vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
The servicer is violating the FHA Loss Mitigation Waterfall ( HUD Handbook 4000.1 ) by forcing a rate-increase modification on a " Legacy Rate '' loan ( 2.75 % ) despite my eligibility for a Standalone Partial Claim or the new FHA Payment Supplement . Timeline of Events : 1. XX/XX/year>XXXX : The servicer offered a " Combination Loan Modification '' that resets my 2.75 % interest rate to a 6.5 % market rate, resulting in a monthly payment increase of {$360.00} ( from {$1800.00} to {$2200.00} ). XXXX. XX/XX/year>XXXX : I filed a formal written appeal and " Request for Information '' via Certified Mail and Fax. I challenged the denial of the Standalone Partial Claim, noting that my arrears ( approx. {$10000.00} ) are well below the 30 % statutory Partial Claim limit ( approx. {$64000.00} ). I requested the specific Waterfall Worksheet and evaluation for the FHA Payment Supplement ( Mortgagee Letter XXXX ). XXXX. XX/XX/year>XXXX : The servicer confirmed receipt of my appeal and stated a 30-day review period was required. XXXX. XX/XX/year>XXXX : The servicer issued a generic, automated denial stating their " original decision remains the same '' and that foreclosure activity may now resume. The Error : The servicer claims a 6.5 % modification provides " greater relief '' than a Standalone Partial Claim. This is mathematically false, as it creates a permanent financial hardship through a {$360.00} monthly increase. The servicer has failed to provide the requested Waterfall math or justify why the Payment Supplement, designed specifically to preserve low interest rates in XXXX, was bypassed.

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 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This is an escalated complaint regarding ongoing FDCPA and FCRA violations by LVNV Funding, Resurgent Capital Services, and their attorney XXXX XXXX XXXX XXXX XXXX. TIMELINE : - XX/XX/XXXXXXXX : Sent initial debt validation request to XXXX XXXX XXXX XXXX XXXX. requesting signed credit agreement, chain of assignment, and itemized account statements. - Response : Received only a final XXXX XXXX statementno signed agreement, no chain of assignment, no itemization. - [ INSERT DATE OF BUREAU DISPUTES ] : Disputed with XXXX and XXXX citing inadequate validation. - Result : Debt collectors fraudulently " verified '' this account using the same inadequate documentation. - XX/XX/XXXXXXXX : Sent escalation letter to Resurgent Capital Services requesting Method of Verification and proper supporting documentation per FDCPA requirements. - 36 days later ( as of today ) : NO RESPONSE received. VIOLATIONS : 1. FDCPA 809 ( b ) : Failure to provide adequate debt validation after multiple requests spanning 60+ days. 2. FDCPA 807 : False or misleading representations to credit bureaus by " verifying '' debt without proper documentation. 3. FCRA 623 ( a ) ( 2 ) and ( b ) : Furnishing unverified, inaccurate information to credit bureaus after dispute. 4. FCRA 611 : Credit bureaus ( XXXX and XXXX ) failed to conduct reasonable reinvestigationthey accepted furnisher 's claims without reviewing actual supporting documentation. 5. INCONSISTENT REPORTING : This account appears on XXXX and XXXX but does NOT appear on XXXX, proving the furnisher can not consistently verify the debt 's accuracy across all major credit bureaus. 6. WILLFUL VIOLATION : Despite my credit reports now showing " Account information disputed by consumer, '' both XXXX and XXXX continue to report this unverified debt. This demonstrates their " verification '' process is a rubber stamp that does not involve actual review of supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: MT

Complaint narrative:
A fraudulent collection account is being reported on my credit report by XXXX XXXX XXXX for {$140.00}, allegedly related to XXXX XXXX. I have never had XXXX services in 2023, as XXXX is not available in my area of Montana. I contacted XXXX directly, and they confirmed that there is no account under my name. This appears to be identity theft. I previously experienced fraudulent activity connected to a former residence in XXXX, Oregon, where someone attempted to open accounts using my personal information. I disputed this account directly with Waypoint Resource Group but have not received any response. This account is inaccurate and does not belong to me. The continued reporting of this fraudulent account is negatively impacting my credit. I have filed an identity theft report with the Federal Trade Commission and am requesting that this account be immediately removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting a complaint regarding funds being withheld by Bank of America following the closure of my account. My account was closed in XX/XX/year> due to suspected fraud. At the time of closure, my balance was {$5400.00}. Of that amount, {$3400.00} was returned to me, but {$2000.00} has been withheld. I was informed that the remaining funds were being held pending an investigation. However, more than three years have passed, and I have not received any updates, resolution, or explanation regarding the status of this investigation or the reason for continued withholding of my funds. I have made multiple attempts to resolve this issue through the banks customer service and investigation departments, but have not received any meaningful response.

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 2026-04-08 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: MOHELA
State: NY

Complaint narrative:
I am submitting a complaint regarding a Public Service Loan Forgiveness ( PSLF ) buyback request that has been pending with my loan servicer, MOHELA, since XX/XX/year>. I have contacted MOHELA monthly for updates and have repeatedly been told that my request is still under review, with no timeline for resolution and no substantive updates provided. This delay is excessive and unreasonable. It is preventing me from making informed financial decisions and may be delaying my eligibility for PSLF forgiveness. I am requesting the following : - Immediate escalation and review of my PSLF buyback request - A clear status update and timeline for resolution - Written confirmation of any outstanding requirements or next steps Despite my repeated efforts to follow up, I have not received any meaningful progress or communication. Please investigate this matter and ensure that my request is processed promptly.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made a deposit of a check on XX/XX/XXXX of an amount of {$8000.00} to which I noticed by XXXX that an admin/exception hold was placed on the deposit. I called the bank and requested explanation to which they indicate that is in their evaluation of the account they found a few overdrafts that occurred throughout the duration of the account being opened. That since the account is less than 2 years old and the few overdrafts they placed a hold on the deposit until XX/XX/XXXX. I asked for a supervisor to which reiterated the same statement and refuse to put me through anyone else higher up. She reiterated that the hold will remain and they have every right to put a 7 to 10 day hold on check for verification purposes which does not coincide with the explanation given to me prior.

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 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: DC

Complaint narrative:
please see detailed invoice. I made a settlement payment and thought this was satisfied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In response to my written debt validation demand, XXXX XXXX XXXX provided an Account Summary Report dated XX/XX/XXXX. That document contained the following disclaimer printed at the top in their own words : This account summary has been prepared by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. It is not a credit card or other account statement from the original creditor. XXXX own response admits what they provided is not original creditor documentation. This does not constitute valid verification under FDCPA 809 ( b ) or FCRA 623 ( b ) per the standard established in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), which requires verification from the original creditor not a self-generated summary. Additionally XXXX initial written communication dated XX/XX/XXXXXXXX failed to include three of the five required disclosures under FDCPA 809 ( a ) specifically the 30-day dispute right, the written dispute verification trigger, and the right to request original creditor information. Despite this inadequate response XXXX XXXX XXXX continues to report an active collection of {$430.00} on my XXXX, XXXX, and XXXX credit files with monthly updates refreshing the derogatory status. As a direct result of inaccurate and unverified negative reporting I was forced to accept a subprime auto loan at approximately 20 % APR in XX/XX/XXXXXXXX requiring my XXXX daughter as cosigner representing approximately {$14000.00} in excess interest charges compared to prime rate financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I made a payment to my Navy Federal credit card in the amount of {$6000.00} to a {$7300.00} balance and the statement was generated XX/XX/XXXX and a new credit update was upcoming XX/XX/XXXX and credit file still reflected 99 % usage on the card and prevented me from getting my auto loan refinanced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Emotional toll has been very overwhelming. I have lost sleep, felt constant stress, and experienced the embarrassment of being turned away by landlords for something that should not even be on my record. This has impacted not only me, but my ability to provide safe and stable housing for my family. This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree to, and I didnt sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. They didnt follow the proper 5-step validation procedure. According to the FDCPA, I am entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: PINNACLE FINANCIAL PARTNERS, INC.
State: NH

Complaint narrative:
On XX/XX/year>, I notice that my available credit was {$0.00} for my First Progress credit card, even though I had {$600.00} left on the card to spend. When I call in to First Progress, I asked the Representative why my available spending limit was {$0.00} and if she could tell me when my closing date is and when they report to the credit agency. She told me, they report anytime they want and that I don't have a closing date. She also told me there was a hold on my account, I asked her why there was a hold on my account when I recently open the account 2 weeks ago. She told me there was no reason for the hold, there is just a hold on my account. She stated that she removed the hold. However, when I call back today XX/XX/scrub>XXXXXXXX and asked why the hold was not removed, the rep I spoke with stated there is another hold on the account due to a return check. Then ask me to send in banking statement with my full account number and routing number that show that the payment was reprocess and successfully went through. When I told him that I'm not sending any banking information to a company that won't tell me why there is a hold on my account, I was told that if I don't send it in, I would have to wait 30 business days along with another 5 business days for the hold to be removed. When I asked to close my account, the " supervisor '' told me that she can close my account but there will still be interest and fees charged until the payment process. When I ask for a timeframe, she told me that she did not know and it will process when it process. This company is not only shady but steal from it's customers. I try resolving the issue multiple times and I get met with disrespect and anger from their end and brush off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Account Number or other information to identify account : XXXX XXXX XXXX XXXX XXXXXXXX address XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX Source of dispute information : XXXXXXXX XXXX Credit card Type of disputed information : credit account/tradeline/late payment Dates associated with item being disputed : XX/XX/XXXXXXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX Explanation of item being disputed : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. There's 3 three late payments on a closed effective XX/XX/XXXXXXXX FCRA Section 623 requires furnishers of consumer information to provide accurate, complete, and timely data to consumer reporting agencies and to correct any inaccuracies when notified. Closed accounts can still report late payments-but only the ones that happened before you closed the account. Creditors cant slap new late payments on a closed account, but they can keep reporting any past delinquencies that occurred while the account was open. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXXXXXX & XX/XX/XXXX. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt.

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 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account Number or other information to identify account : XXXX XXXX XXXX XXXX XXXXXXXX address XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX Source of dispute information : XXXXXXXX XXXX Credit card Type of disputed information : credit account/tradeline/late payment Dates associated with item being disputed : XX/XX/XXXXXXXX XXXXXX/XX/XXXX & XX/XX/XXXXXXXX Explanation of item being disputed : XXXX XXXX XXXX XXXX account XXXX XXXX XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately. There's 3 three late payments on a closed effective XX/XX/XXXXXXXX FCRA Section 623 requires furnishers of consumer information to provide accurate, complete, and timely data to consumer reporting agencies and to correct any inaccuracies when notified. Closed accounts can still report late payments-but only the ones that happened before you closed the account. Creditors cant slap new late payments on a closed account, but they can keep reporting any past delinquencies that occurred while the account was open. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXXXXXX & XX/XX/XXXX. Im now requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: MOHELA
State: PA

Complaint narrative:
My student loans provider placed my student loans in forbearance without my consent. Due to this issue I am unable to have my PSLF forgiven. I have already completed 120 of the qualifying payments but now they are not eligible because of the forbearance.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I woke up to my account being closed by Wells Fargo I immediately called them to rectify the situation and to see if there was anything I could do to keep the account open they told me they would call back in 3 days then within 10 days I never got a call back today I call them and they tell me my account is closed indefinitely and theres nothing I can do I never missed a payment I feel this is isnt right

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 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA
State: NV

Complaint narrative:
Is this fraud and extortion meant to persuade me by ensuring my poverty andhomelessness with my XXXX? No, I am not in " default ''. I am a two-time recipient of Borrower Defense to universitymisconduct, and, as documented and reported, the misconduct persists to this day. This is hardcore fraud on the part of PHEAA, and PHEAA doesn't seem to mind. The US Department of Education is accomplice. Numerous Cease and Desist Orders issued. The fraud and harassment continue. This is the " credit score '' attached to my identity theft and Borrower Defense to academic misconduct, and I take zero responsibility for this fraud, so these frauds can stop disrupting and exploiting my uncompensated time at my age and skill level with these invasions of my privacy predatorily generating revenue from my identity. I never agreed to any such terms and conditions. RE CFPB : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE FTC : XXXX, XXXX XXXX XXXX XXXX XXXX Ombudsman Case XXXX XXXXXXXX Control Number XXXX XXXXXXXX Dispute Case XXXX XXXXXXXX Per XXXX Servicing : No action is needed from you. No. XXXX. Redress for damages and exponential mental anguish. Redress for damages XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX # XXXX ). Redress for damages XXXX, XXXX XXXX XXXX XXXX XXXX ). Redress for damages XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). Redress for damages and exponential mental anguish. United States Department of Education, et al, get these illiterate, ignorant, incompetent, perjurous, panhandling frauds out of my inboxes, get their hands out of my pockets, issue me my earned XXXX XXXX XXXX XXXX XXXX and XXXX, and ensure my full-ride funding at my XXXX XXXX of choice. CEASE AND DESIST. Guide yourselves accordingly. XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX All Rights Reserved Mobile : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as XXXX and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation