vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 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: Selene Holdings LLC
State: MA

Complaint narrative:
We were sold to Selene finance in XX/XX/XXXX. From day XXXX we have had issues with them... please see last complaint.... Everything was supposedly resolved and we temporarily were able to communicate with them. We started receiving correspondance from them with our names all screwed up. This house was in my father 's name ( and ours ) when he passed away in XXXX. It has left us always having issues when sold to another company, but it gets ironed out and we move on. This company has never ever gotten it straight even with countless faxes of paperwork on our part. The previous mortgage company was supposed to provide that for them. Originally all of our statements would come in addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX who is me ) Then things started coming without XXXX XXXX XXXX XXXX ( who is my father ) and came addressed as XXXX XXXX XXXX XXXXXXXX XXXX my husband ) and my name was listed as XXXX XXXX XXXX XXXX they would not talk to me unless I confirmed that my first name was XXXX .. which it is not. But at least we could speak on the account. Now today we had someone come to our door who was dressed very unprofessionally and said she was checking occupancy for Selene finance ... would not show ID and told me she would have to speak to my neighbors for confirmation if I didnt answer her ... I told her to leave and called my attorney. Turns out that is not legal. Anyway, I then called the mortgage company and was told that XXXX XXXX had passed away and a successor had not been named... they do not have the paperwork to prove our ownership and therefore they could not speak to us. We faxed endless amounts of paperwork multiple times to them before I put in my XXXX complaint with you. We have not been able to properly make a payment or speak to anyone! I am at my wits end fighting all of these companies just to be recognized as the proper owner every time we are sold. They responded to my last complaint in agreement with the complaint and said everything was made right... apparently not!! I would like for them to be held accountable and I will be moving forward with a lawsuit through my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Here are the relevant facts : I had an automatic payment established on my account in the amount of {$250.00}. In addition to this automatic payment, I made an extra manual payment of {$120.00} with the clear intent of paying down my promotional balance in full and ahead of the promotional deadline. 

Instead of processing the automatic payment as authorized, your system reduced the scheduled automatic payment and charged only {$130.00}. I did not request, authorize, or receive notice that my automatic payment would be altered as a result of making an additional payment. This system behavior was neither disclosed nor intuitive and directly interfered with my established payment arrangement. 

Once I became aware of the remaining balance, I promptly paid the outstanding {$120.00}. At all times, my intent was to fully satisfy the promotional balance within the promotional period. I took affirmative steps to pay more than required, not less. 

The interest assessed is therefore the direct result of your payment processing system and lack of disclosure not any failure or neglect on my part. Penalizing a consumer for making additional payments defeats the purpose of automatic payments and constitutes an unfair billing practice. 

Accordingly, I formally dispute the interest charge and demand that it be removed in full. I am requesting written confirmation that the disputed interest has been reversed and that my account reflects a correct balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
XXXX. I was informed on XX/XX/XXXX that someone bought my house, only after a man showed up at my door. Rocket Mortgage completely failed to provide ANY notice of the foreclosure sale. After further investigation with the XXXX XXXX XXXX XXXX, I discovered that my house was auctioned off at XXXX XXXX on XX/XX/XXXX. Again, no notice was provided or published. This can not be considered a fair and public auction if no one knows about it! 
XXXX. It is recorded that Rocket Mortgage purchased my home as being the highest bidder on XX/XX/XXXX. However, this is also false. After further investigation, the highest bidder was a private third party, who backed out later that day. Thus, the house was not sold on XX/XX/XXXX. 
XXXX. Later, apparently on XX/XX/XXXX, a man named XXXX XXXX bought my home at an online auction held by Rocket Mortgage. I again was unaware of this auction and sale. 
XXXX. I need to know when my house was actually sold to the highest bidder because this affects my redemption period. 
XXXX. I need to stay in my home as I have children, pets, equity, etc.... Rocket Mortgage and its affiliates have been actively trying to steal my home from under me without complying with Federal and Michigan State laws. This is not a new problem, as I have had to submit a complaint previously. ( # CFPB Case # XXXX ). Rocket Mortgage admitted fault as I was actively in a Forbearance Agreement while at the same time Rocket Mortgage 's attorney, XXXX XXXX scheduled a foreclosure sale. 
XXXX. Although Rocket Mortgage admitted fault thru an email sent on XX/XX/XXXX at XXXX pm stating, " ... no additional payments are required at this time, '' they are using the XX/XX/XXXX faulty/illegal notice to support a new Foreclosure Action. 
XXXX. At minimum, Michigan State law requires Notice before a home can be sold. Rocket Mortgage seeks to steal my home for their own equity gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: PA

Complaint narrative:
I opened a credit card with Robinhood a few months ago and it has been nothing but headache. I used the card and when I went to make payments with my bank ( XXXX ) they claim there's an issue on my bank 's side, even though I've had the account for 15 years, there's money in it, and I've never had issues with them before. They charge me a {$25.00} return fee for each payment made through XXXX. 

So I connect another account through XXXX. I pay the entire balance off and then my balance somehow becomes negative. Negative $ XXXX exactly. I contact the company and they say I've overpaid, which doesn't make sense since they've been returning my payments, charging me fees and interest. Their customer service says they do not issue refunds and instead it will be issue as a higher credit limit, which I do not want. I do not want to use this card going forward and I would instead like the refund they owe me since they stated I overpaid. 

They did say they would reach out via email as well, but their customer service is horrible, I'm not confident they will and even if they do, that the issue will be resolved, especially since they stated they don't refund. I've sent other emails to them that have gone unanswered and via text that results in waiting days for a response, sometimes they respond in the middle of the night when I'm sleeping and then take hours between each reply. 

Please help me get the refund I'm owed, so I can be done with this company, they're awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Regional Recovery Services
State: FL

Complaint narrative:
Today I received a call from a XXXX number that left a message saying they were trying to locate me and left a callback number that was completely different than the number they called from. They then proceeded to call my mom & brother from different numbers also ( used a XXXX area code this time ) and they left the same message informing them of a reference number & that theyre trying to locate me.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, the bank notified a business entity in which I held a minority ( 2 % ) ownership interest that its business banking account would be closed effective XX/XX/XXXX, following a review of bank information and records, with no specific reasons provided. Subsequently, on XX/XX/XXXX, the bank closed my personal credit card accounts, including one held since XXXX and another since XXXX, without prior notice or opportunity to address concerns. These personal accounts were in good standing with no history of delinquency or misuse. 
Upon requesting specific reasons for the closures under applicable laws, the bank responded on XX/XX/XXXX, stating that the decision was based on prior experience with the business entity and unspecified activity on its previous banking account, leading to a determination that they could no longer offer financial products. I disputed this, arguing that linking personal consumer credit to a separate business account where I was not the majority owner ( 98 % owned by another individual ) was improper and unfair. 
On XX/XX/XXXX, the bank reaffirmed the closures as part of their decision to terminate the overall relationship, attached a copy of the business closure notice, and found no evidence of discrimination. They confirmed the credit report information was accurate but agreed to add a " disputed by the consumer '' note, allowing 30 days for the update. No balances were outstanding on the personal accounts at closure, but the actions resulted in loss of rewards and negative impact on my credit report. I believe this violates consumer protection laws by unfairly conflating personal and business liabilities without transparency or evidence of personal wrongdoing.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
The vehicle in question has a Borrower and co-borrower. The Borrower has sole possession of the vehicle and is responsible for the loan payment, insurance, registration and maintenance.

The borrower and co-borrower are no longer on speaking terms and have a very poor relationship. The borrower is in default on the loan, has not had insurance on the car since XX/XX/year> and has not renewed the registration.

Capital One has continued to allow the pattern of non-payment and once the vehicle goes into repossession, a payment plan is set up and the vehicle is removed from repossession. Then the payments are returned and it takes weeks go to back into repossession. This pattern has been going on for a year.

In addition, Capital One has been notified that the vehicle is not insured and the " office of the president '' at capital one said they do not monitor their assets to ensure that they are insured.

The Borrower has not updated their address with Capital One. Although they have been notified, they have not required the borrower to provide them with a current address.

The Borrower has not attempted to refinance to remove the co-borrower from the loan, although due to poor credit rating and previous repossessions, I doubt she'd qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We were instructed to close our checking account ending in XXXX. Wells Fargo said closing the account was the only way to stop fraud. We were told that we would still have online access to our information in the closed account. This was a complete lie. I have no online access to account ending in XXXX and am spending a lot of time and energy to restore my information. I have spent hours on the phone with overseas, barely speaking English people to get copies of my personal banking information.

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 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
My Nelnet account number changed. Nelnet states it was too close to some ones social security number so the account # was changed. 
Payments XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were accepted by Nelnet- ( Cashed ) as they were automatic payments. The money was not placed on my current account.

I was told that the money was seen to be posted on the old account and to give them 10 days to rectify. It has been over a month and now they want copies of my bank accounts.

I am not comfortable sharing my bank account with them.

Each of my electronic payments has a confirmation number and a payment Id # that the money went to Nelnet.

I am paying interest on money not posted to my account, and was in nere default because payments were not posted to new account.

I have spoke with 3 people XXXX, XXXX and XXXX at Nelnet and still no resolution to my lost money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I been making payments of {$280.00} per month since XXXX. I haven't missed a payment. The last payment I made was in XX/XX/XXXX. I would have 5 months to pay off the car. But recently I been receiving a lot of emails stating that I owe {$2400.00}. I always call to ask what My payoff balance is, and was told it's {$1400.00}. I received a letter dated in XX/XX/XXXX the new payoff balance is {$2400.00} but I received the letter in XX/XX/XXXX. and that I have 16 days to pay off this amount or else the car will be repose and the title will not be release untill the balance is paid in full. I have proof of all the payments I've made since XXXX but since I just moved houses I need to look for them. The total payoff balance should be in those payment statements I have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing this complaint against XXXX for violating the Fair Credit Reporting Act by maintaining materially inaccurate and inconsistent information despite my previous dispute. 

PREVIOUS DISPUTE : I previously disputed these accounts in [ INSERT YOUR DISPUTE DATE - example : XX/XX/XXXX ]. The information was either verified as accurate or inadequately addressed despite clear inconsistencies. 

ACCOUNT 1 : CAPITAL ONE XXXX reports this account with information that contradicts XXXX XXXX XXXX : - CHARGE-OFF AMOUNT : XXXX  shows {$5600.00} charged off. XXXX XXXX XXXX both show {$0.00} balance. This is a {$5600.00} discrepancy in fundamental account information. 

- PAYMENT HISTORY : XXXX shows detailed progression ( 30, 60, 90, 120, 150 days late before charge-off ). XXXX shows XXXX late payments. XXXX  shows XXXX late payments. All three versions can not be accurate. 

- REPORTING DATES : XXXX shows " as of XX/XX/XXXX. '' XXXX shows " reported XX/XX/XXXX. '' XXXX shows " reported XX/XX/XXXX '' - a nearly XXXX discrepancy. 

- CLOSED DATES : XXXX shows XX/XX/XXXX. XXXX shows XX/XX/XXXX. Different bureaus reporting different closed dates proves inaccuracy. 

ACCOUNT XXXX : XXXX XXXX XXXX  CRITICAL ISSUE XXXX  DOES NOT REPORT THIS ACCOUNT AT ALL, while both XXXX XXXX XXXX do report it. This is proof the account information is unreliable and unverifiable. 

XXXX reports : " XXXX XXXX '' - Reported XX/XX/XXXX - Closed XX/XX/XXXX - Worst status " XXXX Days Late '' XXXX  reports XXXX " XXXX XXXX XXXX XXXX XXXX Reported XX/XX/XXXX - Closed " No Info '' - Worst status " Charge-off '' The XXXX reporting date discrepancy ( XX/XX/XXXX vs XX/XX/XXXX ) and complete absence from Experian proves this account can not be accurately verified. 

LEGAL VIOLATIONS : Under 15 U.S.C. 1681e ( b ), credit bureaus must follow reasonable procedures to assure maximum accuracy. When three bureaus report contradictory information about the same accounts, at least one must be inaccurate.

Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), when information can not be verified, it must be deleted.

REQUESTED RESOLUTION : 1. Delete the Capital One account due to inconsistent and unverifiable information across all bureaus 2. Provide Method of Verification documentation showing how XXXX  verified information that contradicts other bureaus XXXX. Provide updated credit report showing deletion XXXX. Explain why the XXXX account appears on XXXX XXXX XXXX XXXX XXXX XXXX I have attached screenshots showing these inconsistencies across all three credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I completed a balance transfer to my Bank of America credit card for {$10000.00} on XX/XX/XXXX. The total account balance was {$10000.00}, and I paid {$490.00} on XX/XX/XXXX, before the due date. Despite this, Bank of America charged {$120.00} in interest on the balance transfer during the XX/XX/XXXX XX/XX/XXXX statement period. 

I contacted Bank of America on XX/XX/XXXX to dispute the interest charge and requested an explanation and removal. The company referred my case for internal review. Today, I received an email from Bank of America declining to remove the interest charge, without explaining how interest was applied even though my balance was paid in full on time. 

Timeline of key events : XX/XX/XXXX Completed balance transfer : {$10000.00} XX/XX/XXXX Paid {$490.00} toward account balance XX/XX/XXXX XX/XX/XXXX Interest of {$120.00} charged on balance transfer XX/XX/XXXX Contacted BOA to dispute interest XX/XX/XXXX Case referred for review XX/XX/XXXX Received email denying removal I believe this interest charge was incorrect and request a refund of the interest and correction of my account.

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 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A few years ago I had a XXXX credit card via Chase. I started receiving emails addressed to " XXXX '' about an account that was not mine. What I think happened was that XXXX signed up for a credit card and incorrectly supplied my email address. Chase didn't do any sort of email verification and just started sending emails to me. 

I called a few times to try and get my email address removed from his account but nothing happened. I closed my XXXX card because I am afraid of their poor security practices. 

Over the years I have continued to receive emails from Chase for XXXX. I have called a few more times to no avail. 

This continues to this day. Today, in fact, I received an email addressed to XXXX that provides me with the last four digits of his account ( XXXX ) and his credit limit ( {$23000.00} ). In the past I have received emails showing his payment amount and balance. 

Clearly XXXX used the wrong email address. This should be a simple fix : either edit his account and remove my email address entirely or call XXXX and tell him the problem. DO SOMETHING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: WI

Complaint narrative:
I received XXXX different pieces of mailing with different lawyers telling me to act now before I get served. I received the letter that I attached. I have received threatening voicemails that state I will be sued and served papers if I don't comply. I have no idea on what this debit is from. I also had someone show up at my house twice now looking for me and trying to serve me papers. He couldn't tell me any information either. I got scared since I'm being threatened for something that I don't even know about. I did go online and set up a payment plain to pay the debt, but now I'm regretting it since I don't know where the debt is coming from.

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 2026-01-14 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Personal information was leaked and debt was accumulated and now I can not pay the balances

Company response to consumer: Closed with non-monetary relief