vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Lloyd & McDaniel, PLC
State: OH

Complaint narrative:
I am attempting to pay and resolve a credit card debt. The law office that reportedly holds the debt has not made the account available for payment despite my repeated attempts to resolve it. I have made the following documented attempts to communicate with this office : XX/XX/year> Sent an email requesting information on how to resolve the account. XX/XX/year> XX/XX/year> Placed XXXX documented phone calls to the office attempting to speak with a representative and obtain payoff instructions. XX/XX/year> Sent an additional email titled Urgent Escalation Request for Payoff Instructions. Both emails have gone unanswered. Of the XXXX phone calls placed, XXXX went directly to voicemail. On the occasions when I was able to speak with a representative, I was repeatedly told that the account was being processed or on hold, and that I should call back later that day or in a few days when the account would supposedly be available for payment. I have followed these instructions each time, but every subsequent call results in the same response and no progress toward resolving the account. At no point has the office provided a clear explanation of the hold, payoff instructions, or confirmation of who is authorized to accept payment. I am ready and willing to pay this debt immediately. However, the collectors repeated delays and lack of response have prevented me from resolving the account. This situation is particularly urgent because my mortgage application is currently being delayed until this debt is resolved. I am requesting that the collector provide clear written confirmation of the balance and instructions for payment, or identify the party authorized to accept payment so that I can resolve the debt without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Complaint Description : Starting in XX/XX/XXXX, my checking account began being charged a XXXX XXXX monthly maintenance fee. Because this account is not frequently used, I did not notice the charges immediately. I recently logged into my account and discovered that these fees had been deducted every month for 15 months, from XX/XX/XXXXXXXX through XX/XX/XXXX, totaling {$220.00}. I was never notified about this change. I did not receive any email notification, text message, mailed notice, or account alert informing me that my account would begin incurring a XXXX XXXX monthly fee regardless of balance. My account balance decreased from approximately {$1600.00} to around {$1300.00}, and I did not understand why these charges were occurring. After discovering the issue, I contacted Citibank customer service. The representative informed me that the account policy had changed in XX/XX/XXXXXXXX and that a monthly maintenance fee was being charged. I explained that I had never received any notification of this policy change. The representative stated that they only had the authority to refund {$90.00}, which was processed, but the remaining {$130.00} in fees was not refunded. I believe these fees were charged without proper notice or clear communication. If I had been notified of the change, I would have immediately closed the account to avoid these charges. I am requesting a refund of the remaining {$130.00} in monthly maintenance fees that were charged without proper notification.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Revolut Technologies Inc.
State: NE

Complaint narrative:
The bank has completely frozen my company 's account and funds for over a month, causing financial damage and damaging relationships with suppliers and customers. We have asked numerous times for reasons and a solution without receiving a coherent response, only generic answers such as we are doing everything we can, there is nothing more we can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I opened up a credit card with capital one in XXXX. It is XXXX and I still havent received it. They keep sending out cards for the past month and i dont know where they are going. I was finally able to use the virtual card and they restricted my account. I tried asking to get it unrestricted but they are not helping. It has been months and still have no idea where my card is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My computer was hacked early XX/XX/year> - my XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Chase business account was compromised. I took immediate action to contact the banks and resolve the issues. The issue I would like to complain about is with Chase. The bank was initially able to make the refund to our business account for the amount of the fraudulent transaction using XXXX which we do not authorized nor recognized the recipient. We were only made aware of the fraudulent transaction when the amount to be paid to the XXXX XXXX was rejected due to insufficient funds. Chase has subsequently withdrew their refund to our account claiming that we were the ones who made the transaction. They could not care the fact the account was hacked. It has been really frustrating in dealing with Chase claims department fighting for recovery of our funds. I have contacted them many times to resolve the matter but each time, they made it seem like it is our fault and they can escalate the case. Based on the recent experience, I don't think Chase is doing enough to protect our accounts, i.e. XXXX where XXXX XXXX XXXX made a requirement for us to setup authorized recipients before permitting any transactions. With Chase, there is none of these features at all. All I want at this point is for Chase to refund the fraudulent and unauthorized transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My mortgage was transferred to Rocket Mortgage from XXXX XXXX. In late XXXX I logged in online to my XXXX XXXX account and set up my XXXX mortgage payment. On XX/XX/year> my mortgage payment that I set up was drafted from my account, but also on XX/XX/year> Rocket Mortgage drafted an additional mortgage payment for the month of XX/XX/year>. When I attempted to log in to my account I was greeted with a message that my login credentials were not recognized, this happened repeatedly until I received a message that my account would be locked if I continued. So I then tried the " forgot my password '' link, there it asked me for my name and last 4 digits of my SSN and again I received a message that my information was not recognized. I tried to utilize the chatbot to find out what was transpiring but that was completely useless, so I spent another 20-25 minutes trying to find a contact number for Rocket Mortgage. Then I had to spend a significant amount of time on hold until I could speak to a representative. Turns out that Rocket Mortgage not only put my mortgage payment on auto-pay but also changed my login credentials, all without my consent or giving me notification. I asked them to take it off auto-pay ( I have never had auto-pay set up for my mortgage ) and to return one mortgage payment for the month of XX/XX/year>. As of XX/XX/year> they have not returned my mortgage payment and my online account still shows two payments for the month of XX/XX/year>. An internet search reveals that Rocket Mortgage has pulled this stunt on many whose mortgage was transferred to Rocket Mortgage. So they are reaping the benefit of all the interest they are currently making on every extra payment that they illegally extracted from consumers banks accounts by enrolling them into auto-pay without consent or notification. In addition, changing consumers login information without notification also reeks of unprofessional and unethical business practices. They were very ill prepared for the onslaught of phone calls brought on by their illegal maneuvers and consumers are left spending countless hours on hold to rectify a situation that was no fault of their own. I understand that you may require more information from me but I would prefer to remain anonymous to Rocket Mortgage to avoid any retaliation from them because clearly they can not be trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Every time my grandma and I call, chase always send us to the fraud department as if we are criminals. I am an authorized user on the account and just trying to pay the bill. I understand we are XXXX XXXX, but would not like to be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: NJ

Complaint narrative:
In XXXX, my township, XXXX XXXX XXXX, mistakenly sent incorrect tax numbers to my mortgage company. Once the error was discovered, XXXX XXXX reported sending the correct numbers. Consequently, my escrow account went into the negative XXXX. Upon learning this, I promptly contacted my mortgage company to rectify the issue before the new year. On XX/XX/XXXX, and XX/XX/XXXX, I uploaded proof of my taxes from the tax assessor and tax collector offices for their review, but I received no response. I then wrote a notice of error letter to them, which was received on XX/XX/XXXX, but I never received a response from that office. I spoke with the office on several dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ( after this conversation, I was assigned a case XXXX and received an email on XX/XX/XXXX, confirming that a case XXXX would contact me ) ; and XX/XX/XXXX. The case XXXX reached out to me on XX/XX/XXXX, at XXXX p.m., and we spoke for XXXX minutes. During our conversation, they informed me that my taxes had been corrected, which was not the case. I have never heard from anyone from the office of the Consumer. I reached out to the resolution department on XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, leaving voicemails, but I have not received a call back. I have informed my mortgage company about this error and explained that it has made it impossible for me to afford my mortgage. Therefore, I urgently request that this issue be rectified.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Validation of Debt Request - ALDOUS XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
In XX/XX/year>, I switched insurance companies and deposited the insurance refund from company 1 into my mortgage escrow account per the instructions. The amount was {$1100.00}. This was to ensure that the mortgage escrow account did not have a discrepancy at year end at time of the annual analysis. Rocket refuses to credit the {$1100.00} to the escrow account and has let the funds become stagnant. Attached is the documentation of the {$1100.00} deposit on XX/XX/XXXX ( for some reason they split it into two ) and the correspondence documenting they are not giving me credit for the funds deposited. I would like for my escrow analysis to reflect the correction information and be given credit for the {$1100.00}. Based on my calculations and the internal auditor review for our bank, my payment should not increase. Rocket is in violation of section 1024.17 of the Dodd-Frank Act with their erroneous calculations. l I have called Rocket 3 times to resolve this and they are unable to comprehend the calculation error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: Global Lending Services LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I purchased a vehicle from XXXX XXXX XXXX in Ohio and financed the purchase through Global Lending Services. Under Ohio law the dealership was required to deliver a properly assigned certificate of title within XXXX days of the sale. The dealership did not provide the title within that timeframe. My temporary registration was set to expire before the dealership provided the title. I contacted the dealership to ask about the status of the title and whether the temporary tag could be extended so that I could legally operate the vehicle. The dealership advised me in writing that if I were stopped by law enforcement after the temporary tag expired I would only receive a warning. I have screenshots of these messages. The dealership later emailed a copy of a memo title on XX/XX/XXXX, which was XXXX days after the purchase date. I have never received a physical certificate of title that would allow me to transfer ownership or register the vehicle. Because the dealership failed to provide title within the statutory timeframe, I was left with a financed vehicle that I could not legally register or operate. I have not registered the vehicle, have not transferred the title into my name, and have not driven the vehicle since the temporary registration expired. I requested rescission of the vehicle sale and filed a complaint with the XXXX Attorney General 's Consumer Protection Section ( Case No. XXXX ). Because the dealership failed to deliver title within the statutory deadline, the loan may be tied to a legally defective vehicle sale under Ohio law. I am requesting that Global Lending Services review this transaction and investigate the dealerships conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Recovery Solutions, LLC
State: NJ

Complaint narrative:
The company failed to provide proper validation of the alleged debt.The documents sent only show a bulk portfolio sale and do not identify my individual account. They did not provide a complete chain of title or account-level documentation proving the debt belongs to me. Attempting to collect without proper validation violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
I CALLED ON XX/XX/year> AFTER MAKING MY NEW BALANCE OWED PAYMENT OF {$1000.00}. ( XXXX PAYMENT OF {$190.00} AND XXXX PAYMENT OF {$880.00} ON XX/XX/year> ). I CALLED AND ASKED TO HAVE THE ACCOUNT CLOSED. THEY REFUSED. SAID IT WAS IN THE MIDDLE OF A BILLING CYCLE. REFUSED TO GIVE ME A PAYOFF AMOUNT SO I COULD PAY IT. THEY CHARGE {$170.00} PER STATEMENT CYCLE AND WANT ME TO PAY THAT AMOUNT AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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:
I rented a vehicle from XXXX and the invoice was paid in advance. I have receipts and invoices confirming that the balance was already paid. Despite this, the charge was still reported and I was held responsible for the amount. I submitted a dispute with Capital One and provided proof of payment, including the XXXX invoices and receipts. Capital One denied my dispute even though I provided documentation showing the payment had already been made. As a result, this incorrect charge has negatively impacted my credit report and significantly lowered my credit score. This situation is unfair because I paid the invoice in advance and should not be held responsible for a balance that was already paid. I am requesting a full investigation, removal of the incorrect charge, and correction of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting a credit card debt from Capital One that is inaccurate and unverifiable. I requested full validation, including chain of title and original account documentation, but XXXX only provided partial statements and a generic bill of sale. Capital One confirmed they no longer report this account, and XXXX is now responsible. XXXX reports the account incorrectly to the credit bureaus : wrong account type ( installment vs. credit card ), inconsistent status ( open vs closed ), and a balance of {$1500.00} without proper verification. PRAs internal records even flag this account as Legal Prohibited, yet they continue reporting it. I have disputed this multiple times with XXXX and the credit bureaus, but these errors still remain. I request that XXXX either fully validate the debt or remove it from all credit reports and correct any inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I asked the company to send over term agreement contract, sales agreement contract, and disclosure. The company never sent any documents via XXXX stating they have ownership of the accounts. It's been over a year now and they still haven't sent any proof so I'm demanding they be removed immediately because it is causing harm physically, mentally, and financially to my well being. I am trying to purchase a home and they are holding me back with these tactics they are doing to keep reporting illegally on my report. I know by law of the FCRA and consumer law 15 U.S. Code 1692e and 15 U.S. Code 1681o the are in violation. I ask this matter looking care of swiftly and promptly within the 15 day window that is allowed to companies to respond, with all collections accounts deleted and blocked from my report through law 15 U.S. Code 1681b.

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 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Since XX/XX/XXXX, my account has been repeatedly blocked by NFCU. I have gone in person ( XX/XX/XXXX ) to verify my identity and have done so repeatedly over the phone. This has made it extremely difficult to make my credit card payments, pay bills, and handle day-to-day transactions. I have no access to my deposited funds! After every in-person or over the phone verificaion, my block is lifted, and as soon as I pay a bill or make a credit card payment, my credit card is with the same institution my account is locked. I have inquired why this is happening to no avail. My money is being held hostage by NFCU and they have no desire to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Servicing Solutions, LLC
State: FL

Complaint narrative:
I receive monthly statements from Servicing Solutions and each time they are charging me late fees and interest on the amount due. The issue is that they are charging interest on a higher amount due and stating my payments are late when they are not. For example, my statement email to me on XX/XX/year> says I owe XXXX, interest charges are XXXX and late fees of {$39.00} also says I owe XXXX for a minimum payment and that I am past due XXXX so I owe XXXX. But my online statement says I only owe {$3800.00} because I paid {$350.00} and that my minimum payment due is only XXXX and no past due amount. This has been going on for months. Over-billing, over-charging of interest and fees.

Company response to consumer: Closed with explanation