vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
When refinancing my home in XXXX. The bank missed a parcel and I almost lost a lot as a result. They paid the taxes and are now raising my mortgage appropriately XXXX a month more. I am on XXXX and only bring home XXXX a month and they are raising my mortgage to over XXXX a month.

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 2026-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: KS

Complaint narrative:
I bought a vehicle about XXXX of XXXX, finance through Ally, and paid off in XXXX. I plan to sell my vehicle last month but couldn't find the title, so XXXX XXXX treasurers office and they indicated Ally has a XXXX on the vehicle so I can not obtain my title. I Ally called XXXX XX/XX/XXXX and spoke to at least XXXX different people, most of them said my information does not show up in their system. XXXX person said that our release of title should arrive in a week to XXXX  days. It's been XXXX  days now and I have not heard from Ally. XXXX number XXXX XXXX XXXX XXXX XXXX XXXX. Since it's been so long I do not have records of loan number or account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding a serious and alarming issue involving JPMorgan Chase Bank , N.A . related to a business loan process that began on XX/XX/year>. 

On or about XX/XX/year>, I was referred to a Chase relationship banker named XXXX XXXX, who represented himself as a legitimate Chase employee. XXXX XXXX was able to verify all of my personal and business information through the Chase platform, which gave me confidence that he was authorized and acting on behalf of Chase. 

XXXX XXXX sent me branch appointment confirmations via email, and when I contacted the Chase branch located in XXXXXXXX XXXX the branch confirmed that the emails and appointments were legitimate and generated through Chase systems. Based on this verification, I continued working with him in good faith. 

During the loan process, XXXX XXXX represented himself as my private Chase banker and instructed me that, as a requirement to open and qualify for the business account and loan, I needed to send funds directly to him. Relying on his apparent authority and Chase verification, I sent a total of {$13000.00} via XXXX to XXXX XXXX. 

Subsequently, multiple irregular and disturbing events occurred : A wire transaction appeared in my account and then disappeared without explanation A check deposit appeared under a name not associated with my business or Chase, which was later returned and flagged as fraud Fraud alerts were placed on my account, disrupting my business operations No formal loan documentation or clear written disclosures were ever properly provided Concerned, I went in person to the Chase branch in XXXX, XXXX. At that time, XXXX XXXX denied knowing anything about the transaction or loan, despite the fact that all communications, appointments, and activity were tied to his Chase profile. Even more concerning, the branch manager showed little to no concern and did not take the matter seriously, despite the fact that this activity originated through that branch and involved one of their bankers.

As a business owner, this situation caused : A direct financial loss of {$13000.00} Severe disruption to my business banking Emotional distress and loss of trust Serious concern regarding Chases internal controls, employee oversight, and fraud prevention I am requesting that Chase : Conduct a formal investigation into the actions of XXXX XXXX Provide a written explanation of how Chase systems were used in this matter Confirm whether XXXX XXXX was acting as an authorized employee at the time Address the failure of branch-level oversight and response Take responsibility for the financial loss and harm caused I am filing this complaint to seek accountability, transparency, and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
When I reached out to the company on XX/XX/year>. I got no response. This was the letter that I submitted to them for the collection of {$140.00} on my credit report. 
DEBT VALIDATION LETTER Date XXXX Caine & Weiner Company , Inc . 
P.O. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXCaine & Weiner Company , Inc , This letter i s being sent to you in response to : Check XXXX ( XXXX ) $ - Response to a listing on my Credit Report. 
Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant t o the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation t o pay you.

At this time, I will also inform you that if your offices have reported invalidated information to any o f the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX XXXX  ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports b y your company o r the company that you represent, I will not hesitate i n bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation o f the Fair Debt Collection Practices Act, and Defamation o f Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require a t least XXXX  days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any o f my credit reports, I will consult with my legal counsel for suit. This includes any listing o f any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within XXXX days from the date of your eceipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shal be sent to me immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am not liable for this debt of {$330.00} with LVNV FUNDING LLC This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I XXXX review to see if this is actually an account that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I was most recently sent a letter from Carrington that included a slip page correctly listing my current address claiming an attempt to return money owed to me by Carrington. However, the letter itself listed my prior address at the top of the page. The letter, dated XX/XX/XXXX, claims that Carrington owes me money and directs me to contact them by XX/XX/XXXX, XXXX earlier date than the letter itselfrendering its demand impractical and misleading on its face. A copy of this XX/XX/XXXX letter is attached to this complaint. The same letter also asserts that Carrington has had no contact with me since XX/XX/XXXX. That statement is false. Carrington has had multiple contacts with me since XX/XX/XXXX, and Carrington has continued to collect payments during this period. Carrington has long had my current address, phone number, and email address on file. While I have attempted to resolve the issues referenced in the XX/XX/XXXX letter directly with Carrington, I have been unable to obtain answers or clarification as to how or why a letter dated XX/XX/XXXX could require contact by XX/XX/XXXX. On Wednesday, XX/XX/XXXX, I spoke by phone with a Carrington representative who acknowledged the problem and repeatedly consulted a supervisor ; they confirmed my cell number for a callback in case we were accidentally disconnected, but after more than XXXX minutes, while waiting on hold the call disconnected. As of XXXX days later, I have received no return call or other communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
I attended XXXX XXXX and graduated in XXXX. I attended XXXX XXXX and graduated in XXXX. I have participated in XXXX on every job since it was available. The qualifying payments left to make are incorrect and I can not get a person to directly speak with me to provide information about my jobs that would rectify this. I have worked in XXXX XXXX field for XXXX years alone. I have worked with the State for almost XXXX years, I dont know why my loans have not been forgiven.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am submitting this complaint regarding the practices of my credit card issuer ( s ), which I believe to be unfair and inconsistent with responsible consumer treatment. 

Over a period of time, I received repeated promotional communications encouraging increased credit usage, including incentives such as cash-back rewards tied to spending thresholds. Acting in good faith, I utilized my available credit as encouraged. 

Following this usage, my account was subjected to an increased interest rate. Despite this change, I have maintained an excellent payment history and have made all required payments on time. However, the minimum payments applied to my account were consistently lower than the interest charged, making it difficult to reduce the principal balance. 

In response, I began making payments above the minimum to cover accrued interest and responsibly manage my account. Despite these efforts, my credit line was subsequently reduced, citing high credit utilization. 

This sequence of events appears contradictory and inequitable. I was encouraged to use credit, penalized through increased interest, and then further disadvantaged by a reduction in my credit lineeven while demonstrating responsible repayment behavior and maintaining a strong credit history. 

I am requesting that the creditor : Review the decision to reduce my credit line Consider reinstatement of my previous credit limit Review and adjust my interest rate in light of my payment history Provide clear justification for penalizing utilization that resulted from company-issued promotions I am seeking fair treatment, transparency, and a good-faith resolution. 
Thank you for your review of this matter.

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 2026-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCSPLUS INCORPORATED
State: FL

Complaint narrative:
I am writing to report a fraudulent claim. I have disputed this claim with the collection agency despite them saying I have not. I requested all supporting documents relating to the claim. I have not been provided with any documentation stating I owe {$4600.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-10 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: August Real Estate Investments, LLC
State: TX

Complaint narrative:
I filed a XXXX XXXX bankruptcy and my mortgage was included in the case. At the time of filing, I was approximately {$8000.00} behind on my mortgage. During the bankruptcy, I made regular payments to the XXXX XXXX trustee for about XXXX year before the case was dismissed/ended early. 



During that year, the trustee made payments toward my mortgage as part of the XXXX XXXX  process. However, after my case ended, my mortgage servicer failed to properly credit those payments. The servicer is now charging me as if no payments were made during that entire year, showing a full year of missed payments and arrears that do not accurately reflect the payments made through the trustee. 



I have reason to believe that : Payments sent by the XXXX XXXX XXXXXXXX were not applied correctly, or Payments were placed in a suspense account and never properly credited, or The servicer failed to update the account after the bankruptcy case ended. 



Despite my payment history through the trustee, the servicers records continue to show incorrect balances and delinquency amounts. This has caused an inflated arrears balance, inaccurate account statements, and potential harm to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Klarna AB
State: AZ

Complaint narrative:
I had used a klarna payment loan for a XXXX XXXX purchase of XXXX dollars. I immediately cancelled the order with XXXX XXXX because i found the product elsewhere. I had requested within the klarna process to cancel the loan and they can get their funds. During the loan i did select an option with interest of XXXX XXXX apr {$6.00} added for a total of {$170.00} that after speaking with their chat team, unable to help me, after speaking with their customer service unable to help me and they said a XXXX would call me back and they have not. They did credit the XXXX back to my account in klarna as they made an error returning back to them and credited my account without knowing. I told them to take the money back and they said they would escalate it again. Then i made a purchase and they have the most annoying structure of using your klarna balance first and paying the rest however and i used the funds accidentally. So now I am paying the {$160.00} back but I told them i will not be paying interest {$6.00} for a loan i never used and cancelled. They still have not got back to me. This is collection practice out of guidelines imagine how many other consumers they are collecting from.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I received a letter stating that my credit limit has been lowered from XXXX XXXX XXXX XXXX XXXX dollars in the letter they described that I have delinquencies and other issues on my credit report.That they use to make their decision.However, upon requesting the report they use to make their decision.They refused and would not allow me to see any information that they pulled about my credit. I have recently pulled my own credit report. When looking at purchasing a vehicle through XXXX XXXX XXXX XXXX and had no delinquencies or other negative impacts on my report, which contradicts what chase is saying is on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX JEFFCAPSYS RE : Account No : XXXX Original Creditor : XXXX XXXX XXXX NOTICE TO CEASE COMMUNICATION FDCPA 15 U.S.C. 1692c ( c ) To XXXX XXXX XXXX XXXX XXXX This letter is being sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ).

You are hereby notified to CEASE AND DESIST all communication with me regarding the above-referenced account. This includes, but is not limited to, telephone calls, text messages, emails, letters, third-party contact, and any further attempts to collect or discuss this alleged debt. 

You may only contact me again for one of the following reasons as permitted by law : 1. To advise that you are terminating collection efforts ; or 2. To notify me that you intend to invoke a specific legal remedy. 

Any further communication beyond these two exceptions will constitute a knowing and willful violation of federal law and will be documented as evidence.

If you continue to report this account to any consumer reporting agency while collection activity is prohibited, you will also be in violation of 15 U.S.C. 1692e and 1692f. 

This is not a refusal to pay. This is a lawful demand that you cease communication. 

Govern yourself accordingly. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
Email Subject To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my refinance by XXXX XXXX of AmeriHome Mortgage. 

This refinance process has taken nearly XXXX months and has been marked by repeated delays, lost or misplaced documentation, and extremely poor communication. Requests for updates often went unanswered for extended periods, and information that had already been provided was requested again, indicating a lack of organization and follow-through. 

I was not initially seeking to refinance my loan. I proceeded only after being encouraged to do so with assurances that the process would be efficient and beneficial. Unfortunately, the experience has been the opposite. The excessive delays and lack of accountability ultimately caused the process to stall entirely, effectively waiting out critical time and rendering the refinance no longer worthwhile. 

A transaction of this nature should not take this long nor involve this level of inconvenience. Due to the repeated issues and unprofessional handling of my file, I have lost confidence in both the XXXX  XXXX and the process as a whole and have chosen to discontinue working with AmeriHome Mortgage. 

I believe this matter warrants internal review, as this experience fell well below reasonable expectations for customer service and loan processing. I request confirmation that my file has been closed and that no further action will be taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CREDICO. INC
State: SD

Complaint narrative:
I have undisputable evidence of a fraudulent payment made on a credit account in an attempt to keep open past its collection date. A payment/credit of {$2.00} was " applied '' to this account XX/XX/year>. I was in federal detention XXXX XXXX, Colorado and was not released until XX/XX/year>. There is no way i could have made this payment and it if someone made it on my behalf it was unauthorized and made with the sole purpose to keep a account open past its collection date for resale to other credit collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: WAMM Sales, LLC d/b/a Auto Simple
State: GA

Complaint narrative:
Less than XXXX hours after a payment was due, our vehicle was remotely disabled due to nonpayment. After payment was processed, the vehicle was not promptly reactivated and remained disabled for a lengthy period of time during business hours.

We have a buyherepayhere auto loan with AutoSimple and have maintained a generally positive payment history over several years. In recent months, we have experienced increased financial hardship and have occasionally made late payments, typically no more than 2472 hours after the original due date. 

On or about Saturday, XX/XX/XXXX, our vehicle was disabled via a starterinterrupt device less than 24 hours after the payment due date. This is particularly concerning for our household because we have multiple XXXX XXXX with serious, XXXX XXXX XXXX.

The full payment was made and posted on XX/XX/XXXX at approximately XXXX XXXX, curing any alleged default. Despite payment, the company did not promptly restore access to the vehicle. We made numerous attempts to contact the company to confirm payment, request an explanation for the disablement, and ask for immediate reactivation, but did not receive a meaningful response. 

The continued disablement of the vehicle after payment created a serious financial, safety, and medical risk for our family. The account was current, yet access to the vehicle was not restored within a reasonable time.

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