vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Union Home Mortgage Corp
State: WI

Complaint narrative:
My loan with Union Home Mortgage originated/closed on XX/XX/year>, paid off on XX/XX/year> in full. Upon receiving payoff amount request, I was notified that the escrow amount to be refunded will be {$1500.00}. I sent an email to Union Home Mortgage to also request the prepaid property taxes of {$2100.00} and prepaid homeowner 's insurance of {$490.00} on my closing statement be refunded. The response was " The only funds that are refunded are the remaining escrow funds on the loan. The funds collected at closing were collected to complete the closing of the loan. '' I don't this this is legal to request prepayments for specific escrow items at closing and then not refund them if you pay off your mortgage. This is deceptive of the company to say these funds were for prepaid property taxes and insurance clearly on the closing paperwork and now they say they were fees to close the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
A XXXX XXXX account was placed on my credit profile and later reported by a collection agency even though the information associated with the account does not belong to me. The address connected to this account has never been associated with me on any of my identification documents, credit reports, utility accounts, or personal records. After reviewing my credit information, I disputed the account and requested validation and documentation showing that the account belongs to me. I specifically requested records showing the service address, account application, agreement, and identifying information used to open the account. The information being reported does not match my identity or credit profile. This appears to be inaccurate reporting or a mixed credit file issue. I previously had a similar issue involving an incorrect address removed after verification confirmed the address was not associated with me. Despite this, this account continues to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
I received money from a friend, I wanted to transfer this money to my checking account. When I started the transfer, I accidently sent the money to a closed XXXX XXXX account. ( My fault ) I have been more than understanding due to my mistake. I have contacted Venmo customer services no less than 8 times. ( XXXX XXXX XXXX ) Each time, they claim they don't have the funds. That XXXX XXXX has them. I have contacted XXXX XXXX 3 times. They claim no transaction ever hit their system. If it would have for a closed account, they would have reversed it right away. XXXX XXXX claims they NEVER saw the funds from Venmo. So it is Venmo 's problem to fix. After endless hours of back of forth, Venmo opens a case. The temporally give me access to the funds. I transfer them to my checking account. Not even an hour later, they send me an email that they will take the funds back and close the case. My Venmo account now has a negative balance. I continue to contact Venmo customer service. Each time, getting a different answer. ( XXXX XXXX ) I just want my Venmo account to not be negative. That way I can use their service again. They have been completely unhelpful and that $ XXXX is floating around somewhere but I don't believe it is my fault they can't find it. Attached is many examples of my chat, and the docs I sent Venmo at their request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BMO bank has frozen my personal checking account ( {$15000.00} ) and business checking account ( {$4200.00} ). There is no disputes regarding anything related to my accounts. I need that money for living expenses and to run my business. They are holding my funds and have frozen my accounts for no reason.

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 2026-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XXXX, XXXXXXXX XXXX we received a letter from Rocket mortgage informing us that we didnt have home owners insurance. We have an escrow account and Rocket pays our insurance directly. I contacted Rocket. The insurance department through Rocket and client relations informed me that Rocket merged with Mr. Cooper and our mortgage fall through the cracks. Rocket failed their fiduciary duties. Our escrow account has the funds and they failed to make the payment. Our homeowners insurance was cancelled and because it was past 30 days we cant reinstate the policy nor will XXXX write another policy. We have had this same insurance policy for over 15 years and have always had Rocket pay XXXX directly through the escrow account. We did secure other insurance but Rocket refused to remove the lapse in coverage although it was their failure to make the payment that resulted in the lapse of coverage. I have spoken to many representatives within XXXX particularly l, XXXX in the insurance department who refuse to remove the lapse in coverage. Our goal is to have the lapse in coverage because it was their failure to make the payment that resulted in the lapse of coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
In early XX/XX/year>, I applied for a loan modification on my car, a representative took the application over the phone after explaining that I could apply for the modification. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX regarding my modification. I was given new loan arrangements with a new monthly payment of {$460.00}, which was to begin with the XX/XX/year>, payment date. I continued to receive several daily calls, requesting a full loan payment of {$880.00}. I explained that I had received the modification and what my new payment was. For several weeks, they replied with the fact that their system must not have updated yet. It has now been 47 days since the letter was published, and they still haven't corrected their system to reflect the new payment. They have dinged my credit report, and even though I have made XXXX payments of {$460.00} since then, the website shows me behind by {$820.00}. I asked to speak to a supervisor on XX/XX/year> and was hung up on instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: Innovate Managed Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted the organization to obtain payoff information. Following receipt of this information, I initiated a wire transfer through my financial institution. Both my bank and the recipient bank have confirmed the successful completion of this transaction. However, upon contacting this company, I was informed that the processing could take up to XXXX business days. After the XXXX-day period, I re-contacted the company, but the payment had still not been acknowledged. My bank subsequently conducted an investigation and verified that the funds were indeed transferred to Innovate Loan Servicing. Since XX/XX/XXXX, I have been in daily contact with this company, often twice a day, seeking resolution. Despite repeated escalations of my inquiry, a definitive resolution has yet to be provided. My name on the Title is : XXXX XXXX but Im now married and my last name has change to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year>. I sent XXXX XXXX on XXXX XXXX for a service. I didn't receive service. Seller ignored phone calls, text, etc. I requested refund from cash app. No refund so far

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc.
State: GA

Complaint narrative:
Account was restricted on XX/XX/year> for " fill source of wealth form. '' The form was completed same day. On XX/XX/year>, additional information was requested for my business which was provided on XX/XX/year>. On XX/XX/year>, source of funds was requested. Tax documents were submitted on XX/XX/year>. On XX/XX/year>, bank statements were requested. Provided bank bank statement which had redacted information. On XX/XX/year>, I requested they allow me to transfer my current funds to my other bank account as they have locked my funds not allowing a transfer or using the debit card. Three bank statements were submitted on XX/XX/year>. On XX/XX/year>, further information was requested which I am not sure what they are asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have Wells Credit Card and have XXXX promotional balances at 0 % interest. One expires ( now expired ) on XXXX and the other expires on XX/XX/year>. We sent our monthly regular payment on XXXX. And on the XXXX of XXXX we went to the bank branch to make a second payment to pay off the balance of about {$1500.00} which was going to expire on XXXX. Bank told us can not process payment only for one of the promotional balances. We contacted executive customer service at Wells. After two weeks back and forth with representative, he was researching the wrong account and did not offer resolution. We asked to escalate as the promotional balance is now past due, he delayed with a week and closed the complaint without offering resolution and trying to collect debt. Again, to make two payments. We asked for supervisor and he just closed the case.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX unauthorized charges from XXXX and XXXX * XXXX totaling approximately {$8200.00} were posted to my XXXX XXXX XXXX XXXX XXXXXXXX issued by Comenity Capital Bank in a single day, driving the balance to {$9700.00} against a {$2900.00} credit limit. I did not authorize any of these transactions. They resulted from my mobile phone being cloned by a third party. I filed a formal FCBA dispute via certified mail, delivered XX/XX/XXXX to Comenity Capital Bank in XXXX OH. XXXX opened an investigation, applied provisional credits, and on XX/XX/XXXX its Account Protection Team stated the charges " may involve fraudulent activity '' and that a " thorough investigation '' was underway. On XX/XX/XXXX only XXXX days later Comenity denied the dispute with a one-paragraph letter providing no specific documented basis, in violation of 15 U.S.C. 1666 ( a ) ( 3 ) ( B ). The denial is directly contradicted by Comenity 's own records. This account was previously issued under a prior card number. Between XXXX and XX/XX/XXXX, the identical merchant posted hundreds of fraudulent charges to the prior card. Comenity investigated and determined they were fraudulent, issuing XXXX individual entries labeled " BAL TRANSFER FRAUD ( TC ) CREDIT '' totaling {$8200.00} in XX/XX/XXXX. Comenity then issued a replacement card specifically because the prior card had been compromised by fraud. The replacement card was immediately targeted by the same merchant on XX/XX/XXXX in an identical rapid-fire transaction pattern. Comenity 's XX/XX/XXXX denial provides no explanation for how the identical merchant, confirmed as fraudulent by Comenity itself on the prior card, is now deemed legitimate on the fraud replacement card. The denial does not identify what information was reviewed, does not address the prior fraud reversals, and does not explain how XXXX same-day charges from a single merchant on a card with a {$2900.00} limit represent authorized consumer activity. This is legally defective under 15 U.S.C. 1666 ( a ) ( 3 ) ( B ), which requires a creditor denying a billing dispute to provide specific written documentation of the basis for that determination. I am requesting that the CFPB require Comenity Capital Bank to provide its specific documented basis for the XX/XX/XXXX denial as required by federal law, and to conduct a genuine reinvestigation consistent with its own prior fraud findings on this same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
My home was broken into on or around XX/XX/year>, and many of my personal belongings were stolen. Because of the break-in, I was unable to access or use the items I needed, including financial records, account information, and other property. After the break-in, I took action by contacting the company on or around XX/XX/year>. The police report number is available if needed. I also contacted the company to explain that the account/bill was affected by the burglary and that I needed help resolving the issue, but the company never responded to me. The amount being reported or collected is approximately {$310.00}. I am disputing this because the situation was caused by a burglary and theft, and I do not believe this account should continue to negatively affect my credit without the company properly investigating my dispute and reviewing the documentation. I am asking the company to investigate this matter, review any police report or supporting documents, remove or correct the negative credit reporting, stop any collection activity while the dispute is being reviewed, and provide written confirmation of the outcome.

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 2026-05-27 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Finance of America Holdings LLC
State: CT

Complaint narrative:
I paid off my Reverse Mortgage on XX/XX/year>. I received confirmation on XX/XX/year> that the mortgage was indeed paid off. At closing in access of {$1400.00} was held. I contacted Finance Of America to determine when I would receive my funds that were held at closing. XXXX, I was told I would receive the money within XXXX to XXXX calendar days. Later I was told XXXX to XXXX calendar days. I first wrote to the company via email at an address they specified namly bc-reverse.com. This XXXX email was sent on XX/XX/year> and a copy will be submitted with this complaint. I spoke with a supervisor named XXXX on XX/XX/XXXX who inquired of the accounting department when I would get my refund that I was told I would have it by XXXX, XX/XX/year>. When the refund did not arrive, I submitted a second email on that XXXX again requesting my refund. A copy of that email is submitted with this complaint. On XXXX I spoke with another supervisor who assured me I would receive the refund by today, Wednesday, XX/XX/year>. When the refund did not arrive, I called today and was told that they never received my request for a refund. I was told I should submit another written request. A copy of my third written request is enclosed with this complaint. The supervisor I spoke today was not at all helpful. This is when I decided to file a complaint with the CFPB. Respectfully, XXXX XXXX XXXX XX/XX/year> 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
My Cash App account was unexpectedly closed without a clear explanation. After the closure, I was instructed to verify my identity, but my verification attempts were repeatedly denied even though I submitted accurate information. I contacted Cash App support multiple times, requesting clarification regarding the alleged Terms of Service violation, the reason my verification was failing, and whether my account could be restored. However, support consistently provided vague, scripted responses that failed to answer my questions directly. Despite repeatedly requesting a specific explanation and a proper manual review, I was never given factual clarification about which activity supposedly caused the closure of my account. Support repeatedly avoided providing details while continuing to state that the decision would remain in place. I am seeking transparency regarding the reason for the account closure, clarification regarding the verification failures, and restoration of my account if no legitimate violation occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
To Whom It May Concern, I am requesting validation of the alleged debt referenced on my credit report pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). If you can not provide proper validation, I request that this account be removed from my credit report and all collection efforts cease immediately. Additionally, if this account was reported to any credit bureau without proper verification, I request an investigation pursuant to FCRA regulations. I expect a response within the timeframe required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
To Whom It May Concern, I am filing a complaint against XXXX XXXX XXXX XXXX ( XXXX ) for violations of the Fair Credit Reporting Act and XXXX consumer protection law. I leased vehicles in XXXX and XXXX. Upon trading those leased vehicles in, the dealership provided approximately {$5000.00} in positive equity on each transaction. Under XXXX law, a trade-in allowance is prohibited when a leased vehicle is surrendered upon leasing another vehicle ( XXXX DRS Policy Statement PS 96 ( 10 ) ). XXXX is now reporting these debts with a XXXX date, illegally re-aging debts that originate from XXXX and XXXX. This is an FCRA violation actively damaging my credit and interfering with my VA home loan. I am requesting a full investigation. XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation