vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: RCN Capital, LLC
State: MD

Complaint narrative:
Good day, I am writing to request help to obtain a payoff for XXXX XXXX XXXX. I need payoff to prevent foreclosure and the risk of loosing my job. I am begging for assist me with providing a payoff or reinstatement. If possible, can the lender accept a short sale, deed in lieu? My careerdepends on the sale of thisproperty. I have XXXX XXXXXXXX XXXX. If the foreclosuretakes place on XX/XX/XXXX I will have my XXXX XXXX. This is my livelihood. I have XXXX children and an XXXX mother that depends on me. I defaulted on the loan as of XX/XX/XXXX. Immediately I tried to sale home in the XXXX XXXX but did not find a buyer this happen in early XXXX of XXXX. Sale has been extremely challenging due to market slow down, property condition ( property is a XXXX ) and lender not responding on time when under contract. So, I was determine to sell and employed XXXX XXXX XXXX. XXXX XXXX XXXX marketed the property and initially it did not sale but they relisted and the second time we had a buyer ( XXXX XXXX ) we lost the contract due to lender not providing payoff on time for closing and when they finally provided payoff amount we were out of contract and amount was higher than purchase price, could not sale due to shortage.Contract price {$190000.00} and payoff {$190000.00} not including closing cost. Property was purchased with the intent to fix and rehab but the home had sinking floors with no crawl space. This called for total teardown tofix the sinking home. My renovation project went from {$45000.00} to {$130000.00}. In addition the inflation cost for materialand labor skyrocketed and my work also suffered a total slow down due to markettrends and Federal shutdown. I have tried to do what's right so I lived and completed some work to the property wiping my live savings. Nevertheless, doing what's right hasnot been enough to exit out of this project. The sale of this home is to the best interest of the lender and myself. Lender Per our last phone conversation with XXXX, confirmed that the foreclosuredate is XX/XX/XXXX. I have numerous emails asking for several months the payoff my concern is I will not have enough time to close on the sale prior to foreclosure. I am begging you please to assist me with providing a payoff or reinstatement. If possible, can the lender accept a short sale, deed in lieu? I have not been able to secure any new job in the same line of business due to my credit impacted. I have remained in touch with XXXX buyers and they are just waiting on updated payoff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investor. Need an updated payoff good thru XX/XX/XXXX so I can make the sale happen. I am willing to supply any documents required by lender. Please discuss with Lender and let me know what options I have.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My rights were violated as a consumer under XXXXUSC1681B and I need them blocked and deleted from my report ASAP

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
On XXXX2025, I found out my Citizens Bank account was compromised in a sophisticated fraud attack totaling approximately {$7000.00}. At the time of the breach, my account balance was only {$5.00}, yet the bank permitted five large unauthorized transactions to process, resulting in a massive negative balance. These transactions included three forged checks ( two for {$1500.00} each and one for {$2500.00} ) and two unauthorized electronic transfers ( one {$1000.00} XXXX XXXX transfer and one {$500.00} Zelle-style transfer XXXX. I took immediate action the same day by calling the bank and visiting the XXXX XXXX branch in person, where I surrendered my physical debit and XXXX XXXX cards to employee XXXX XXXX for destruction. Furthermore, my XXXX XXXX account was subsequently closed by the platform due to this unauthorized activity. I have filed a formal police report regarding this fraud with XXXX XXXX, XXXX XXXX XXXX. Although Citizens Bank acknowledged the fraud regarding the {$5500.00} in forged checks and reversed those items, they are refusing to honor my protections under Regulation E ( 12 CFR 1005.6 ) for the {$1500.00} in electronic transfers reported on the day of discovery. Consequently, they have illegally placed a fraudulent debt of {$1400.00} into collections with XXXX XXXX XXXX ( Ref # XXXX ). I request that the CFPB investigate this violation and compel the bank to recall the debt and credit my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I talked to the creditor about the original amount asked them if they could lower the payment so it doesnt affect my credit. They said because it was sold they need the original amount

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex closed my billing dispute incorrectly even though I provided proof of not getting a legitimate shipment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: IA

Complaint narrative:
I have federal Direct Consolidation Loans ( XXXX and XXXX ) serviced by Edfinancial. My original loans entered repayment on XX/XX/XXXX, confirmed across multiple loan records in the XXXX XXXX XXXX XXXX XXXX ( XXXX ). Under the XXXX XXXX XXXX rules, this date serves as XXXX XXXX of my XXXX qualifying period for XXXX XXXX forgiveness. My XXXX records also show a continuous XXXX period from XX/XX/XXXX through XX/XX/XXXX over XXXX years, well exceeding the XXXX-consecutive-month threshold that qualifies for full XXXX Account Adjustment credit. Counting all qualifying months from XX/XX/XXXX through XX/XX/XXXX totals exactly XXXX months, meaning my discharge was legally earned in XX/XX/XXXX. This effective date is critical for tax purposes. Section XXXX of the American Rescue Plan Act of 2021 ( Public Law 117-2 ) excludes student loan discharges from gross income only if they occur before XX/XX/XXXX. A discharge processed with a XXXX effective date would expose me to a significant tax liability on approximately {$46000.00} in XXXX debt. On XX/XX/XXXX, I filed a formal Notice of Dispute with Edfinancial requesting the effective date be corrected to XX/XX/XXXX. On XX/XX/XXXX, I submitted supplemental evidence including my XX/XX/XXXX XXXX data file and supporting statutory analysis via fax. I have received no response or confirmation from Edfinancial. I also attempted multiple times on multiple devices and browsers to file with the FSA Ombudsman through studentaid.gov, but the system showed as unavailable every time. When I called studentaid.gov, staff incorrectly told me no fax or mailing address existed for the Ombudsman information I later confirmed was wrong. A XX/XX/XXXX opt-out deadline is approaching, and I am at risk of either losing the discharge entirely or receiving it with an incorrect effective date that creates a substantial tax burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX business checking account ending XXXX has been restricted/held since XX/XX/year> and Truist states the account is closed. Truist has withheld business funds without providing a clear written explanation, written checklist, or firm written timeline. Truist stated it issued a check for {$2600.00} but it was never received ( lost in transit ). Truist is also withholding {$2400.00}. We provided the original mobile-deposited checks and the vehicle transport contract in-branch, yet funds remain withheld. Key contacts : XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX XXXX ; XXXX ), XXXX XXXX Truist XXXX XXXX ; XXXX ; contacted us but is nonresponsive to return calls ), and Check Fraud Resolution ( XXXX ). On XX/XX/year> at approximately XXXX PM, the Truist mobile app showed Checking XXXX with an Available Balance of {$5100.00} as of XX/XX/year>. The account history confirmed active, normal business use : mobile deposits of {$1300.00}, {$700.00}, and {$700.00} on XX/XX/year> ; an {$800.00} XXXX XXXX XXXX deposit and XXXX {$500.00} mobile deposits on XX/XX/year> ; and regular XXXX business payments throughout XX/XX/year>. After we emailed Truist with screenshots demonstrating the funds were still reflected as available in their own app, Truist altered the app : by XXXX XXXX the same evening, the balance showed {$0.00} and XXXX internal debit adjustment entries had appeared XXXX ( - {$2600.00}, pending XX/XX/year> ) and XXXX ( - {$2400.00}, pending XX/XX/year> ) totaling exactly {$5100.00}, the precise amount previously shown as available. Truist subsequently removed our mobile app access entirely. Truist also required letters from paying/issuing banks stating the check was issued and " will not return '' and said " screenshots will not be accepted '' ( per written email ). Requested resolution : ( XXXX ) Immediate reissue/payment of {$2600.00} with tracking or ACH to our designated external business account ; ( XXXX ) Immediate release/return of {$2400.00} or written basis and firm deadline ; ( XXXX ) Written accounting and final disposition.

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 2026-03-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
I am trying to get on an income driven repayment plan for my XXXX student loans. On XX/XX/XXXX, I submitted documents via fax that I was asked to submit to be considered for a income-based repayment plan for my student loans that are in default. A month later, I followed up and was told the document I submitted were not legible. I was told to resend the physical copies to the Default Resolution Group 's mailing address. I physically mailed my pay stubs and required paper work on XX/XX/XXXX as requested. As of today, XX/XX/XXXX, I called to follow up and was told that " my documents were not reviewed in time '' and that the issues needed to be " escalated ''. I need a repayment plan in writing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Complaint Regarding Prepayment Penalty and Hard-Money Loan PHH Mortgage Loan # XXXX Dear CFPB, I am writing to formally submit a complaint regarding a mortgage loan serviced by PHH Mortgage on the residential property located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Background : My former spouse, XXXX XXXX XXXX, passed away on XX/XX/year>. Shortly before his death ( approximately 2 months prior ), he took out a hard-money loan on this property. I was not on title at the time and did not sign the loan, nor was I informed of it before his death. After his passing, I became the successor in interest, and my son is the beneficiary of the estate. Issues : Misclassification of Loan : The lender labeled this as a commercial loan. In reality, the property is a residential home, and the funds were not used for business purposes. This misclassification appears to be a tactic to enforce extremely high prepayment penalties and avoid residential borrower protections. Excessive Prepayment Penalty : The loan includes a prepayment penalty that is extremely high relative to the principal. I am seeking to refinance to lower the interest rate and stabilize the property, but this penalty makes it financially prohibitive. The penalty appears unreasonable and possibly unenforceable under California Civil Code 1671 and applicable federal protections. Failure to Communicate : Since notifying PHH of my successor status, I have made repeated attempts to obtain account information and discuss resolution for over several months via phone and email, with no substantive response. This has created significant financial and emotional hardship, and late fees continue to accrue due to their lack of communication. Request : I respectfully request that the CFPB : Investigate the enforceability of the prepayment penalty given the loan misclassification and residential status. Require PHH Mortgage to waive or reduce the excessive prepayment penalty to allow refinancing. Review PHHs failure to respond promptly to my communications as a successor in interest. Assist in resolving this dispute so that I can stabilize the property and protect my familys interest. I have attached supporting documentation, including : Proof of death Proof of successor in interest Loan statements and communications with PHH Thank you for your attention to this urgent matter. I am seeking a fair resolution and assistance in ensuring PHH Mortgage adheres to federal and California protections for successors in interest and residential borrowers. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Ive talked to the creditor about my account so it didnt go into collections they wouldnt work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Informative Research
State: TX

Complaint narrative:
I did not apply to these. If they have my tax return then its possible it could be the lady i am currently suing. I applied to a lease to move in XX/XX/XXXX. Im currently suing a lady named XXXX XXXX due to having my pay a deposit and sign a lease which I got scammed and was not allowed to move into the lease. It was a fake rental listing. So I am suing her for my deposit back I did submit me and my fiancs tax documents and ID to this lady as i thought i was applying to a lease and those are proper documentations. Im telling you I did not authorize this transaction! Thats the only thing I can think as far as submitting tax documents. She scammed me on a lease and had all documents that included our full SSN on our tax documents!!! Do an actual investigation because my fiance and i applied to move into a rental on XXXX and got scammed out of XXXX deposit then before we know it all the sudden this is applying for a home loan and a bunch of random hard inquiries on our credit. Its not even our emails and those emails are not even active or real! XXXX XXXX address is on my credit which means she applied to credit cards too and tried to have them deliver to her home listed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attached a screenshot of me disputing XXXX XXXX address from my credit profile and XXXX deleting it. Im telling you i did not authorize this. I have reason to believe it was this lady especially after seeing her home address on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The company Navy Federal closed and charged off my accounts XXXX XXXX without providing me a 1099C. And it is still reporting on my credit negatively.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Complaint Description : I am filing this complaint against XXXX XXXX and the above-listed consumer reporting agencies for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. An alleged XXXX XXXX account is being reported on my credit file. I dispute the accuracy and validity of this account. I have requested proper verification ; however, the account continues to be reported without sufficient evidence that it is accurate, complete, or legally enforceable. Under 15 U.S.C. 1681s-2 ( b ), a furnisher of information must conduct a reasonable investigation upon notice of a dispute. Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. To date : I have not been provided proof that I authorized or agreed to the service. I have not been provided a complete billing and payment history. I have not received documentation establishing XXXX XXXX legal right to collect or report this account. There has been no competent evidence verifying the account is not obsolete under 15 U.S.C. 1681c. Despite this lack of verification, the account remains on my credit report. Continued reporting of unverified or inaccurate information may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute information that can not be verified as accurate and complete. The accounts in dispute are : XXXX XXXX XXXX Closed Account XXXX XXXX XXXX Closed Account XXXX XXXX Closed Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Closed Account XXXX XXXX XXXX Closed Account XXXX / XXXX XXXX Closed Account Pursuant to 15 U.S.C. 1681i ( a ), I am requesting a full reinvestigation of these accounts. Please provide competent verification, including : A copy of the original signed contract or application Proof of legal ownership or assignment of the alleged debt A complete and accurate payment history Verification that the reporting complies with 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( accuracy requirements ) Additionally, if any of these accounts are being reported by third-party collectors, they must comply with the FDCPA ( 15 U.S.C. 1692g ) by validating the debt. If you are unable to provide the required verification within the 30-day timeframe, you are required by law to delete the accounts from my credit report Consumer Information : XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
XXXX had been reporting 2 colletion accounts on my credit reports for all 3 agencies in the amounts of {$46000.00} & {$52000.00}. I have proven in court that they are not mine and XXXX did not show up to dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I a filing a complaint regarding a disputed transaction/refund on the amount of {$3100.00} for several dates since XXXX made through XXXX XXXX using my chase card. The merchant issued a refund for some of the dates but chase then took the refund back and refused to credit my account. I have reached out to chase multiple times and was told they will not be refunding my account and have closed the case. I believe this violates my consumer rights because this was based on fraudulent charges and I was not refunded. I am requesting that chase properly investigate and credit my account.

Company response to consumer: Closed with explanation