vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: TX

Complaint narrative:
I am filing a complaint regarding escrow calculation and insurance disbursement issues on my mortgage loan. My account reflects a significant escrow shortage and a large increase in my monthly payment. I am disputing the accuracy of this calculation and requesting a full breakdown of how the shortage was determined. My homeowners insurance transitioned between XXXX and XXXX XXXX. Based on my understanding, XXXX was paid from escrow, while XXXX XXXX submitted for mortgagee payment but has not received payment. Additionally, prior to servicing transfer, my delinquency cure amount was estimated to be significantly higher than the partial claim I ultimately executed. I am requesting documentation showing how that amount was calculated and reconciled. On XX/XX/year>, I received a decision letter offering a partial claim combined with a loan modification. I am concerned that this determination was made using inaccurate escrow and insurance data and without full reconciliation of prior servicing and loss mitigation calculations. My loan is currently under foreclosure review, and I am requesting that no final decision be made until these issues are fully investigated and resolved. I am requesting : * A full escrow breakdown and shortage calculation explanation * Verification of all insurance disbursements and explanation of unpaid XXXX policy * Documentation supporting prior loss mitigation calculations and reconciliation * A corrected escrow analysis based on accurate data * Re-evaluation of any loss mitigation options based on corrected 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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My debit card was never delivered, I asked for a replacement. Chat support XXXX gave instructions on how to request a new one. I asked for overnight, she said it would cost a fee, I said I wanted the fee waived and she said she can not. I followed the instructions and requested the debit card replacement and it said no fee 4-6 business days. Then she made a request for expedited without my permission and charged me {$16.00}. I told her this is a mistake and asked for a supervisor. She said she can not do anything about it and ended the chat. When I tried to re-open any chat, they have disabled my ability to chat by setting my account to " Above EWT Threshold '' ( Estimated Wait Time ) so I can not re-engage.

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 2026-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
Select Portfolio Servicing serviced the loan for my property at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX commencing with purchase of the loan by XXXX XXXX prior to payments commencing in XXXX. Servicing was uneventful until the XXXX claim in XXXX. At that point, in violation of Covid legislation, servicer commenced foreclosure actions while the XXXX was till pending, even to the extent of forcing a Bankruptcy filing to protect the property just ahead of the foreclosure sale date. XXXX brought the loan up to date in XXXXXXXX XXXX XXXXXXXX. However, credit had already been negatively impacted by the Bankruptcy filing, and ultimately three more Bankruptcy filings became necessary to protect the property. Furthermore the servicer additionally violated Covid legislation in failing to report the on time mortgage payment history between XXXX and XXXX, rendering obtaining refinancing impossible. Servicer also proceeded with a fraudulent deed transfer to a wholly owned subsidiary of the owner of the note in XXXXXXXX XXXX XXXXXXXX. This is currently under review for reversal by XXXX XXXX XXXX officials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXXI am filing this complaint regarding two disputed transactions processed through XXXX and charged to my XXXX credit card. Both disputes were denied by XXXX and XXXX despite clear evidence supporting my claims and correspondences addressed to XXXXXXXXTransaction XXXX XXXX XXXX XXXX Refund Policy Not HonoredXXXXI made a purchase from XXXX that clearly stated a 7-day refund policy. I submitted my refund request within that 7-day window, in accordance with their stated termsXXXXThe merchants refund policyXXXXMy timely refund requestXXXXBoth XXXX and XXXX ruled in the merchants favor without properly addressing this evidenceXXXXTransaction XXXX XXXX XXXX XXXX Paid Service Not Provided\n\nI signed up for a service offering a 7-day trial. The next day I was prompted to upgrade to a paid plan for XXXX. I upgraded as instructed Immediately after payment; I lost access to the service. I was advised that I couldn't access service to XXXX for 24 hours because I exceeded its usage, which isn't stated in any policy that I had limits. XXXXI contacted the company but did not receive a resolution.XXXXThis constitutes:XXXXFailure to provide paid servicesXXXXPotential deceptive business practicesXXXXBreach of contract"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bilateral Credit Corp, LLC
State: OH

Complaint narrative:
This is a follow-up to a prior complaint where the company claimed to respond but failed to provide any documentation directly to me. The company claims it responded to this complaint ; however, it has now been over XXXX days and I have not received any response or supporting documentation from them. This is not a minor delay it is a failure to provide validation while continuing to report and attempt to collect this alleged debt. To date, the company has not provided : * Proof of legal authority or assignment to collect this debt * A complete and accurate accounting of the balance * Documentation verifying the accuracy of the amount reported Additionally, the account contains discrepancies in the reported balance ( {$7900.00} vs. {$8000.00} ), further demonstrating that the information being reported is not accurate. By claiming to respond while failing to provide any documentation, the company is avoiding transparency and preventing me from verifying their claims. Despite this, they continue to report this account to credit reporting agencies. This conduct raises serious concerns under : * The Fair Debt Collection Practices Act ( failure to validate and improper collection practices ) * The Fair Credit Reporting Act ( reporting inaccurate and unverifiable information ) I am requesting that the CFPB require the company to either : XXXX. Provide full validation, including proof of authority and accurate accounting, or XXXX. Immediately cease collection activity and remove this account from all credit reporting agencies This issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WV

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX I filed a complaint although this complaint was not resolved. It was closed out. I asked this financial institution to close my account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I assumed the account was closed. My son sent me a {$50.00} out payment and unfortunately, instead of going to my new financial institution it went to this financial institution. Out of the {$50.00} they took {$9.00} due to service fees for an account that I have demanded them close since XXXX of last year. When they refused to refund the {$9.00} I made multiple attempts to contact exes XXXX offices with customer relations because its disgusting. Theyre allowed to continue to rob me. They have left me in complete financial destitution with the last incident I had with this company, forcing me to close my online retail store, which was my only source of income and crippling my son by withholding his Social Security survivor, benefits, which he still trying to work out with Social Security and retaliation after I told them that I was going to file yet another complaint with consumer fraud even though the last complaint I made did nothing later on that afternoon. I received a message from XXXX, which is how I am managing my new online retail store, stating that they were placing a temporary freeze on my account due to a fraudulent flag made by the debit card of PNC, which was never even activated. Ive called everyone down to the president to get a hold of some kind of human being that was able to speak to me, but Im just in the loop where they tell me that theyre going to help me and transfer me to someone that can assist me only to be hung up on. I dont understand how this is even legal considering it is a huge violation of. XXXX XXXX part XXXX and XXXX. They refused to have a conversation with me. They refuse to close my account and now they are claiming fraudulent charges on XXXX account that was never opened to an account that shouldve been closed and XXXX financial institution. They have nothing to do with causing me financial restraint when Im still trying to climb out of the hole that theyve already put me in.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Acorns Grow Incorporated
State: OH

Complaint narrative:
I am filing a complaint regarding unauthorized electronic fund transfers initiated by Acorns ( Acorns Grow, Inc. ) against my checking account. On XX/XX/year>, I discovered an attempted unauthorized withdrawal of {$2500.00}. Upon discovery, I immediately closed my Acorns account and revoked authorization for any further transactions. Despite this, on XX/XX/year>, additional transactions were processed, resulting in approximately {$960.00} being withdrawn from my account without my authorization. I did not authorize these transactions in any form. Following these withdrawals, my account balance was reduced to approximately {$9.00}, and additional fees were incurred, including transfer-related charges, international fee reimbursement entries, and paid item or past due item fees. Additionally, I no longer have access to my Acorns account and am unable to review transaction history or verify any alleged authorization. This situation involves : Unauthorized electronic fund transfers Continued debit activity after revocation of authorization and account closure Financial harm including loss of funds and associated fees Loss of access to account records I reported this matter promptly to my financial institution and requested an investigation under the Electronic Fund Transfer Act ( Regulation E ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint regarding a refund that was issued to my Capital One 360 checking account via debit card but was not properly handled. A transaction of {$200.00} occurred around XXXX XXXX XXXX. The merchant confirmed that a refund of {$200.00} was issued on or about XX/XX/2026 to my debit card ending in XXXX. I have documentation confirming this. Capital One later issued a provisional credit on XX/XX/2026 during my dispute, but then reversed this credit despite the merchant confirming the refund was already processed. The original card ending in XXXX had been replaced with a new card ending in XXXX, and the account was later closed. However, Capital One is responsible for receiving and properly handling refunds sent to closed or replaced accounts. I appealed Capital Ones decision and provided documentation, but I have not received a clear response or timeline. Representatives have been unable to explain where the refunded funds are. As a result, my account now has a negative balance of approximately - {$110.00} ( previously around - {$200.00} ), causing financial harm. I am requesting that Capital One trace the refund, confirm receipt of the funds, and return the {$200.00} to me immediately, along with written documentation of their findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
Yesterday ( XX/XX/year> ) at work, somebody called for me and left a number XXXX and the name XXXX and left a message saying I needed to pay my final move out payment. I then called the number back confused because I had already ended my lease ( XX/XX/year> ) and received my deposit back for said unit. The caller said they were sent from XXXX XXXX XXXX and that I owed XXXX for new carpets and pressure washing even though the unit I lived in had no carpets at all. I followed up by calling XXXX XXXX XXXX and they said they had sent nothing to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was previously Insured through XXXX XXXX. I was on a month to month payment plan where I pay for the month ahead before it starts. I paid for the last month I was insured and then cancelled my policy before the new month began. A week later I received a bill for XXXX dollars which I did not owe. I called XXXX XXXX and they could not explain how I all the sudden owed them but that I just did, I tried to explain that I paid the last month and then cancelled the policy before the start of the next month and did not owe as I was not insured through them anymore. They could not do much more than tell me that I still owed and that it wasn't a mistake and began being unprofessional. I looked at all my records on my XXXX account for the months paid for XXXX XXXX and I was up to date. I have no clue where they are coming up with this extra month. I disputed with XXXX and was able to get the account Deleted, XXXX was also the Collections that started the account. I then noticed that TransUnion had the account still showing on my credit report through them .. I disputed with them and had a similar occurrence that I had with XXXX XXXX. They said I owed it still and I spoke to someone who was not very helpful at all. I am VERY Confident I do not owe this money. Below you will find attached my records of my last XXXX payments to XXXXXXXX XXXX .. they are for the month of XXXX and XXXX and then I began with a new company starting in XXXX. If needed I can verify more in depth the proof that the attached screenshot is accurate and legitimate..

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 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
my identity was used to make unauthorized accounts beginning. possibly earlier. for the past year ive been trying to notify XXXX XXXX XXXX and the credit bureaus etc. sofi i recently tried to make an account to setup a checking/savings acct it said my ssn was incorrect assuming an account was made in my name without my permission. i called sofi they said i have an acct with a balance of {$64.00}. not my authorization but its {$64.00} i can pay it they then said they cant give me the account since they cant prove my identity. for the obvious of identity theft ive tried numerous times to get this resolved including calling email XXXX XXXX for them to fix this bypass whatever needs to be overridden to open the account they never responded to me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX on XX/XX/XXXX. I was financed by Capital One. I assumed the XXXX was in my name and Capital One had the title. On XX/XX/XXXX, I went to get a tag for the XXXX. I could not get a tag for the vehicle because the title was not changed to my name and the XXXX had a previous lienholder. The dealership never paid off the previous lienholder when they received possession of the XXXX Capital One never informed me of any title problems. The money I paid the dealership for the tag, tax, and title was never paid to the XXXX of XXXX. I contacted Capital One because I was paying them for a XXXX they did not have the title for. In XXXX I called Capital One and asked them for help getting the title paperwork from the dealership, so I could get a tag for the XXXX They explained to me, they could not help me. I told them, I was paying them for a truck they did not own. They still refused to take any action. I made contact with the dealership and they refused to pay off the previous lienholder. In XX/XX/XXXX, I filed an online complaint with Capital One and sent them a certified letter, informing them I was paying them for a XXXX they did not have the title for. I asked them for help getting the title corrected, so I could get a tag for the XXXX. They told me it was up to me to correct all that with the dealership. In XXXX XXXX, I was notified the dealership paid off the previous lienholder. They never submitted the title paperwork to the state of XXXX. The XXXX of XXXX released the title for the truck to the previous owner. At this time, Capital One wants me to continue paying them for a XXXX they do not own and can XXXX XXXX because I can not get a tag for it. I have tried several times to get them to help get it corrected, but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am writing to escalate my previous complaint against Credence, originally filed under complaint number XXXX. The company 's response was wholly inadequate, failing to provide a substantive answer or demonstrate compliance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the response I received was categorized as 'Unknown ' and included no substantive information or resolution of the issues I raised. In my initial complaint, I highlighted several violations of the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ), including the failure to conduct a reasonable investigation into disputed information on my credit report and continued attempts to collect a debt that was not validated. The company did not address these claims, thereby failing to comply with their statutory obligations. Under the FCRA, a creditor is required to conduct a reasonable investigation when a consumer disputes information. Credence 's lack of substantive response indicates a failure to meet this standard, suggesting negligence or willful non-compliance under XXXX and XXXX. Furthermore, under the FDCPA, Credence is required to cease collection efforts until the debt is validated. Their ongoing collection attempts without proper validation violate XXXX of the FDCPA. I have provided all necessary personally identifiable information ( PII ) to facilitate this investigation, including my full name, address, and date of birth. My credit scores, which remain adversely affected, are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, illustrating the ongoing impact of these unresolved issues. I demand that the CFPB take enforcement action against Credence for their continued pattern of non-compliance. I request that the inaccurate information be deleted from all credit bureaus immediately and that all collection activities cease until proper validation is provided. Additionally, I reserve my rights to seek damages under XXXX, XXXX, and XXXX for Credence 's willful and negligent violations. It is imperative that the CFPB hold Credence accountable to ensure compliance with federal consumer protection laws and prevent further harm to my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XXXX XXXX ( Comenity ), is the company, I qualified for XXXX Months for deferred interest rate and the sales rep upsold me so that I qualify for XXXX Months instead of XXXX Months deferred interest rate. Essentially, if i would pay a little I can get the long term to pay them back. Unfortunately, this did not happened in the system and I was stuck with paying an additional {$3000.00}. I requested the original documentation for the order and the merchant would never provide the details of the transaction. Since then, I pay off XXXX percent of the balance to protect my credit. I need help here to resolved this matter, I feel like there was a switch on me for some compensation gain on their end. I want to get my {$3000.00} back from this merchant. I sent multiple emails and I am getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation