vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
I am reporting a systemic pattern of administrative negligence and the potential misapplication of government relief funds by my mortgage servicer. My audit of public records reveals that the servicer has repeatedly failed to record legal instruments in a timely manner, which has directly resulted in the loss of homeownership opportunities and the denial of mandatory federal benefits. 1. Chronic Recording Delays & Pattern of Negligence The servicer has demonstrated a long-term failure to maintain accurate public records. My initial mortgage was signed on XX/XX/XXXX, yet the servicer waited 19 months to record the assignment ( until XX/XX/XXXX ). This pattern was repeated when I signed a Loan Modification Agreement on XX/XX/XXXX. The servicer failed to record this modification for XXXX months, finally filing it on XX/XX/XXXX. XXXX. Denial of Mandatory XXXX Benefit Due to the XXXX " black hole '' created by the servicer 's failure to record my XXXX modification, my account status was inaccurately reflected in federal systems. As a result, I was never evaluated for the mandatory VA XXXX ( XXXX XXXX XXXX XXXX ) program during its implementation window ( XX/XX/XXXX XX/XX/XXXX ). This program would have provided a 2.5 % interest rate, a benefit I was entitled to but was denied solely due to the servicer 's administrative delays. XXXX. Misapplication of Government Relief Funds ( $ XXXX ) In XXXX, the servicer obtained a {$24000.00} VA Partial Claim on my behalf. Additionally, I received a grant from the Indiana XXXX XXXX XXXXXXXX ( XXXX ) for approximately {$35000.00} ( as evidenced by a mortgage held by the XXXX ). Despite these two separate injections of government relieftotaling over $ XXXX principal balance was never reduced to the level mandated by these programs. It appears these taxpayer-backed funds were misapplied to cover fees and interest that accrued specifically because of the servicer 's recording delays. 4. Foreclosure on Clouded Title & Outdated Authority The servicer filed for foreclosure on XX/XX/XXXX ( Case No. XXXX ). In this filing, the servicer admits to an unreleased XXXX senior lien that constitutes a cloud on the titlea defect that existed when they applied for my federal Partial Claim funds. Furthermore, the XXXX Assignment used to establish their standing cites an outdated XXXX Power of Attorney, despite the fact that a newer XXXX Power of Attorney was already of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I made a payment to modify my monthly mortgage and they applied the payment incorrectly. I have them on a recorded line multiple times telling me that the payment would correctly be applied. It was not. I have followed up with them multiple times since XXXX and they said they would fix their " clerical error. '' They did not. I have them on a recorded line saying it was their fault and it would be corrected. It has not. I reached out again and was told their was nothing they could do at this time, and if I dont just deal with it I could lose my house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: CITIBANK, N.A.

Complaint narrative:
Dear CFPB Team, I am writing to formally escalate my unresolved Citi credit card dispute cases due to the urgency, financial impact, and inadequate resolution through standard dispute channels. * * Dispute Details : * * * Dispute ID XXXX : XXXX ( Forced / Coercive Charges ) * Dispute ID XXXX : XXXX ( Duplicate Unauthorized Charge ) * * Summary of Concern : * * This case involves a car rental transaction booked via XXXX, where the confirmed amount due at pickup was USD XXXX. However, under coercive circumstances late at night at XXXX XXXX XXXX, I was forced by the merchant to purchase additional insurance despite providing valid existing coverage. Due to the situation ( late night arrival after a XXXX international journey, off-airport location, and lack of alternatives ), I was left with no practical choice but to comply. This resulted in an inflated charge of USD XXXX. I am disputing : * USD XXXX ( forced additional charges ) * A separate * * duplicate charge of USD XXXX * *, which is clearly unauthorized and appears to have been processed using the same supporting receipt * * Serious Concerns : * * * Coercive merchant practices under distress conditions * Misrepresentation of pricing at the time of booking * Processing of duplicate charges despite dispute being raised * Inadequate review outcome despite submission of documentary evidence * * Actions Already Taken : * * * Immediate email communication with the merchant requesting cancellation * Submission of insurance proof ( XXXX XXXX ) * Multiple follow-ups with both the merchant and Citibank dispute team * Supporting documentation already provided * * Request for Immediate Intervention : * * Given the above, I respectfully request : 1. Immediate reversal of the duplicate charge of USD XXXX XXXX. Re-investigation and reversal of USD XXXX charged under coercion XXXX. A senior-level review of the dispute handling process in this case XXXX. Written confirmation of actions taken within an expedited timeframe This situation reflects not only financial loss but also a failure of protection against clearly questionable merchant behavior. As a long-standing Citibank customer XXXX I expect a fair and thorough resolution aligned with cardholder protection policies. I request your urgent attention and resolution. Sincerely, XXXX XXXX Cell : XXXX Email : 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 monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: MD

Complaint narrative:
XXXX XXXX Regarding Unknown Debt I am writing XXXX formally dispute a debt that has been reported under my name which I do not recognize. I believe this debt is the result of fraudulent activity or identity theft. I have no knowledge of this account XXXX did not open, authorize, or benefit from any transactions associated with it. This debt does not belong XXXX me, XXXX I have never entered into any agreement or contract with the company reporting it. Upon becoming aware of this issue, I immediately reviewed my credit report and began taking steps XXXX protect my identity. I am requesting a full investigation into this matter XXXX ask that you provide verification of this debt, including any documentation bearing my signature or proof that I authorized this account. If you are unable XXXX provide valid proof that I am responsible for this debt, I request that it be removed from my credit report immediately XXXX that I not be held liable for any associated balance. I am willing XXXX cooperate fully with any investigation XXXX can provide supporting documentation, such as identification, proof of residence, or a police report, if necessary. Please consider this statement as a formal declaration that this debt is fraudulent, XXXX I respectfully request prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I had two credit cards with Capital One. One of the cards were removed after my Bankruptcy was completely discharged. The second card however continues to remain on my account history and report as closed even though it was also included in my Bankruptcy. However, when I called to have them remove the account, I am told that they can not do it manually and that I have to wait for when Capital One system eventually erase it. If this account was sold to another creditor and was also a part of a Bankruptcy discharge, it should not still be reflected under any accounts that are actively open.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
am a documented fraud victim. The continued sale, reporting, and reinsertion of this account without proper verification is unlawful and damaging. If this matter is not resolved, I am prepared to pursue further action for violations of federal law.

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 2026-03-25 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: Southwest Business Corporation
State: TX

Complaint narrative:
This is a follow-up to my original complaint ( XXXX ) submitted on XX/XX/XXXXXXXX XXXX XXXX Executive Resolution Specialist, responded to that complaint and again attached the incorrect application for completion. I began the deed-in-lieu process on XX/XX/XXXX and completed the initial package provided by Loan Solutions Services on behalf of SWBC. My file was later declined in underwriting due to submission of the incorrect application, despite using the forms sent to me. After multiple follow-ups, I was informed that the required form is the XXXX XXXXXXXX XXXX XXXXXXXX. However, as of XX/XX/XXXX, I was sent a new package that again included the incorrect Mortgage Assistance Application. Additionally, despite multiple calls requesting a single point of contact, this request has been denied. The lack of coordination has resulted in repeated errors, conflicting guidance, and delays. This raises concern regarding a failure to provide continuity of contact as required for loss mitigation support. Please confirm immediately : - The correct application required to proceed with my deed-in-lieu request - That I will be sent the correct form without further delay - That my file will not be negatively impacted due to these repeated servicing errors I have made every effort to comply with the process and timelines and need this corrected urgently so my application can move forward. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: GA

Complaint narrative:
The car was an total loss and the XXXX XXXX XXXX XXXX XXXX refused to fix it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
Validation of Debt Request - NCB/XXXXT XXXX XXXX XXXX XXXX - XXXX * * * * XXXX I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against LVNV Funding LLC for violations of the Fair Credit Reporting Act ( FCRA ) regarding inaccurate, unverified, and improperly reported information on my consumer credit file. The account in question is as follows : Creditor : LVNV Funding LLC Original Creditor XXXX XXXX XXXXXXXX Reported Balance : {$250.00} Account Type : Collection Account I have disputed this account multiple times with the credit reporting agencies pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Despite my disputes, the account continues to be reported as verified without LVNV Funding providing any competent evidence to support the accuracy of the information. Additionally, this account appears to be illegally re-aged and continuously updated, including reporting a balance and activity as of XX/XX/year>. This creates a misleading impression that the account is newer or recently active, which is inaccurate and harmful. This conduct constitutes violations of the FCRA, including but not limited to : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of verification 15 U.S.C. 1681c ( a ) Improper reporting and potential re-aging of obsolete or outdated information To date, LVNV Funding has failed to provide : A signed contract or agreement bearing my signature Documentation proving lawful assignment or ownership of the alleged debt A complete and accurate payment history, including the original date of first delinquency The method of verification and identity of the party who verified this account The continued reporting and updating of this account without proper validation, and the apparent re-aging of the account, is misleading and in violation of federal law. This is causing ongoing damage to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I am filing this complaint regarding Pennymac Loan Services and their failure to reimburse me after a confirmed escrow servicing error. Pennymac previously used an incorrect parcel ID on my mortgage account and paid property taxes for the wrong property for two years. After escalation, they corrected the issue and issued payments to the correct parcel. However, due to the urgency of selling my home, I personally paid the XXXX property taxes out of pocket on XX/XX/XXXX, to avoid any delay in closing. The XXXX XXXX XXXX Collector has confirmed the following : My personal payment was successfully applied to my account. Pennymacs payment was returned on XX/XX/XXXX because the taxes had already been paid by me. Despite this, Pennymac has not reimbursed me for the out-of-pocket payment I made to resolve their error. I have already contacted Pennymac and provided all documentation, and I allowed reasonable time for resolution. As of today, I have not received reimbursement or a clear timeline. This situation has caused financial impact, as I was forced to cover a payment that should have been properly handled through escrow. I am requesting : Immediate reimbursement of my XXXX property tax payment. A total of {$11000.00} Written confirmation of reimbursement timeline. Assurance that I will not incur any financial loss due to this servicing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding NCB Management Services and their reporting of an alleged debt on my credit file. This account is being reported with the same balance as another collection agency, which raises concerns about duplicate reporting and lack of proper ownership verification. I disputed this account, and it was marked as verified, but I have not been provided any documentation to prove that NCB Management Services has the legal right to collect or report this debt. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ), furnishers are required to report accurate information and conduct a reasonable investigation of disputed accounts. NCB Management Services has failed to provide documentation and continues to report inaccurate information. Due to the failure to properly investigate and verify ownership of this debt, I am requesting that this account be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RCXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
Im receiving text from halsted financial about a XXXX XXXX XXXX debt that I have nothing to do with. Ive never had a XXXX XXXX back account or card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: NH

Complaint narrative:
In XXXX I statyed at a Hotel Booked online ( With a XXXX fee ) the next morning, i recieved my bill {$93.00} and change ( plus the XXXX billed seperate ) I was charged XXXX dollars. I contacted XXXX XXXX and they said that i needed to dispute this with my CC company that they didnt charge me XXXX dollars. I submitted a dipsute with capital one in XXXX. This week I recieved notification that my dispute was denied that the charge was correct. If i had any documentation to disprove the harge to reopen the dipsute to submit it. I submitted a copy of the the bill directly from XXXX XXXX. Capital one again denied the diusute saying that i need to write another letter explaining my dispute and mail it to them. I filled out the dipsute already explaining it. I advised i would notre write the original dispute. I asked to speak with a supervisor. " XXXX '' ( Not her real name ) took the phone call and asked for my issie. I gave great detail. She then immediately asked a question that I had already answered just XXXX minutes before in the explanation she asked for. The call went no where but with us both being rude to eachother.

Company response to consumer: Closed with explanation