vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: WA

Complaint narrative:
I am filing a complaint regarding ongoing servicing errors, misinformation, and improper handling of my FHA lossmitigation application by Freedom Mortgage. These issues date back to XX/XX/XXXX and continue through XX/XX/XXXX. Below is a chronological summary of the problems. Beginning in XX/XX/XXXX, Freedom Mortgage representatives repeatedly told us : - We were not eligible for FHA loss mitigation - FHA changed the rule in XX/XX/XXXX to require 60day delinquency - We could not be reviewed for a modification unless we were two months behind These statements are not accurate. FHA does not require 60day delinquency for a full lossmitigation review of a complete application. This misinformation prevented us from receiving proper assistance for months. In XX/XX/XXXX, a Freedom Mortgage agent discussed a possible forbearance with us, but we did not authorize or confirm enrollment because we were pursuing a loan modification. Despite this, Freedom Mortgage placed us into a forbearance plan without our consent. This : - Misclassified our hardship - Prevented proper review - Delayed our access to FHA homeretention options- Violated federal servicing rules regarding borrower consent We did not request or agree to this forbearance. On XX/XX/XXXX, Freedom Mortgage issued a written notice stating : Your application is facially complete. Under federal servicing rules, this requires : - A full review of all FHA homeretention options - A 30day decision window - Foreclosure protections - No placement into alternative programs without borrower consent This letter should have triggered a proper FHA waterfall evaluation. On the same day our application was marked complete, Freedom Mortgage : - Placed us into another informal forbearance plan - Did so without our permission - Told us this was because we were not 60 days delinquent This is incorrect and contradicts FHA policy. We did not request or authorize this forbearance. The next day, we received a denial letter stating : - Not Eligible Not Reviewed for multiple FHA options- We were approved for an informal forbearance - We were eligible for liquidation options ( short sale, deedinlieu ) This contradicts the XX/XX/XXXX facially complete notice and shows that no proper review occurred. During a call on XX/XX/XXXX : - A representative again claimed we were not eligible because we were not 60 days delinquent - They repeated the false claim that FHA changed the rule in XX/XX/XXXX- When challenged, the representative admitted the previous agent was wrong- They stated they would report the previous agent to their supervisor This confirms internal mishandling and misinformation i have attached our documents below, for letters received in 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 2026-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Total original amount of debt is : XXXX This debt is in the process of payments with the last payment being paid on XX/XX/year> with the amount of {$120.00} made to XXXX XXXX XXXX with an Invoice Number : XXXX Im now receiving this letter and will like a further explanation why is my account now being handled by a collection company. I will not be making any further payments until I know what happen to the payment made to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
I am disputing the collection account reported by TEK Collect for XXXX, account number ending in XXXX, balance {$610.00}. I requested enough information to verify this alleged debt, including the complete payment history, itemized balance, copy of the original service agreement, and proof of authority to collect and report it. I did not receive sufficient information to verify the debt. XXXX reports this account as an XXXX account with no payment history available and comments stating Placed for collection. Because TEK Collect did not provide enough information to verify the alleged debt, the account remains disputed and unverifiable. I also request that all future communications regarding this matter be in writing only.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: MARINER FINANCE, LLC
State: OR

Complaint narrative:
1. Mariner Finance issued an unsolicited live check that misled me into a high interest obligation without full and transparent disclosure 2. Mariner Finance then engaged in loan flipping in XXXX XXXX. When I called the local branch to advise I was unable to make payment, I spoke to a rep named XXXX who aggressively pushed for a refi that made for increased fees, interest, and overall indebtedness without any benefit to me instead of offering me a hardship. XXXX. Mariner Finance advised me in XX/XX/XXXX that they were unable to assist me when I called them to advise again, I was unable to make payments. And, again, instead of offering me a hardship, I was told that it was now considered a " New Loan '' and unless a payment was made there are no other options to assist me. 4. Mariner Finance misrepresented the nature of this non-purchase debt as " Secured '' with the credit bureaus, but at no point did I authorize collateral such as a vehicle or house title. XXXX. XX/XX/XXXX I sent a Notice of Dispute and Demand for Discharge. No Response. XXXX. XX/XX/XXXX I followed up with a Second Notice of Dispute and Demand for Discharge via Certified Mail. Again, no response. XXXX. XX/XX/XXXX USPS attempted delivery, but was unsuccessful and had to leave Mariner Finance a Notice of Attempt with ACTION NEEDED and instructions for redelivery. XXXX. XX/XX/XXXX Mariner Finance failed to take action as listed on the Notice of Attempt causing USPS to return letter back to sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing the collection account reported by LVNV Funding LLC for XXXX XXXX XXXX XXXX, account number ending in XXXX, balance {$1600.00}. I requested enough information to verify this alleged debt, including the complete payment history, itemized balance, chain of assignment, proof of ownership, and the original credit agreement. I did not receive sufficient information to verify the debt. This account is also reported inconsistently across the credit bureaus, including different reporting formats and treatment of the tradeline. Because LVNV is reporting as a debt buyer and has not provided competent validation establishing ownership, amount, and authority to collect, this account remains unverifiable and disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: IL

Complaint narrative:
CFPB FORMAL COMPLAINT : VIOLATION OF THE FAIR CREDIT BILLING ACT ( FCBA ) TO : Consumer Financial Protection Bureau ( CFPB ) REGARDING : Capital One Bank ( USA ), N.A. DISPUTE AMOUNT : {$840.00} TRANSACTION DATE : XX/XX/XXXX MERCHANT : XXXX I. SUMMARY OF COMPLAINT I am filing this complaint against Capital One for their failure to honor my consumer rights under 12 CFR 1026.12 ( c ) ( Claims and Defenses ). Capital One has summarily rejected a valid dispute regarding a merchants breach of contract, incorrectly applying a XXXX " billing error '' statute to a situation involving Services Not Rendered and Merchant in Possession of Property. XXXX. THE ONGOING BREACH The merchant, XXXX, has been in physical possession of my property since XX/XX/XXXX. On XX/XX/XXXX, the merchant admitted in writing ( Exhibit I ) that they have failed to meet multiple repair deadlines and " can not guarantee a completion time. '' By refusing to investigate, Capital One is allowing a merchant to retain both my full payment ( {$840.00} ) and my physical property. Because the merchant is currently holding the merchandise and refusing a refund for a defective product, the breach is active and ongoing. XXXX. FAILURE OF BANK OVERSIGHT Capital Ones dispute department has refused to engage in a manual review of the " Claims and Defenses '' standard. They have ignored the following facts : XXXX XXXX : The product suffered a catastrophic frame failure. The merchant admitted the design was flawed and the assembly involved over-torqued screws. Failed Remedy : The merchant attempted to force me to accept a used/refurbished unit as a " cure, '' which I have legally rejected under Illinois UCC XXXX XXXX XXXX. Regulatory Violation : Under the FCBA, my right to assert a claim against the card issuer is preserved when the merchant fails to resolve a dispute regarding the quality of goods or services, provided the merchant is given an opportunity to cure. I have given the merchant XXXX days to cure ; they have failed. IV. RESOLUTION REQUESTED I request that the CFPB compel Capital One to : Recognize the " Merchant in Possession '' status as a valid override to standard billing error timelines. Issue a permanent credit of {$840.00}, as the merchant is in total breach of the contract of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
They're still writing me letters when I told them I don't owe them no XXXX amount plus some

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
NCB Management Services is reporting a collection account on my credit report in the amount of {$2600.00} claiming the original creditor is XXXX XXXX XXXX XXXX. This account was opened by NCB Management Services on XX/XX/XXXX with a reported first date of delinquency of XX/XX/XXXX. NCB Management Services is a debt buyer meaning they purchased this alleged debt from XXXX XXXX XXXX XXXX rather than being the original creditor. I have never received any written validation notice from NCB Management Services regarding this alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is my first formal contact disputing this account. NCB Management Services has not provided any of the following documentation required to validate this debt : Proof that NCB Management Services is licensed to collect debts in the State of Texas The complete chain of title showing every transfer of this debt since origination with XXXX XXXX XXXX XXXX. A copy of the original signed loan agreement between myself and XXXX XXXX XXXX XXXX. Complete account history showing the original balance and all charges, fees, and interest Documentation showing how the alleged deficiency balance of {$2600.00} was calculated including proof of any auction sale proceeds applied to the balance Any required notices sent to the consumer prior to and following the disposition of the collateral as required under Texas law Proof that the amount being collected is accurate and legally owed by me The exact date of first delinquency with the original creditor Debt buyers frequently do not retain complete documentation from the original creditor including original signed agreements, complete payment histories, and required deficiency notices. Without this complete documentation this debt can not be considered validated under the FDCPA or the FCRA. Despite failing to validate this debt NCB Management Services is currently reporting this unverified collection account to all three major credit bureaus XXXX XXXX, and XXXX which is significantly and negatively impacting my credit score and financial opportunities. Under the FCRA 15 U.S.C. 1681 information reported to credit bureaus must be accurate complete and verifiable. An unvalidated debt does not meet this standard and should not be reporting on my credit file. I am requesting that the CFPB formally investigate this matter and require NCB Management Services to either provide complete and accurate debt validation within 30 days or immediately remove this account permanently from all three major credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello, I call Citi credit card to have flex program removed from my card and I was asked the wrong security question which was whats my favorite hobby instead of being asked whats my childhood nickname! After I didnt know the answer I was told to provide the last XXXX digits of my bank account. I provided the account was told it was wrong. Next I was told my account was placed in fraudulent status and I have to wait until I receive a letter in the mail with code in to speak on my account again!

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 2026-04-14 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: NJ

Complaint narrative:
I went to XXXX and while there I lost not only my wallet but my personal items. My wallet and personal items were not realized to be lost until getting back to XXXX XXXX. At that time my XXXX card was used to purchase over {$2000.00} worth of charges that were not authorized my me, also not to my knowledge. Along with my XXXX card my ID was used, my XXXX XXXX was hacked into allowing people into my email and creating accounts under my name and using the discover card to make purchases in those accounts. The purchases were made in late XX/XX/XXXX. I called XXXX made a dispute. Along with giving them a police report, FTC report, and all the rest of the information I had. They refused to give me the credit back for all the charges I disputed. I asked for an affidavit to dispute these charges for the XXXX time and they denied again on XX/XX/XXXX. I Called on XX/XX/XXXX after a letter arrived my home stating that the investigation was completed and no fraud occurred. I called shorty after to ask for the evidence on how they can prove that no fraud occurred and the worker said that she could tell me over the phone but not send written details. Along with saying that the police report made was closed and sense no arrests were made they will not use that as new evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint against Wells Fargo regarding multiple unauthorized transactions. I found more than XXXX charges from XXXX XXXX totaling about {$1700.00} or more. I did not authorize these transactions, do not recognize this merchant, and did not receive any service. Wells Fargo closed my claim without refund and without a clear explanation. I disagree with this decision. These are unauthorized transactions and should be treated as fraud. The repeated nature and high number of charges clearly indicate unauthorized activity. I am requesting : Reopening of my case Full refund of all unauthorized charges Written explanation of the denial Protection from further charges Wells Fargo failed to properly investigate

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 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Skopos Financial, LLC
State: KY

Complaint narrative:
XXXX XXXX IS HANDLING THIS Financial account for me but yet they call me XXXX times a day starting anywhere from XXXX and ending very to XXXX everyday of the week. They have been informed to deal directly with XXXX XXXX and have been given the information to do so. But yet they refuse.

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
My husband is in XXXXXXXX XXXX And he had one of his payment sent to my paypal account. As soon as I accepted the payment. I get a message from paypal saying that my account is temporarily blocked for suspicious activity. I called the paypal costumer service. Service rep said that the payment went against PayPal agreement terms. The guy asked what the payment was for.. I told him it was from friends and family. One payment form friend for bills. The other payment from family. He said that it was not info provided. He then informed me that my account was permanently shutdown.. I asked about my money being transferred to my primary bank account. T h e guy said I have to wait 180 days for my funds to withdraw or transfer no exceptions. I asked, what agreement term did I break. I was told good, no information could be provided.and hugup please help m e get my funds already miss bill do to they bulshit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
A student loan listed from the Department of Education was taken out on XX/XX/year> under my name. This loan is for a total of {$4000.00}. This loan was not taken out by me and I have not attended any school that would require a student loan to be taken under my name. The loan has not been paid on and therefore it has been sent to collections. I need this loan taken off my credit report as this was not taken out by me. The total balance of the loan is listed at {$4000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing a complaint regarding multiple unauthorized transactions totaling over {$700.00} that were processed through XXXX and withdrawn from my debit accounts. Approximately XXXX XXXXXXXX was withdrawn from my Chase account, which is the subject of this complaint, and approximately XXXX XXXXXXXX from another bank account. These transactions were not knowingly authorized and occurred without my awareness. They involved repeated charges in a short period of time. On XX/XX/XXXX and XXXX multiple charges of similar amounts were processed consecutively, contributing significantly to the total loss. I was unaware that recurring billing and purchase activity were taking place, and the volume of transactions should have triggered safeguards to prevent excessive financial loss. I attempted to resolve this issue with XXXX and XXXX, but both denied responsibility, and my bank directed me back to XXXX. This situation caused my account to go into a negative balance. I am requesting a full investigation and reimbursement of these unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, a check for almost {$230000.00} was deposited into my account with Chase. I confirmed with the company that issued the check that the funds were taken out of their account that same day, so theres no issue with the check itself. Even with that, Chase has kept the funds on hold for over 10 days. Ive called in and spoke with at least two different people and both just told me the same thing. its on hold and theres nothing they can do. No one has been able to give me a clear or real explanation for why its still being held. I also tried escalate it during one of the calls and they hung up. At this point, the delay feels completely unnecessary, especially considering how long Ive been banking with Chase and the fact that Ive received deposits from this company for 8+ years. I feel Chase is deliberately holding funds for their own financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I had tried to consolidate my loans under the one-time consolidation. I got a letter in the mail stating that XXXX or more of my loans did not qualify for the consolidation due to in-school status. I graduated XXXX days ago, and I am already getting hounded for a payment so I called XXXX to figure out what was going on, turns out aidvantage consolidated my loan anyway, and according to the rep at XXXX my consolidated loans are pending. So they recommended I call aidvantage to find out why my loans were partially consolidated becuase they should not have been due to in-school status. Tried to talk to aidvantage today, and they told me they won't do anything about it because of when the consolidation took place. I got no paperwork for it and they claim to have sent it to my email, but the only emails I have are from XXXX and student aid.gov. They can't provide anything proving that I received the paperwork they said I should have gotten, and they supposedly sent to me and refuse to fix this issue. I can not sign up for certain payment plans or truly consolidate my loans because of this and I want my loans un-concolidated. They should not have ever been consolidated in the first place and partially consolidating them anyway after sending a denial letter stating XXXX or more of my loans have been denied due to in-school status then combining the few that did qualify is deceptive.

Company response to consumer: Closed with explanation