vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: SC

Complaint narrative:
I am facing an imminent foreclosure sale scheduled for XX/XX/year>. 

I have been in continuous communication with RoundPoint Mortgage Servicing throughout multiple hardships including XXXX job loss, subsequent unemployment, and the death of my father. 

RoundPoint repeatedly provided incorrect and conflicting instructions, including directing me to pursue a successor in interest process that was not applicable because the borrower is still living. 

I submitted loss-mitigation and hardship documentation multiple times and was repeatedly told documents were not received, despite resending them XXXX times and confirming delivery. 

I was recently instructed by RoundPoint to submit a new hardship application marked urgent and expedited, which I immediately did and copied multiple departments. After submission, I was told there was not enough time to review the application before the sale despite RoundPoints own delays and servicing errors. 

I have a minor child living in the home. I am requesting immediate escalation, a foreclosure sale pause, and a full review of RoundPoints servicing errors and loss-mitigation handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX payment of {$1600.00} was due and should have been paid in full because autopayment was set to pay the full balance each month. Unknown to me the payment was set for a high of {$1000.00}. Even if I had remembered setting this limit months or years ago I wouldn't have worried. I'd assumed a payment of {$1000.00} ( or at least the minimum of {$35.00} ) would be paid. But no payment at all was taken from autopayment. 
I was surprised to see a charge of {$54.00} interest and a late fee of {$29.00} on the next statement. I called BofA and they credited me for those amounts. However, they again neglected to take an autopayment for the balance due on XX/XX/XXXX or even the minimum. I was certain that -- after the complaint about autopayment -- BofA would make sure my autopayment was set as I specifically made clear that I wanted to pay by autopayment. But the new statement charged interest on XX/XX/XXXX of {$19.00}. I complained again. BofA refused to credit the new amount, and the next month an interest charge of {$8.00} was added for a payment due XX/XX/XXXX of {$28.00}. When I called to complain about the {$19.00} I was told that they would reconsider the declanation and get back to me in a coulpe weeks. I have had no reply except to receive my statement.

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 2026-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
This is a formal complaint of unfair mortgage practices by my mortgage company. 

On XX/XX/XXXX, I paid my mortgage online as I always do monthly use same process my debit card. 

On XX/XX/XXXX I received a letter stating they reversed my payment due to no account, even though I have used the same payment method for the since XXXX with no issues. The letter stated account was due XX/XX/XXXX. 

I visited my bank to gather information and to find out what if they withdrawal the funds from bank. I discovered from my bank that SPS was trying to withdrawal funds from a different account. Per my bank rep she stated that they never pulled the money from the account even though it is the same account I have been using since XXXX. She printed the information for me to forward to SPS. I sent SPS an email on XX/XX/XXXX along with information provided by my bank. 

On XX/XX/XXXX, you paid the mortgage using same process was paid online. 

I received another letter on XX/XX/XXXX dated XX/XX/XXXX the payment was reversed due to no account and payment is due XX/XX/XXXX. 

In between written information and my email and multiple telephone calls to their office. They still has not resolved the issue with reason they have not taken out my payment. They keep asking me for my bank account information, which I have provided, however they still insist that it is an invalid account. 


I received another letter on XX/XX/XXXX dated XX/XX/XXXX threatening they are going to foreclose on my home effective XX/XX/XXXX and increasing my interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Someone used my information to obtain a credit card through XXXX XXXX. Used the card, defaulted, now portfolio recover is showing a collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am a former customer of Lowes Synchrony bank. 
on XX/XX/XXXX my bank paid of my balance on Lowes credit card based on amount I was told by customer service at the time. 
However, I received a bill the following week after the bank payment, when I called customer service I was told that this was due to issue with billing circle. 
At this time I asked the customer rep what I needed to pay to close the account completely and was told {$67.00} which was paid and I request the acct closed on XX/XX/XXXX. 

on XX/XX/XXXX, I got an XXXX  alert about negative report on my credit report and upon checking, the report was by Lowes for XXXX  months late payment of {$8.00} of which I was never informed. I called and spoke to the customer service rep and was told this is due to a trailing interest. Then I was transferred to the supervisor at my request who states same thing and that there was nothing they could except to file a complaint on my behalf. My question to the rep was when I called back in XXXX, I was told all I need to pay was the {$67.00} to close my acct. How come am falling into another billing circle when my acct is already closed that I am now owning {$8.00} and have to be reported to credit agency which result into lowering of my score by 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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Prosper Marketplace, Inc.
State: FL

Complaint narrative:
The business has me registered with a different email address, as this is not uncommon as many individuals have more than one email address. Attempted to apply for a personal loan with this business utilizing a different email address. The system produced an error during the process, attempted to reach out to the company via email, they requested that I send a copy of my Driver 's License, Social Security Card through unsecure email back to them. This is the same company that had a security breach incident recently. 

Reluctantly, I submitted the attached information to have my account changed to reflect email address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Subject : Deceptive Fee Disclosure and Violation of Regulation DD Bank of America Description of Issue : I am writing to formally complain about deceptive fee disclosure practices by Bank of America regarding my Checking account. 

On XX/XX/year>, I accessed the Bank of America website/mobile app to review the requirements for avoiding monthly maintenance fees. Instead of providing the specific dollar amounts required to waive the fee or the actual cost of the fee itself, the website displayed placeholders ( XXXX XXXX XXXX ). 

Under the Truth in Savings Act ( TISA ) and Regulation DD ( 1030.4 ), financial institutions are required to provide clear, accurate, and specific disclosures regarding the terms and costs of consumer deposit accounts. By failing to disclose the actual numerical values for these fees and balance requirements, Bank of America has deprived me of the ability to manage my account to avoid financial loss. 

Furthermore, I believe this constitutes an Unfair, Deceptive, or Abusive Act or Practice ( UDAAP ) as it effectively hides the cost of the service until after a fee has been assessed. 

Desired Resolution : Full refund of any maintenance fees assessed during the period where the disclosure was obscured. 

An immediate correction of the digital disclosure to show actual legal currency amounts as required by federal law. 

A formal explanation as to why these amounts were withheld from the interface.

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 2026-01-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone used my information to obtain a credit card through XXXX XXXX. Used the card, defaulted, now XXXX XXXX  is showing a collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
Charles Schwab XXXX XXXX Case Number : XXXX Charles Schwab continues to freeze all my assets and block access to all my accounts even after sending them proof of my identity and complying with all their demands, even after they have been informed of the financial duress and hardship this is causing me. Attached is copy of the the proof of my identity that I send to them per their request.

This may be partially in retaliation and greed. Charles Schwab upset me with excessive delays on all my wires, and so I tried to wire all my funds to a different account. They have responded, possibly in retaliation, my freezing all my assets, which amounts to over {$100000.00} worth of funds including approximately {$81000.00} in my checking that I need immediately in order to complete investments within my 60 day rollover window. Even after notarizing forms and my passport proving my identify and the legitimacy of the funds within one hour of them requesting it, they refuse to close the case and restore access to my funds or provide me an ETA of when restore access to my funds.

I am going to loose over {$250000.00} over the next 7 weeks, and my entire IRA if they do not release my funds immediately, and they refuse to give me an ETA citing 7 to 30 days to resolve. This will cause my to default on loans, to be evicted and homeless, and to lose my business among other. This would permanently make it difficult for to work in my industry ever again, in additional to the {$11000.00} of investment losses per day that I am suffering as a result of not having access to my money. The business that is being destroyed by this is expected provide over XXXX XXXX in revenue over the next 5 years. They have no basis for this asset freezing and for destroying my life. Please make them release my funds immediately. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a Notice of dispute and demand for validation, with 15 days to respond, Navy Federal Credit Union failed to respond. On XX/XX/XXXX I sent a second Notice of Dishonor and Opportunity to Cure, with 15 days to cure the default and Navy Federal Credit Union again failed to respond. On XX/XX/XXXX I sent another Notice of Dishonor and Opportunity to Cure, with 10 days to respond and Navy Federal Credit Union ignored and did not respond. Finally on XX/XX/XXXX I sent Certificate of Dishonor and Default, Navy Federal Credit Union has no proof of ownership of the alleged auto debt. Navy Federal Credit Union is in direct violation of the FDCPA. Navy Federal Credit Union is collecting on a debt, with threats of seizure of property ( auto ) for non payments, they have continued to collect even when I lawfully requested the debt to be validated/certified, I been making payments under duress, not to loose my auto.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: FL

Complaint narrative:
My Wells Fargo credit card ending XXXX currently shows a negative balance ( credit balance ) of approximately {$17000.00}, meaning Wells Fargo owes me this money. On XX/XX/XXXX, I contacted Wells Fargo customer service to request a refund of the credit balance. The representative told me that because the amount is more than {$2000.00}, Wells Fargo can not deposit it directly to my bank account and would instead mail a check. I was told to expect the check within 7 to 10 days. 

As of today ( XX/XX/XXXX ), it has been over 45 days since my request and I have not received any check, tracking information, or a clear timeline for payment. I have not been provided written confirmation of the refund, a check number, or proof the check was issued/mailed. 


I have been deprived of access to approximately {$17000.00} that belongs to me, for more than 45 days beyond the promised delivery window.

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 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: MI

Complaint narrative:
Refusing to accurately report on my credit report. It putting student loans that do not belong to me refusing to remove it off report

Company response to consumer: Untimely response
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo XXXX XXXX account ending in XXXX. Called toll free # and they have a totally buggy implementation of XXXX or XXXX  - even one enters the full account number it doesn't recognize it. Even when one says the voice " my voice is my password please verify me '' -that is buggy. They don't provide any good services and no interest rate. For this useless services they are increasing the minimum balance requirements from {$500.00} to {$2000.00} otherwise {$12.00} or {$18.00} kind of servicing fees. When i opened this account- i had a contract or agreement which clearly states {$500.00} as minimum balance. I would like that grandfathered contract to be honored. Please no need to call me - respond via this case only

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 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inclusion of the following account on my credit report : Creditor : The Bureaus Account Number : XXXX  Status : Unverified Reason for Dispute This account appears on my credit report as Unverified. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that I believe is inaccurate or can not be verified. According to the FCRA, credit reporting agencies must conduct a reasonable investigation and remove any information that can not be validated within 30 days.

Additionally, the FCRA ( 15 U.S.C. 1681e ( b ) ) requires that only accurate and verifiable information be reported. If an account is marked as unverified, it can not legally remain on my credit file. Reporting unverified information is a violation of my consumer rights under the FCRA.

Furthermore, please be advised that failure by the credit bureaus or the reporting company to promptly remove this unverified account may result in legal action. Under the FCRA, consumers have the right to sue for damages if their rights are violated, including the continued reporting of unverifiable information. I reserve all rights to pursue legal remedies should this account not be deleted as required by law.

Request for Immediate Removal Because this account is unverified, I am requesting the Consumer Financial Protection Bureau ( CFPB ) to instruct the credit reporting agency to immediately remove this account from my credit report in compliance with the FCRA. Failure to do so is a violation of federal law and my consumer rights.

Applicable Laws 15 U.S.C. 1681i ( FCRA Section 611 ) : Requires reinvestigation of disputed information and removal of unverifiable accounts within 30 days.

15 U.S.C. 1681e ( b ) : Mandates maximum possible accuracy of information reported.

I respectfully request the immediate deletion of this unverified account from my credit report. Please provide written confirmation of the results of your investigation and the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
My mortage was transfer from XXXX to Freedom Mortage in XX/XX/XXXX. My old mortagecompany made of supplement taxes for XXXX in the amount of {$6500.00} date of check XX/XX/XXXX. Freedom Mortage has this information for the XXXX statement> However I recevied a deliquent notices from the XXXX XXXX XXXX XXXX  stating my taxes of XXXX were not paid. I contact Freedom to search in the error. I retrieve the lost check of {$6500.00} from XXXX due that I do not have account with them was very diffcult to obtain. I fwd the information it to Freedom on XX/XX/XXXX and the detail history to contact XXXX XXXX XXXX department to search the incorrect information, instead they made payment for XXXX taxes 1st installment due XX/XX/XXXX of {$4200.00} which is correct. However they sent addtional payment of {$7300.00} XX/XX/XXXX in error this payment was applied to XXXX taxes after it was already paid and resent another payment of {$7300.00} XXXX on XX/XX/XXXX making a shortage in my escrow of {$4000.00} and raise my mortage payment {$640.00} I provide all the detail information and no resolution to provided me all the payments to forward to XXXX XXXX to refund the duplicate payments recevied. Customer services and tax department in the escalation team have not been helpful. Now they do not want to hold my escrow analysis to correct the amount and I am in the verge to either losing my home due to the incorrect amount mortage applied. My loan number is 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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/year> I saw 5 pending transactions on my debit card, I tried to dispute these charges, however the Chime system said I couldnt make a dispute until the charges were finalized. On XX/XX/year> these charges were finalized so I reached out to Chime and spoke to XXXX last evening at XXXX XXXX. I was told that Chime can not return my money until their investigation is complete in up to 60 days from now. These unauthorized charges total {$480.00}. I can not wait for up to 60 days for my funds to be returned. XXXX told me Reg. E doesnt apply to these transactions but Reg . C does. Reg. C is the regulation governing mortgages not credit/debit card transactions. Also my ATM card has the XXXX  logo on it so XXXX rules should apply. I will finish making a police report tomorrow.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
This account was charged off in 2025 for {$21000.00} and I did not receive a 1099, as Santander received a tax credit for the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Someone used my information to obtain a credit card through XXXX  XXXX. Used the card, defaulted, now XXXX  XXXX  is showing a collection on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief