vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I received 12 months of forbearance on my FHA monthly mortgage notes from Wells Fargo last year. I have since returned to paying my regular monthly mortgage notes for XXXX, XXXX, XXXX, and will be making my XXXX payment in the coming days. I requested that my arrears amount with amounts to approximately $ XXXX be placed in a Standalone Partial Claim as per the FHA Waterfall Process for Home Preservation. Instead Wells Fargo has twice offered loan modifications that would extend my current mortgage by 18 years for a {$7.00} reduction in monthly payments without providing a reason to deny my request for a partial claim. The servicer is violating RESPA Regulation X ( 12 CFR 1024.41 ) and FHA Handbook 4000.1 by failing to properly evaluate my account under the mandated loss mitigation waterfall. They are refusing to evaluate or offer the Standalone Partial Claim option despite the arrears fitting within statutory limits. Furthermore, they are attempting to disqualify me using financial documentation/underwriting metrics that are explicitly banned from streamlined evaluation under recent HUD Mortgagee Letter guidelines .

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Recently Synchrony reduced my credit limit from approximately {$850.00} to {$350.00}. Around XX/XX/XXXX or XX/XX/XXXX, I contacted Synchrony through chat to ask why my limit had been reduced. During that conversation, the representative asked if I wanted to close the account, and I clearly stated that I did NOT want to close it. At the time, the account was in good standing with no late payments and approximately XXXX years of positive payment history. Despite this, the account was later closed and I was informed it had been closed by customer request. I was not even aware the account had been closed until today, when I saw the account reported as closed on XXXX XXXX. I never authorized or requested account closure. This closure negatively affected my credit profile because this was XXXX of my oldest accounts. I am requesting : investigation of the chat interaction, correction of the closure reason if inaccurate, review for reinstatement of the account, and correction of any inaccurate credit reporting related to this closure.

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 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Aldous & Associates have emailed me and called me numerous times. I spoke with XXXX of their representatives and notified them I was in a bankruptcy proceeding and the debt was included. They continued to call and email me after he noted my account of me saying I was in a bankruptcy proceeding. My case was XXXX on XX/XX/year> and they continue to call and email me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was at work, someone got into my Mobile banking, moved money from saving and checking into XXXX XXXX and withdraw the funds ( XXXX XXXX ) XXXX XXXX resolved the issues. They also took money out my Chase account into my XXXX XXXX account and cleared the Chase account but Chase keep saying it was me who did the transaction but I was working and had no knowledge about it even though the same documents I gave XXXX XXXX who approved my request and Chase who keep saying its my fault even though I have new devices logging into my Chase account they still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Notice to repossess
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Timeline of Events : A vehicle financed through this company was subjected to XXXX criminal vandalism. A formal police report was filed immediately to document the property damage. The finance company was promptly contacted and explicitly notified of the criminal vandalism incident. Following this notification, and to ensure the vehicle was secure and could be properly evaluated, the vehicle was dropped off at an authorized XXXX dealership. Despite being fully informed of the crime and the vehicle 's exact, secure location at the dealership, the finance company refused to follow standard insurance/loss protocols. Instead, they immediately initiated an aggressive repossession action against the vehicle. Company Failures and Unfair Practices : 1 Improper Account Handling After Loss Notice : The company was given formal notice of criminal property damage ( vandalism ) but chose to bypass standard insurance claim processing and loss evaluation in favor of predatory repossession steps. 2 Unwarranted Repossession Action : The company attempted to execute a repossession on a vehicle that had already been safely surrendered to an authorized dealership location for inspection/repair, mischaracterizing a criminal property loss event as a standard default or hiding of collateral.

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 2026-05-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: NATIONAL DEBT RELIEF LLC
State: TN

Complaint narrative:
Theyre soliciting business. Ive asked them to stop calling and the call all times in the morning and night.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: CA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank is unlawfully withholding {$34000.00} of my business funds, plus a {$120.00} processing fee, under XXXX # XXXX. The Florida Department of Revenue issued an official Notice of Release ( Form XXXX ) on XX/XX/year>, cancelling the freeze on all accounts under this levy. Although TD Bank updated my account status to 'Open ' last week, they refuse to return the withheld funds to my available balance. It has now been over 5 business days since the state officially released the levy. This ongoing delay constitutes severe financial negligence, paralyzing my business operations and preventing me from processing employee payroll. I demand that TD Bank immediately credit the full amount of {$34000.00} and refund the {$120.00} fee back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
To : JPMorgan Chase Bank XXXX XXXX XXXX I am filing this complaint against JPMorgan Chase for a failure to properly investigate a billing error/merchant fraud, and for inconsistent practices that have resulted in a financial loss of {$1500.00}. On XX/XX/year>, I authorized a transaction via my Chase card ending in XXXX ( visa debit card ) through XXXX ( Transaction ID : XXXX ) to purchase a laptop for {$1500.00}. The seller immediately scammed me, blocked me, and never shipped the item. Out of extreme anxiety and panic over losing this large sum, I contacted Chase on XX/XX/year>, to stop the transaction. My panic-induced request was incorrectly coded as an " unauthorized transaction. '' Realizing my filing error, on XX/XX/year>, I contacted Chase to cancel that specific bank dispute so that XXXX could proceed with my original " Item Not Received '' dispute. Although Chase initially issued a temporary credit, on XX/XX/year>, Chase formally denied the " Unauthorized '' dispute and withdrew the {$1500.00} credit on XX/XX/year>, advising me to resolve the " non-delivery '' issue directly with the merchant ( XXXX ). The core of this complaint rests on two failures by Chase : 1. FAILURE TO CORRECT DISPUTE REASON CODE : Under card network rules ( XXXX XXXX XXXX / XXXX XXXX XXXX ), a consumer has a right to correct a dispute reason to " Merchandise Not Received '' within 120 days. Chase 's system and customer support permanently locked my dispute as " closed, '' refusing to let me file the correct " Item Not Received '' chargeback despite my timely attempts. 2. BAD FAITH PRIVACY SHIELD : When I requested Chase to notify XXXX that they had withdrawn the temporary credit ( to resolve the standoff with XXXX ), Chase refused, claiming " data privacy rules. '' However, Chase had no issue sharing my private financial data with XXXX when they first initiated the dispute. Using " privacy '' as a selective shield to avoid resolving a documented merchant fraud is highly inconsistent and has caused me severe financial harm which has affected me both physically and mentally. I have attached a comprehensive 6-page PDF ( XXXX XXXX XXXX XXXX ' ) proving that the merchant retained both my funds and the laptop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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: WEBSTER BANK, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
HSA Bank has refused to unsuspend my card. It has been a month, and my wife can not get any of her medications filled or see a doctor without the funds trapped on this card. Her health is deteriorating. They refused to tell any issues that our account was having.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 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:
On XX/XX/2026, we deposited a {$2000.00} check from XXXX XXXX and opened a checking account with Chase Bank the same day. The funds did not fully clear until approximately XX/XX/2026. On XX/XX/2026, we received a message from XXXX XXXX advising us to come into the branch because there was a Social Security number mismatch and the account had been restricted. We visited the local branch on XX/XX/2026 and learned that the Social Security number had been entered incorrectly by the branch during account setup. The account remained restricted, and on XX/XX/2026 we received notice that the account was going into closure status. The following morning, we contacted the branch, and they were able to stop the closure process and restore most of the account funds. However, the original {$2000.00} deposit from XXXX XXXX was still missing. The deposited funds had already cleared before the restriction and closure process occurred. We contacted Chase multiple times and worked with the local branch and branch manager to determine the location and status of the missing funds. Chase requested documentation from XXXX XXXX showing the funds left the originating account, and we provided the requested documentation. Despite this, Chase has not provided a clear explanation regarding where the funds are currently being held or what happened to the deposited balance. The branch manager later advised that they had exhausted their abilities and could not provide further assistance. It has now been nearly XXXX weeks without resolution or access to the deposited funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MO

Complaint narrative:
Credit ACPT -AUTO LOAN IS NOT MINE I HAVE MADE COMPANY AWARE ACCOUNT ENDING XXXX

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 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have never lived in Florida * Section XXXX : Debt XXXX can not use false, deceptive, or misleading representation or means in connection with the collection of any debt ; and * Section XXXX : Debt XXXX can not use unfair or unconscionable means to collect or attempt to collect any 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 2026-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
The company involved is RXXXX XXXX and my loan number is XXXX My loan agreement began on XX/XX/XXXX, first payment on XX/XX/XXXX, last payment to be made on XX/XX/XXXX. Interest for first 2 years was 14.75 %, dropping to 13.236 %. XXXX XXXX is showing a payoff date of XX/XX/XXXX, over 2 years longer than my contract. XXXX shows a principle of {$17000.00}, I should have 18 payments left on my contract which adds up to be {$7500.00}, not taking into consideration the change in the interest rate. A difference of a little over {$10000.00}. Payments were mostly on auto draft and I had no reason to check the balance. Only caught this because I am looking at refinancing my home. After looking at some of the payment history, XXXX took all of the payment on XX/XX/XXXX and XX/XX/XXXX, and XX/XX/XXXX and applied the total pmt to just interest. That is not logical. big discrepancy in what was applied to interest and principle. Examples : XX/XX/XXXX - principle {$100.00} interest {$280.00} XX/XX/XXXX " XXXX " XXXX XX/XX/XXXX " XXXX XXXX XX/XX/XXXX " XXXX XXXX XXXX has a copy of the correspondence, and you can see from their answers that they never addressed the {$10000.00} or explained the discrepancy in the interest and principle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TN

Complaint narrative:
On or around XX/XX/XXXX, I received a collection notice in the mail from I.Q. Data XXXX XXXX XXXX regarding purported debt I still owed an apartment complex called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. This notice came almost a year and a half after I had left the complex ( XX/XX/XXXX ). It appeared to be a scam to me since I had paid down all that was supposedly owed to the complex. I called the number to inquire what it was regarding and spoke with an account representative named XXXX XXXX. She said our call was on a recorded line and that I still owed money. I asked why I was receiving this notice so long after I left and she claimed they did not have my address. This is not true. XXXX XXXX had my forwarding address that I gave them in XX/XX/XXXX to send my deposit. I had also requested a final update of last billing which XXXX XXXX never provided. I received a call from a XXXX XXXX manager saying they had my deposit check at their office in XX/XX/XXXX ; she confirmed my forwarding address and I asked why it hadn't been sent, she had no answer for that question. I also requested if anything additional was owed and she said no, the balance was {$0.00}. I never received my deposit back from XXXX XXXX. I never received any correspondence or phone calls regarding owing anything additional to XXXX XXXX in over a year. I explained all of this to XXXX and she proceeded to talk over me and tell me that I had to pay I.Q. Data. These conversations tend to be frustrating and I expressed to XXXX that I needed some sort of verification or details regarding the purported debt. She clearly was getting frustrated with my persistence that she hung the phone up on me. When I called back to ask what happened, she kept pestering me about paying the debt that day, refusing to listen to me, or she was going to report the collection to the credit reporting companies. I said, I am not going to pay anything since I had no idea why I was being targeted in the first place. She then hung up on me again. Two days later the collection showed up on my credit reports. I have tried reaching out with additional phone calls and with a good faith letter and have received no response. I have received no phone calls or voicemails from I.Q. Data and only received their supposed verification of the debt. This is currently affecting my ability to get a new place to live and I am being very negatively affected by the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: IN

Complaint narrative:
I reviewed my credit report and noticed a debt listed from Plaza XXXX XXXX in the amount of {$1500.00}. I contacted your office and requested verification of this debt. The representative I spoke with stated that the documentation would be provided ; however, I have not received any verification to date. Additionally, my attempts to follow up by phone have been unsuccessful, as I am only able to reach voicemail after extended hold times. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request verification of any debt reported on my credit file. If this debt can not be properly validated, it must be removed from my credit report. Please be advised that if this matter is not resolved promptly and in accordance with federal law, I am prepared to pursue further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
Truck was purchased from XXXX XXXX ( XXXX, CA ) and financed through Santander XXXX USA on XX/XX/XXXX. After trying to register this vehicle in XXXX, CO we were unable to register it with the XXXX XXXX XXXX and Recorder because they do not have the XXXX they need to register the vehicle to us. We have attempted to get the needed paper work from Santander XXXX USA with no luck getting what we need. I have also sent certified demand letters to both Santander XXXX USA and XXXX XXXX to submit required paper work needed for registration in XXXX, CO. We have had no response to the demand letters that I sent certified mail on XX/XX/XXXX from either Santander or XXXX XXXX.

Company response to consumer: Closed with explanation