was billed under XXXX code XXXX, which represents a high-level evaluation typically requiring significantly more time and/or moderate complexity medical decision-making. The actual visit I received does not match this level of service. At the time of the visit, I paid {$75.00}. After insurance processed the claim, I was billed for the remaining balance, and this amount was subsequently sent to collections through Revco Solutions. I am currently being asked to pay {$100.00}. I made multiple attempts to resolve this issue directly with the provider by calling and sending written communication. I requested an explanation of the charges, verification of the amount billed, and a review of the billing and coding for the visit. However, I did not receive any meaningful response or assistance. I am disputing this debt because the level of service billed does not reflect the actual visit. I am requesting verification of the charges, including XXXX codes and documentation supporting the level of service billed, as well as a review and correction if necessary. I also request that collection activity be paused while this dispute is being investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MD

Complaint narrative:
On XX/XX/2026, a collection account from Sequium Asset Solutions in the amount of {$220.00} was placed on my credit profile. This account has caused a significant drop of XXXX points in my credit score. I do not recognize this debt and have never received any prior notice, billing statement, or communication from the original creditor or Sequium Asset Solutions regarding this alleged account. I have never opened or authorized any account in XX/XX/2026 associated with this collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Double Diamond-Delaware, Inc.
State: MD

Complaint narrative:
Subject : Predatory " Debt Trap '' and Fraudulent Notarial Practices by United Equitable Mortgage Corporation ( UEMC ) and XXXX XXXX XXXXXXXX XXXX I am a consumer holding a seller-financed loan with United Equitable Mortgage Corporation ( UEMC ) for a vacant lot at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am current on all payments, but I am trapped in a predatory arrangement designed to extract high interest on an illiquid asset. XXXX. Exhausted Good-Faith Efforts & Corporate Refusal : I have made repeated, good-faith attempts to resolve this obligation without default. I have listed the property on public marketplaces ( XXXX, XXXX ) and found no viable buyers because the developer 's pricing has destroyed the secondary market. I reached out to XXXX XXXX XXXX XXXX XXXX XXXX, to request a voluntary Deed-in-Lieu of Foreclosure. As seen in Exhibit G, he flatly refused, instructing me to find a buyereffectively requiring me to pass a predatory debt onto another consumer to escape. XXXX. Fraudulent Notarial Practices & " Robo-Signing '' : As shown in Exhibit A, the developer required me to execute a " Special Warranty Deed '' ( Deed-in-Lieu ) on XX/XX/year>. This document contains a glaring legal violation : Notarial XXXX XXXX XXXX XXXX ( XXXX # XXXX ) applied a Notary Seal and Acknowledgment certifying that XXXX XXXX XXXXXXXX appeared and signed the document, yet XXXX XXXX signature line is blank. This is a direct violation of the Pennsylvania Revised Uniform Law on Notarial Acts ( XXXX ), 57 Pa. C.S . 306. This " pre-notarized '' but unexecuted deed proves the developer uses fraudulent documentation to pre-arrange consumer defaults. XXXX. Active Federal Litigation : My loan is part of the pattern of abuse currently being litigated by the Pennsylvania Attorney General in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, et al. ( XXXX XXXX. XXXX ). The XXXX alleges XXXX XXXX misrepresents lot values and uses deceptive tactics to prevent consumers from exiting their contracts. XXXX. Predatory " XXXX XXXX '' Financing : As evidenced by Exhibit C, nearly 50 % of my annual payments go toward interest. The developer is acting in bad faith by refusing to record the collateral surrender while holding improperly notarized " exit '' documents. Desired Resolution : I seek a full rescission of the sales contract or a voluntary deed-in-lieu ( recording of Exhibit A ) that terminates all debt and fees without negative credit reporting.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
FDCPA Violation Complaint I am reporting violations of the Fair Debt Collection Practices Act by Caine & Weiner Company , Inc . Violations include : - continuing collection activity after written dispute and request for validation - failure to provide itemized verification of the amount claimed - repeated demand for payment within five business days- threatening legal escalation and asset investigation - threatening to contact third parties including vendors, creditors, and financial institutions These actions appear to violate : - 15 U.S.C. 1692g failure to cease collection pending validation ( Legal Information Institute ) - 15 U.S.C. 1692c ( b ) improper third-party communications ( Federal Trade Commission ) - 15 U.S.C. 1692e deceptive or misleading threats of legal action ( Federal Trade Commission )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I requested validation of this alleged medical debt from KeyBridge Medical Revenue via mail on or about XX/XX/year> and did not receive any documentation or response. Despite my request, KeyBridge continues to report this account on my credit report through XXXX as a verified collection account. No proof has been provided demonstrating that this debt is accurate, that I am legally responsible, or that KeyBridge has the authority to collect it. Reporting an account as verified without providing validation or conducting a reasonable investigation is a violation of the Fair Credit Reporting Act. Additionally, continuing to report and attempt to collect on a debt without validating it constitutes an attempt to collect a debt not owed. I am requesting immediate deletion of this account from all credit reporting agencies.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am following up regarding my dispute for the unauthorized {$3200.00} XXXX transaction on XX/XX/XXXX at XXXX XXXX. I received an email stating the claim was denied, however when I check the support chat it still shows that the case is under investigation and that it was transferred to a specialty team. This transaction was not authorized by me. I was located in XXXX, New Jersey at the time and was informed there was an unauthorized login from Kentucky. I reported the incident immediately the same day. Because this transaction involved funds taken from my account without my permission, I am requesting that the case be reviewed again and that the unauthorized transaction be reimbursed. I received a letter from Cash App stating that my plane was denied because they said I authorize it, but they didnt show proof that it was authorized by me and I did not authorize it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
This matter relates to CFPB XXXX XXXX and InComm Case XXXX. I was requested to provide copies of my personal identification, a utility bill, photos of the cards, and purchase receipts, with the understanding that the review would be completed within XXXX business days. I submitted all requested documentation on XX/XX/year>. I followed up with InComm via email on XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX, but I have not received any response to date.

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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NH

Complaint narrative:
will keep opening claims until i get a resolution here This cfpb claim was closed XXXX despite the fact that the rep who called me on XX/XX/XXXX said that she would call me back after reinvestigating this and understood what the problem was but chose not to call me and just shut my case with a copy pasted template which is ridiculous. I am going to go as high as I can to get my money back from apple Open your eyes and read carefully. I will keep opening this dispute and this case until i get my money back. THE EVIDENCE WAS EMAILED MULTIPLE TIMES AND ALSO ATTACHED HERE SO DONT YOU DARE THROW THAT EXCUSE AT ME AGAIN!!!! I have a dispute open with goldman sachs since XX/XX/XXXX against merchant XXXX for {$53.00}. Its been 9 months now and the bank keeps closing the dispute in the merchant 's favor even though I have provided enough evidence. This bank is giving me hard time over {$53.00}. I had purchased a box of diapers and a bottle of XXXX XXXX from XXXX and after I got home and opened the diaper box noticed that only half the diapers were in the box and the XXXX XXXX bottle had a broken seal. I have sent in the evidence ( photos ) of damaged merchandise to this bank like 8 times now and they keep closing it in the merchant 's favor which makes no sense to me. I have tried to return the products to XXXX and they have refused to refund me. I am not going to let my {$53.00} go waste when its not my fault. I need justice here. I have attached pictures here as well. I went to the store and they REFUSED TO REFUND ME. THERE IS NO WAY TO PROVE THIS!!!!!!!!!!!!!!!!!!! IF YOU WANT GET CAMERA FOOTAGE FROM XXXX IN XXXX NH FOR PROOF These were my XXXX cases opened and i will continue opening them till i get justice. READ CAREFULLY ALL THESE CASES XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation