vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
XXXX XXXX sold my mortgage after @ 12 years and to a company with a less than sterling history. Freedom Mortgage Company. I had no problems in all the years with XXXX XXXX suddenly every other month it's something. A fee, then another fee. Now suddenly my payments go up. Both Companies use the phone mail system to discourage complaints. Call and I get a run around. Just got off the phone with Freedom, over an hour to get some kind of answer, and the fee question was not answered. Look I'm XXXX, I'm not that good with computers, and this gets annoying very quickly. I don't expect you can do anything other than send a letter, But this kind of thing should be illegal. I got my loan from an allegedly VA approved lender. It was sold in the first month. Sold again, and Sold again. Then XXXX XXXX got it and all was relatively well for many years. Now this. I hope you can do something. 
Thank You

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 2026-01-29 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: Monterey Financial Services LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Americor Funding, LLC
State: CA

Complaint narrative:
" Americor Financial enrolled me in a debt settlement program XX/XX/year>. On XX/XX/XXXX, rep XXXX confirmed removal of three non-Chase accounts ( XXXX XXXX XXXX, XXXX XXXX ). Rep XXXX escalated unwind XX/XX/XXXX ; rep XXXX confirmed unwind XX/XX/XXXX but claimed removal requires 'proof of payment ' ( contradicts agreement ). I revoked authorization XX/XX/XXXX ( attached ). Office of the President ( XXXX XXXX ) offered call XX/XX/XXXX, no response to XX/XX/XXXX follow-up. Portal still shows XXXX XXXX enrolled ( screenshots attached ), no fees charged but delays removal/cancellation. Chase refuses direct communication due to authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Went to bank to close and transfer money from an interest baring account to an investment account. Specifically told the banker to provide the interest before closing account. They closed account before interest was applied ( {$210.00} ). They have refused any comment, left several voicemails, went back to bank and was given the runaround. They said give it a couple more days to show in the account. They realized that they made costly mistake and called after hrs and said to deposit {$1.00} in account so the interest will be credited. After another week passes, no credit or explanation and avoiding all left messages. So frustrating. This isnt the first time a similar issue has happened but was a much smaller amount.

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 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sezzle Inc.
State: AL

Complaint narrative:
I am submitting this complaint because a debt is being reported and treated as unpaid even though it was paid in full. 

This account was originally with Sezzle. The debt was later sold or assigned to XXXX. I paid the full balance directly to XXXX, and I received written confirmation stating that the account was paid in full. 

Despite this, Sezzle has refused to provide a paid-in-full letter and continues to treat the account as unpaid. As a result, my lender is stating that the debt is still open, which is preventing me from moving forward with financing. 

I am requesting that Sezzle and any related parties : 1. Correct their records to reflect that the debt was paid in full 2. Provide written confirmation showing a zero balance 3. Stop reporting or treating this debt as unpaid with any lender or credit reporting agency I have documentation showing payment and the paid-in-full confirmation from XXXX. I am asking for this issue to be formally investigated and resolved. 

XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received another statement from XXXX XXXX re : Account XXXX  XXXX stating balance as XXXX XXXX is far from full and proper validation in accordance with FDCPA 809b.XXXX XXXX has failed to provide the required validation under FDCPA 809b.I submitted 2 validation requests via certified mail return receipt requested ; - XXXX  XXXX - XXXX XXXX Courts and requlators consider reporting an unvalidated debt to consumer reporting agencies as a form of collection activity. Continuing to report on a unvalidated is considered a violation of the FDCPA. 
Once a debt collector receives a written dispute within 30 days of their initial contact, they must cease all collection efforts-including reporting to the credit reporting agencies. 
I understand that XXXX XXXX has no period of time to validate.However, it imposes a cease collection bar, which is in effect until they do indeed validate. 
Therefore, XXXX XXXX remains under the cease collection bar and should remove Account XXXX XXXX from my XXXX XXXX and XXXX  credit reports immediately. 


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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 2026-01-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I am filing this complaint due to ongoing loss mitigation delays and a lack of good-faith review by my mortgage servicer. The mortgage was defaulted in XX/XX/XXXX. A modification application was submitted by XX/XX/XXXX. It is currently the end of XX/XX/XXXX, and now I am receiving information that I've been referred for foreclosure due to lack of completed documents. 
I have repeatedly submitted requested documents for loss mitigation, only to be told the documents are missing, outdated, or need to be resubmitted. This has resulted in repeated document requests for the same information, causing unnecessary delays and confusion. 
Despite my continued cooperation, I have not received a clear decision or meaningful update on my loss mitigation application. I do not believe my application has been reviewed in good faith, as each time I comply, new or duplicate requests are made without explanation. 
These delays place me at imminent risk of foreclosure, even though I am actively seeking assistance and have made every effort to comply with the servicers requirements. 
I am requesting that my loss mitigation application be properly reviewed by a qualified representative, that foreclosure activity be halted while this review is completed, and that I receive clear, written communication regarding my status and next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied for and used a XXXX XXXX credit card on XX/XX/year>. Shortly after, the issuer suspended my account due to security concerns. While the account was suspended, I did not receive billing statements and did not have online access to the account. 

I later discovered that interest ( {$3.00} ) and late fees ( {$30.00} ) were charged during this period. When I contacted customer service, they only partially refunded the fees ( {$15.00} credit ), despite the account being inaccessible due to a security hold initiated by the issuer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation
State: NY

Complaint narrative:
On XX/XX/XXXX, I authorized a {$5.00} donation to a fundraising campaign processed through XXXX. I did not authorize a {$500.00} charge. The amount charged did not reflect the amount I reviewed or intended to submit at the time of payment. 

I reported the unauthorized amount promptly. My dispute was formally acknowledged by XXXX on XX/XX/XXXX. I completed and returned all requested dispute documentation within the required timeframe. 

I did not receive provisional credit, nor did I receive timely written notice explaining a delay as required under Regulation E. 

On XX/XX/XXXX, XXXX denied my claim. I did not receive effective notice of this denial until later, after repeated attempts to obtain status updates. When I referenced Regulation E and provisional credit requirements, a call was disconnected and escalation was refused.

After the denial, I obtained new information indicating that the fundraising platform ( XXXX ) intervened in the campaign. Multiple other donors were refunded, and the campaign has since been deactivated by the platform. This strongly indicates that the campaign presented issues affecting multiple consumers. 

Despite this new evidence, my dispute was denied based solely on the merchants assertion that the charge was authorized, without addressing unauthorized amount / misrepresentation or reconsidering the claim in light of platform action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
In XX/XX/year>, my TD Convenience Checking account became overdrawn by approximately {$50.00} due to a timing issue with my paycheck. I have been a TD Bank customer since I was XXXX XXXX XXXX, almost 10 years, and have never previously overdrafted my account. 

Between XX/XX/XXXX and XX/XX/year>, TD Bank charged multiple overdraft fees of {$35.00} each, totaling {$100.00}, as well as a {$15.00} service charge, bringing total fees to {$120.00}. These fees were applied while the account remained overdrawn for a short period and continued to compound daily. 

The original overdraft was caused by routine charges, including an XXXX XXXX XXXX  payment and small XXXX installment transfers, while I was awaiting my paycheck, which was scheduled to arrive shortly after. I contacted TD Bank customer service to request a courtesy refund due to my long-standing account history and the fact that this was my first overdraft. I was told that nothing could be done and no refund was offered. 

I believe these fees are excessive given the small overdraft amount, the short duration, and my long history of good standing with the bank. I am requesting that TD Bank review this situation and refund the overdraft fees as a one-time courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I financed a XXXX  purchase through XXXX XXXX XXXX using a Comenity Bank promotional credit account that was explicitly marketed as a no-interest, deferred-interest plan for a fixed promotional period. Relying on these representations, I made consistent monthly payments in good faith and maintained the account in good standing throughout the promotion. 
At no point was I clearly, prominently, or adequately informed that failure to pay the full remaining balance by the exact promotional expiration dateeven after making regular paymentswould trigger retroactive interest applied to the entire original purchase amount rather than only to the remaining balance. 
When the promotional period ended, Comenity Bank abruptly assessed approximately {$11000.00} in retroactive interest, resulting in a sudden and substantial increase in my account balance. This charge was unexpected, disproportionate to the remaining balance, and inconsistent with what a reasonable consumer would understand based on the disclosures provided at the time of financing. 
I contacted Comenity Bank multiple times to dispute these charges and requested a goodwill adjustment or partial removal of the retroactive interest, emphasizing my consistent payment history and the lack of clear disclosure regarding the true nature of the deferred-interest terms. Despite these efforts, my requests were denied without meaningful investigation, explanation, or consideration of the circumstances. 
I am submitting this complaint because I believe the deferred-interest terms were misleading and insufficiently disclosed, and the retroactive interest charges imposed are unfair and punitive given my good-faith payment behavior. I am requesting removal or a significant reduction of the retroactive interest and a fair correction of my account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I canceled the underlying contract within the legal cancellation period XX/XX/year> before funds were ever transferred to the company in question XXXX XXXX. Funds were transferred directly to the company even after cancellation and never received services. I requested XXXX XXXX to return the full amount of the funds and they sent a partial payment acknowledging that the contract was cancelled. Comenity Capital Bank says I received services for an Opthamology procedure which is also incorrect, I received NO services. Comenity Capital Bank  admitted the account was sold but failed to validate the debt. This company has had several complaints. 

Ive requested the items listed and theyve provided no contract, proof of services, or tax documentation, yet continued reporting the account as accurate. I tried to dispute with XXXX  and they are saying that its been verified yet none of the information has been verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am requesting clarification for the record. 

Please identify the lawful basis, evidentiary authority, and method of verification by which you assert that I stand in the position of a borrower or debtor in relation to the account you are reporting. 

Specifically : 1. What original, wet-ink contract, bearing my knowing and voluntary signature, establishes me as a borrower rather than a creditor or lender in this transaction?

2. What competent witness with first-hand knowledge verified this account, and by what exact method ( manual review versus automated system )?

3. What proof do you possess that this obligation exists within my lawful capacity, rather than as a presumption outside covenant and consent? 

For clarity, my standing is that of a lender and not a borrower. Any claim to the contrary requires strict proof. Absent such proof, continued reporting or collection constitutes an unverified and inaccurate assertion. 

Please respond with documentary evidence, not conclusions or summaries.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE XXXX 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 non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP
State: NC

Complaint narrative:
I was notified after my second appeal verdict from unemployment dispute 's final decision in my favor to start receiving unemployment insurance benefits. I checked ATM machine and no available balance?!

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 2026-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MN

Complaint narrative:
I have asked multiple times for specific information regarding a refund that was issued on XX/XX/XXXX. I have also asked them to examine another account that states XXXX extra payments were made according to XXXX. That payment was approx {$50.00} a month, so in truth, the refund should be approx {$3500.00} or they should be able to provide me an accounting to show how the refund was figured. Here is the last email I sent : Original message : Subject : Status Request : Refund Disbursement and Treasury Transmission Message : " I am writing to request a status update on a pending refund for my account. 

According to my records, a refund was authorized following my PSLF discharge / recent overpayment ]. I would like to verify the following specific details : Transmission Date : Has the refund request been transmitted to the XXXX XXXX XXXX XXXX XXXX? If so, on what date? 

Transaction Codes : Does my account currently reflect Code 660 ( Refund Issued ) or Code 846 ( Refund Approved )? 

Disbursement Method : Can you confirm if the refund is being issued via Direct Deposit to the account on file or via a paper check from the Treasury? 

Reference Number : Is there a Treasury Trace Number or a specific Refund Request ID available for this transaction? 

If the request has not yet been sent to the Treasury, please clarify if there are any outstanding XXXX XXXX ' requirements or manual reviews holding up the process. '' ________________________________________ To all of these questions and in multiple tries to get answers, even when XXXX says I need to talk to them, Mohela provides a form letter that is essentially no answers. I am attaching the letter. Basically, there customer service is criminal. 
_________________________________________ Subject : Forgiveness Received Date : XX/XX/XXXX Thank you for contacting MOHELA, Refunds are sent by the XXXX XXXX XXXX XXXX  and returned in the manner in which they are received by MOHELA. 

Refunds can take XXXX business days or more for processing. Please note, MOHELA can not verify processing times on behalf of XXXX XXXX XXXX XXXX. 


If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX a.m. to XXXX p.m., Tuesday through Friday XXXX a.m. to XXXX p.m., and Saturday XXXX a.m. to XXXX p.m. ET Thank you, MOHELA

Company response to consumer: Untimely response