vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
On XXXX XX/XX/XXXX, I purchased a home in XXXX XXXX Maryland and as part of my settlement, I paid {$4200.00} to hold in an escrow account for payment of property taxes. On XXXX XX/XX/XXXX I received the first and only bill from XXXX XXXX XXXX XXXX indicating an original bill due date of XXXX XX/XX/XXXX ( before I took ownership of the property ). The bill noted the account was in arrears and failure to pay within 30 days of notice ( bill date was XXXX XX/XX/XXXX ) the collector would proceed to sell the liens to satisfy the debt. This was installment XXXX for XXXX in the amount of {$2800.00} plus they added penalties and interest in the amount of {$28.00} ; total bill due was {$2800.00}. On XXXX XX/XX/XXXX I notified Freedom Mortgage to pay a delinquent bill using the funds my previous lender ( XXXX Mortgage ), which they had wired to them the day before. I called Freedom Mortgage repeatedly to ensure the XXXX XXXX property taxes were paid and they failed to do so. Their failure to pay the tax bill has caused me financial hardship as I was left with no option but to pay the bill in full, including late fees and penalty, to avoid having a XXXX placed on my home. XXXX Mortgages lack of action is in direct violation of 12 U.S. Code 2605 ( g ) which states ( g ) Administration of escrow accounts : If the terms of any federally related mortgage loan require the borrower to make payments to the servicer of the loan for deposit into an escrow account for the purpose of assuring payment of taxes, insurance premiums, and other charges with respect to the property, the servicer shall make payments from the escrow account for such taxes, insurance premiums, and other charges in a timely manner as such payments become due. Also, I am an active-duty service member who has over 16 years of service to date and have a XXXX loan XXXX so Freedom Mortgage 's actions also violated Servicemembers Civil Relief Act ( SCRA ). Due to violations of 12 U.S. Code 2605 ( g ), the Servicemembers Civil Relief Act ( SCRA ), Real Estate Settlement Procedures Act ( RESPA ) of 1974, and Consumer Abuse the expected outcome is for Freedom Mortgage to pay the highest financial penalty in restitution to me for the mortgage company not paying property taxes from my escrow account, as this constitutes a breach of contract and a violation of federal regulations.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I am formally disputing the collection account reported by XXXX XXXX XXXX XXXX XXXX, as this account is unverified and does not belong to me. Despite my attempts to resolve this matter by contacting both the collection agency and the original creditor, I have not received a satisfactory resolution or sufficient verification of the debt. I request an immediate investigation into this account and demand that you provide verifiable proof of ownership and the validity of this alleged debt. Additionally, I believe this account may be the result of identity theft, as my identity has previously been compromised. Under the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and the removal of any inaccurate or unverifiable information from my credit report. Please ensure that this matter is handled in compliance with all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit 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.
State: OH

Complaint narrative:
I formally dispute the determination regarding the XXXX charge from The Home Depot and respectfully request reconsideration of the decision. The conclusion that the services or merchandise was provided as intended is not supported by the documentation previously submitted. The transaction at issue does not meet the standard of proper fulfillment as contemplated under applicable consumer billing protections, including the Fair Credit Billing Act 15 U.S.C. 1666. The goods were not provided in accordance with the terms represented at the time of sale, and therefore the charge remains subject to dispute. This matter extends beyond a simple delayed delivery. A merchants failure to deliver merchandise as agreed, or failure to meaningfully respond to a customer attempting to resolve a billing issue, constitutes a material breach of the transaction terms. I provided evidence demonstrating that I made multiple good faith attempts to contact the merchant directly to resolve the issue. That documentation clearly shows the merchant either refused to respond or failed to provide any substantive resolution. Under federal billing dispute protections, a cardholder is required to make a good faith effort to resolve disputes directly with the merchant before escalating through the card issuer. I satisfied that requirement and supplied proof of those attempts. The merchants refusal to engage should not operate to my detriment, nor should it absolve the charge from further review. Given the previously submitted evidence of non response and failure to properly fulfill the transaction, the finding that an error did not occur appears incomplete. I respectfully request a reinvestigation of this dispute, with specific consideration given to The documented communication attempts and lack of merchant response The failure to provide goods or services in accordance with the original agreement The applicability of consumer billing protections under federal law Until these issues are fully and fairly addressed, I maintain that the disputed amount should not be deemed valid. I request written confirmation that this matter will be reopened for further review.

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 2026-03-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My Identity ( social security # ) was compromised, and someone used my information to open a savings account with Bank of America. In XXXX of XXXX, I received a letter from Bank of America containing a confirmation of my new account. Knowing I did not create this account, I reached out to their service department and confirmed that the account was fraudulent. They assured me the account was closed but I continue to receive correspondence and statements on the account still existing. They were aware that this was a security issue involving my identity, I even filed a police report. Now I need to continue chasing them down to close this account. It is stressful and frustrating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
Validation of Debt Request - SOURCE RECEIVABLES MNG 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 i

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: TX

Complaint narrative:
I'm needing assistance with my bank overcharging my account because they are saying that I received XXXX in the month of XXXX which is a lie because I got a direct deposit of {$600.00} another direct deposit of {$300.00} and then I made some deposits through cash app which were {$98.00} and {$58.00} and {$17.00} and then I got a {$5.00} transfer from a friend and also a refund of {$6.00} so that comes out to {$1100.00} and I received {$30.00} and {$20.00} cash advance from chime so that's {$1100.00} in deposits so how am I negative on my bank statement {$39.00} on XX/XX/XXXX but in the app I'm negative {$59.00} I don't understand why they keep doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: Chime Financial Inc
State: PA

Complaint narrative:
My chime account was charged $ XXXX and a second {$76.00} +. ( Sorry I dont remember the change amount ) on Saturday XX/XX/year> to XXXX XXXX XXXX XXXX My virtual debit card was used. I called and replaced my virtual card and physical card. At that time I opened a dispute. They didnt put it thru. I called on Friday XX/XX/XXXX because I hadnt heard anything and found out that it didnt exist. So I did the dispute again. This time it went thru. The next day Saturday XX/XX/year> I woke up to a Denied dispute. Yes that fast. Then I called and reopened it again and started over for the 3rd time. This morning Sunday XX/XX/year> I woke up to the same exact email denying my dispute. I immediately moved all my money out of the chime accounts and closed them. Before I got hacked again. Apparently they dont care about keeping their customers because they didnt even argue or try to keep me. They just closed me out like it was no big deal. If thats how I was treated. I wouldnt recommend Chime to my worst enemy. What a pathetic and ridiculous waste of time and money. In the end I lost {$170.00} for having a chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TX

Complaint narrative:
I am filing this complaint regarding a disputed transaction involving XXXX and my financial institution, Chime. I paid {$610.00} to XXXX for a rent payment service in which they agreed to send {$1000.00} directly toward my rent. The payment was never successfully delivered to my landlord. XXXX later confirmed that a refund would be issued and advised me on XX/XX/XXXX that the refund had already been processed and that I should contact my bank. I immediately contacted Chime, and my financial institution confirmed that no refund has been received and no pending credit exists. As a result, I opened a dispute with Chime. I have now been advised that the investigation may take XXXX days before my funds are returned. This delay is creating significant financial hardship, as this transaction involved rent funds and has resulted in housing instability and late fees. At this time : * The merchant states the refund was processed. * My financial institution shows no refund received. * I remain without access to {$610.00} needed for essential housing expenses. I am requesting : XXXX. Immediate investigation into the status of the refund. XXXX. Issuance of provisional credit while the investigation is pending due to financial hardship. XXXX. Confirmation of whether XXXX actually transmitted any refund transaction to Chime. I am seeking prompt resolution so that my funds are returned without unnecessary delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have a XXXX card since XXXX. My recent payment for more than the balance posted XXXX day late, due to the fact that I have been in the process of moving for the past XXXX months. I was charged a {$40.00} late fee which they refuse to waive. Unfortunately, this happened in XXXX and they did waive the fee. My bills are packed and I have had difficulty in finding them. I have always paid my bills, normally on time. I feel that they should consider that they have always been paid since 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 2026-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Byrider Franchising, LLC
State: OH

Complaint narrative:
I am filing this complaint regarding CNACs continued reporting and attempted collection of an alleged repossession deficiency arising from a voluntary vehicle repossession in XXXX. On XX/XX/XXXX, I sent CNAC a formal written demand for validation pursuant to the Fair Debt Collection Practices Act. In that letter, I disputed the debt in its entirety and requested specific documentation necessary to establish that the alleged deficiency is valid, legally enforceable, and accurately calculated. Specifically, I requested : A copy of the original retail installment contract Proof of CNACs authority to collect A complete payment history Documentation establishing lawful repossession Copies of all required post-repossession notices Documentation demonstrating that the vehicle was sold in a commercially reasonable manner A complete deficiency balance calculation Proof that the amount being reported to credit bureaus is accurate I did not receive any post-repossession notices at the time of the repossession, including any notice of intent to sell, notice of sale, or notice of redemption rights. Despite my formal dispute and demand for validation, CNAC has continued to report this account to consumer reporting agencies. To date, CNAC has not provided competent documentation substantiating the alleged deficiency or demonstrating compliance with post-repossession notice requirements. Absent proof that proper notices were provided and that the sale was conducted in a commercially reasonable manner, any alleged deficiency is disputed as unenforceable. Continued credit reporting without proper validation constitutes inaccurate and misleading reporting under the Fair Credit Reporting Act and continued collection activity in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I had been getting calls from LVNV funding LLC. After several calls I asked them not to call me, due to they did not have license to collect a debt in Maryland. They never provided me with any proof. XXXX XXXX, I received an email from XXXX. I responded asking for verification of ownership and debt, proof of license to collect a debt in XXXX, the original contract from XXXX. Also, I asked them to cease any phone calls. I still havent received any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
By XXXX Im Disputing Accounts that are old or closed accounts that should not be reported to my account without my permission or open accounts that are old that keeps rolling over every month that shows XXXX Days late or inaccurate amounts on accounts that Im Demanding to be permanently Deleted from my Credit Report Auto loan mortgage that is Awarded to the Ex-spouse by divorce decree old credit card debt old auto loans that have destroyed my credit report and has moved to me to nothing or being able to get other loans on credit too have to live on the streets trouble buying a house or using credit for any other purpose needed

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 2026-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This account is reporting inaccurate delinquency information that does not reflect the true history of the account. This account was closed in XXXX and it shouldnt be reporting opened nor with these late payments. The tradeline shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with a charge-off reported in late XXXX. The reporting is inconsistent and appears to advance delinquency status in a way that does not accurately reflect the account activity. The account history shows periods of Not Reported followed by a sudden XXXX late status and charge-off. This pattern suggests improper reporting or possible re-aging of the account. Additionally, the reporting timeline is inconsistent across credit reporting agencies, creating conflicting information about the same account. I am requesting a full investigation into the accuracy of the reported delinquency dates, the Date of First Delinquency, and the basis for the reported XXXX late and charge-off status. This inaccurate reporting is negatively impacting my credit profile and must be corrected. I will be filing an arbitration and suing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Validation of Debt Request - SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX 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 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. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: SC

Complaint narrative:
I am filing this complaint to report the collection tactics used by Structured Settlement whom XXXX to work alongside the XXXX XXXX XXXX XXXXXXXX XXXX XXXX, regarding a debt. Below is a factual timeline of our interactions. My wife has been assisting me with this matter. So when I say we, Im referring to me and her. Tuesday, XX/XX/XXXX : We spoke with a representative who stated they would " escalate '' the account to the Law Office of XXXX XXXX XXXX by the end of the day if we did not agree to a settlement/payment arrangement immediately. The agent specifically mentioned the law office can perform searches to determine " income '' and " garnishments '' in my county in XXXX XXXX. I have a verbatim transcript and recording of this call on XX/XX/XXXX. Wednesday, XX/XX/XXXX : The company called me again, and we returned the call and spoke. Thursday, XX/XX/XXXX : We called them. During this call, we explicitly requested a written validation of the debt. We also clearly stated that we wanted all future communication to be handled via mail only and asked them to stop calling our phones. Saturday, XX/XX/XXXX : Despite our conversation on Thursday and our verbal request for mail-only communication, the company called me again and left a voicemail. I also have proof of voicemail. I am concerned about the following : The agent threatened " garnishment '' in South Carolina, which I understand is generally not permitted for this type of debt in my state. The agent used high-pressure " now or never '' settlement tactics to prevent us from having time to think. The threatening to escalate my file to the law office if we took a day to think about it, is very unprofessional, especially considering there was no true intention to do so as they called us to work with us the next day. The company continued to call me after we verbally requested they stop and use the mail instead. The company called me on XXXX, only XXXX days after we had already had a full conversation with them on Thursday.

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 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: OK

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 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. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation