vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LoanCare, LLC
State: CA

Complaint narrative:
In or around XX/XX/2024, servicing of the conventional home mortgage on my family trust 's property ( originated as XXXXXXXX XXXX XXXX XXXXXXXX. XXXX ) was transferred to LoanCare , LLC, acting as subservicer on behalf of XXXX XXXX XXXX XXXX XXXX. I am a beneficiary of the trust that holds the property and a party in interest in the loan. I learned of this transfer only indirectly, through a third party 's response to a separate complaint ; I was not furnished a complete or adequate accounting of the transfer or the resulting servicing relationship. I requested from the servicer the records that govern this loan and its transfer : the Notice of Servicing Transfer and the complete boarding / " hello '' '' goodbye '' transfer file for the XX/XX/2024 transfer ; the identity of the current owner or investor of the note and of the master servicer ; the complete payment and transaction history ; the escrow account analysis and disbursement history ; and all payoff quotes and borrower communications. These records go to who currently holds and services this debt, on what terms, and whether the account has been serviced accurately since the transfer. The servicer has not produced these records or provided a substantive response identifying the note 's current owner, the terms on which servicing was transferred, or the accounting of the account since boarding. The transfer surfaced through a third party 's correspondence rather than through a proper accounting from the servicer itself. The result is that the party currently servicing and claiming the right to collect on this loan has not documented the basis for doing so, and the servicing and escrow history since XX/XX/2024 remains unverified. I am seeking : production of the complete servicing-transfer and boarding file for the XX/XX/2024 transfer ; written identification of the current owner/investor of the note and the master servicer ; the complete payment, transaction, and escrow-analysis history since boarding ; all payoff quotes issued ; and correction of any error in the account revealed by those records. This conduct implicates the servicer 's obligations under RESPA and Regulation X ( 12 U.S.C. 2605 ), including the duties triggered on transfer of servicing and the duty to respond to a borrower 's request for information and notice of error.

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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I didnt authorized this collection company to put this information on my credit with out validating the debt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have received a call from the XXXX department, informed an investigation would be done and documentation would be provided but since have not heard anything. Called regulatory complaints and been ignored for a month. Call XXXX XXXX and was told the case was closed but would not provide documentation. I want bank of America to know I will be filing a civil suit this week.

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 2026-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
To Whom It May Concern at Ally Financial, I am writing to formally dispute and file a complaint regarding the inaccurate reporting of a vehicle account associated with my credit profile. Your records currently reflect this account as a charge-off in the amount of {$22000.00}, which I believe is inaccurate, incomplete, and misleading based on the actual history and disposition of the account. Additionally, the reporting appears to indicate that Ally Financial has abandoned any financial interest in the vehicle without properly updating or including required remarks in the credit reporting system. The absence of accurate and complete status remarks results in a misleading representation of the account. Under the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to ensure that all reported data is accurate, complete, and fully updated. The current reporting of this account as a charge-off, without appropriate supporting remarks or corrections, is causing significant harm to my credit profile and financial standing. I am formally requesting the following actions : A full investigation into the accuracy of this charge-off reporting. Immediate correction or removal of any inaccurate, incomplete, or misleading information. Proper updating of the account status, including accurate remarks reflecting the true status and disposition of the vehicle and account. Written confirmation of the investigation results and any corrections made. Documentation confirming compliance with FCRA reporting requirements for this account. Please treat this matter as urgent, as the inaccurate reporting is adversely affecting my ability to obtain credit and maintain financial stability. If this issue is not resolved promptly, I will pursue further remedies through the Consumer Financial Protection Bureau ( CFPB ), credit reporting agencies, and other applicable regulatory channels.

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 2026-07-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This complaint concerns a Bank of America credit card account opened on XX/XX/XXXX, with a credit limit of {$5500.00}. The account is now paid and closed it was closed in XX/XX/XXXX at the credit grantor 's request. ( I am identifying the account by these details because I no longer have the account number readily available ; this open date and credit limit are unique to this specific account. ) Beginning in XX/XX/XXXX and continuing into early XXXX, I fell behind on this account during a serious family emergency that disrupted my finances for a short period. Apart from that brief window, I have maintained a strong payment record on this account and my other credit accounts, and the account was ultimately paid in full. Since resolving that situation, I have contacted Bank of America XXXX XXXX to request a goodwill adjustment the removal of the late-payment notations reported to the credit bureaus in light of the hardship I experienced and my full repayment of the balance. Each time, I was told the notations could not be removed. I want to be clear that I am not disputing the accuracy of the reported dates. I am respectfully requesting, as a matter of goodwill and hardship consideration, that Bank of America remove the late-payment notations for this paid, closed account. I am asking the CFPB to help facilitate a good-faith, senior-level review of this request. These notations are the single remaining obstacle affecting my ability to qualify for a home mortgage. I would be sincerely grateful for reconsideration given the circumstances and my full repayment. Thank you for your time and assistance. XXXX XXXX XXXX ( XXXX ) 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 2026-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: IN

Complaint narrative:
I checked my credit score and it went down and saw I got sent to collections for {$800.00}. Googled the name and called the number I spoke to the agent asked her to give me information about why and what company sent me there and she could not give me a straight answer she said Charters Communications I told her I do not recognize that and began to ask her why they didnt give me a notice before sending me to collections they just sent me there without my knowledge of what this charge is, She began to tell me I had to pay it or wait 7 years for it to fall of she hung up in my face and they blocked me so that I wasnt able to call them back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
In or around XX/XX/year>, servicing of the conventional home mortgage on my family trust 's property ( originated as XXXX Mortgage XXXX XXXX. XXXX ) was transferred to XXXX XXXX XXXX as subservicer acting on behalf of Lakeview Loan Servicing , LLC. I am a beneficiary of the trust that holds the property and a party in interest in the loan. I understand Lakeview to be the master servicer and the owner of the servicing rights, with XXXX performing day-to-day servicing on its behalf. I learned of this arrangement only indirectly, through a third party 's response to a separate complaint not through any accounting from Lakeview or its subservicer. I requested the records that establish who owns and controls this loan and the servicing rights : the identity of the current owner or investor of the note ; the identity of the master servicer and the owner of the servicing rights ; the loan-sale, servicing-transfer, and servicing agreements under which Lakeview and XXXX acquired XXXX servicing and/or the note effective XX/XX/year> ; any subsequent assignment, sale, or securitization of the note ; the Notice of Servicing Transfer and boarding XXXX XXXX and XXXX legal basis on which Lakeview claims the right to service and collect. Lakeview, as master servicer and owner of the servicing rights, has not identified in its own name the owner or investor of the note, has not produced the loan-sale or servicing-transfer agreements, and has not stated the legal basis on which it and XXXX claim the right to service and collect. The party that owns and directs the servicing of this loan has not documented the basis for doing so, and the ownership and servicing chain since XX/XX/year> remains unverified. I am seeking, from Lakeview directly : written identification of the current owner or investor of the note and the owner of the servicing rights ; production of the loan-sale, servicing-transfer, and servicing agreements and any subsequent assignment, sale, or securitization ; the Notice of Servicing Transfer and XXXX XXXX XXXX and the legal basis on which Lakeview claims the right XXXX service and collect. This conduct implicates Lakeview 's obligations under RESPA and Regulation X ( XXXX U.S.C. XXXX ), including the duty to respond to a borrower 's request for information, and my right under TILA ( 15 U.S.C. 1641 ( f ) ( 2 ) ) to be told the identity of the owner or master servicer of the mortgage obligation.

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 2026-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally disputing the following accounts as fraudulent and unauthorized. Under the Fair Credit Reporting Act, I am demanding the immediate permanent deletion of these items from my credit report. These accounts were opened without my consent, and their continued presence constitutes a reporting error that is causing me ongoing financial harm. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I applied for a XXXX pay credit card through XXXX and Synchrony Bank! I had a XXXX XXXX XXXX and I own my house and cars and I have hundreds of thousands of dollars in savings! I was turned down and there was no explanation! I told them I thought I knew why I was tuned! We have just bought a new house and we are getting stuff for it and I suggested to my wife that we should get a XXXX Credit card and a XXXX credit card since that is where we get most of our stuff! Synchrony Bank is used with both stores and I got a credit card with XXXX online XXXX XXXX XXXX night in XXXX minutes and bought an electric mower! I believe the fact that I tried to get another credit card through Synchrony Bank in XXXX hours is why I was turned down! It doesnt make much sense and they refuse to let me talk to someone other the front line customer service representative! Thanks for your help!

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 2026-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MS

Complaint narrative:
My escrow increased from XXXX from XXXX to XXXX. I called freedom mortgage to ask for an explanation and they said it was because of a shortage from XXXX on insurence increase and projected future increase. My escrow from insurances is taken out in XXXX. I called XXXX XXXX and they said they do not have an answer for that their new increase if any will happen in XXXX as usual. I have no notification of an increase from the mortgage company of an increase from last XXXX and my mortgage payment has been the same since XX/XX/XXXX when it dramatically increased. Freedom mortgage could not give XXXX a satisfactory answer to why the increase in XXXX. They informed me that we might could reduce the escrow shortage to a XXXX month period instead of the XXXX month. I ask her to see about that and after a few minutes she returned to say I wasnt qualified. This doesnt sound right to me. Could you help with this? We are an XXXX couple on a fixed income and we have a problem with this without even a prior notification.

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 2026-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: M&T BANK CORPORATION
State: AR

Complaint narrative:
I had a building burn. It was deemed a total loss. I can not rebuild for the amount of the check, even with my loss rents in the same check that have not been released to me. I requested the check be added to the principal. The request had been denied many times, even though in the original closing document it state that if it does not make ecominmal sense, the proceeds SHALL go to the payoff note. I have an as is sale pending, XXXX denied this request, and then they transferred the the note to their sister company M & T Bank. M & T Bank has repeatedly denied requests to net my total-loss insurance proceeds against my payoff balance. They have the funds mislabeled as 'Restricted Escrow ' and their automated system keeps denying the release because I am not rebuilding. This is an underinsured total loss. Rebuilding is impossible. M & T is illegally holding my funds and forcing me into a breach of contract with my home buyer. This process, and their negligence, has already costs me thousands of dollars, and they continue to deny my request despite hours of phone conversations, with more than adequate detail of my situation. XXXX XXXX even stated if they deny the request I " have to rebuild '' which is illegal and unethical.

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 2026-07-06 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: ALLY FINANCIAL INC.
State: OR

Complaint narrative:
This institution owes me a refund of $ XXXX {$500.00} for an overpayment on a closed auto loan. They have acknowledged they owe the money but are actively stalling the payout. They have repeatedly issued, canceled, and reprocessed checks to artificially delay the timeline. I am seeking the immediate, permanent delivery of my funds. Please help me I appreciate your time.

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 2026-07-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: MO

Complaint narrative:
XXXX I received a direct deposit from the social security XXXX it's my XXXX check. XXXX dollars I have yet to be able to get any of my money from them and they closed my account for nothing

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 2026-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I am submitting this complaint because my mortgage servicer has provided conflicting information regarding my mortgage reinstatement and is now attempting to collect an additional payment that I do not believe is owed. On XX/XX/year>, my mortgage servicer sent me a reinstatement letter stating that I could reinstate my mortgage by paying {$13000.00} on or before XX/XX/year>. Before sending my payment, I contacted the mortgage servicer and specifically asked whether the XX/XX/year> mortgage payment was included in the reinstatement amount. I was told that it was. After sending a wire transfer of {$14000.00} on XX/XX/year>, I called again and received the same confirmation from a second representative. On XX/XX/year>, I contacted the servicer to verify receipt of my wire transfer because of the XX/XX/XXXX holiday. During that conversation, I was informed that I still owed my XX/XX/year> mortgage payment. I relied on both the servicers written reinstatement letter and the verbal confirmations provided by XXXX separate representatives when making my payment. I paid more than the amount quoted in the reinstatement letter, yet the servicer is now claiming an additional payment is due. I am requesting that the mortgage servicer : XXXX the XX/XX/year> reinstatement letter quoting {$13000.00} as the reinstatement amount. Apply the excess funds from my {$14000.00} payment toward my XX/XX/year> mortgage payment. Correct my account if it has been improperly assessed as owing an additional payment. Provide a complete written explanation of how my payment was applied and why I received conflicting information from multiple representatives. I believe I acted in good faith by relying on the servicers written correspondence and repeated verbal confirmations. I respectfully request the CFPBs assistance in ensuring this matter is investigated and resolved fairly.

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 2026-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Hello, CFPB. A complaint : I opened a Wells Fargo checking account on XX/XX/XXXX and deposited {$1500.00} on XX/XX/XXXX, expecting to soon receive an advertised {$420.00} account opening Bonus. Wells Fargo has denied my eligibility for that {$420.00} bonus, alleging that my deposit was not a " Qualifying '' deposit. The fine print in the " Account opening bonus disclosure '' says : " A qualifying electronic deposit is a deposit of funds such as your salary, government benefit payment, or other income, that has posted to your account and is ( l ) a direct deposit made through the Automated Clearing House ( ACH ) network, ... '' XXXX. The deposit came from " other income ''. I get paid for handyman work. XXXX. The deposit posted to the account XXXX days after account opening. XXXX. The deposit was a direct deposit, an online transfer from my credit union account, MADE THRU THE ACH. Still, they say it was not " Qualifying ''. Subsequent letters from Wells Fargo, dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX have mentioned different reasons as to why the deposit was not Qualifying. Those letters have quoted the " Account opening bonus disclosure '', but OMITTED the mention of " other income '' being a legitimate source of funds. Their XX/XX/XXXX letter says " transfers from XXXX account to another are excluded ... '' WHERE ELSE might a deposit come from, If Not " from XXXX account to another ''?! Green cash? OF COURSE the source of the deposit was an " account ''. I'll be happy to forward to you any requested documentation or specifics. The latest letter from Wells Fargo refers to Case # XXXX. Thanks for your attention to this matter.

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