vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: HOMESTEAD FUNDING CORPORATION
State: NY

Complaint narrative:
Homestead Funding Corp. XXXX XXXX XXXX. XXXX XXXX, NY XXXX The above listed mortgage loan company sold my mortgage loan, as is their right, to an out-of-state, small bank. The out-of-state bank, XXXX XXXX XXXX XXXX Pennsylvania XXXX does not provide consumer services for mortgage loan holders, of the loans they've purchased, unless the consumer agrees XXXX open an account at XXXX XXXX XXXX XXXX Pennsylvania XXXX For example, XXXX XXXX XXXX XXXXXXXX Pennsylvania, does not allow online bill pay XXXX mortgage borrows, of who's loans they've purchased, unless the borrower agrees XXXX open a checking account with XXXX XXXX XXXX XXXX Pennsylvania. XXXX XXXX XXXX XXXX Pennsylvania is local only XXXX XXXX state, Pennsylvania. My original loan was opened in New York, XXXX the home is in NY, XXXX then sold to a bank that has no branches located in New York. XXXX XXXX XXXX XXXX Pennsylvania is refusing online bill pay for the mortgage payment, unless I open an account with them. Which I have no interest in doing, based on the fact that they are refusing service for an item that they agreed to purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
As of XX/XX/year>, Transworld Systems Inc. has reported a debt in the amount of {$620.00} I have never been contacted by the company. I do not have letters or validation of debt before reporting on my credit report. They did not abide by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: Chime Financial Inc
State: MS

Complaint narrative:
I left my card at a gas station. later that day multiple transactions were made off my card. i contacted chime XXXX dispute the claims they said the transactions were still pending XXXX i would have XXXX wait. i saw that they were XXXX longer pending so i called they disputed the charges. a couple days later they denied my dispute and said i would have XXXX wait until some weeks XXXX reopen my claim and that i would have XXXX pay for the money that someone STOLE off my account. I called yesterday XXXX was told they would reopen my claim XXXX that i could contact the merchant. today i get an email that they have locked my account so now im out of my money, i cant contact the merchants XXXX i cant get into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
A collection account from Credit Collection Services is currently being reported on my credit report in the amount of {$610.00} associated with XXXX XXXX XXXX XXXX, account # XXXX. I do not recognize this alleged debt XXXX have no knowledge of what this account could possibly be for. Prior XXXX this account appearing on my credit report, I never received any initial notice or written communication from this company regarding the alleged debt. Under the Fair Debt Collection Practices Act, consumers must receive written notice of a debt XXXX their right XXXX dispute it. Because I never received this notice XXXX do not recognize the account, I requested proper validation of the alleged debt multiple times. Despite my repeated requests, Credit Collection Services has failed XXXX provide documentation verifying that the alleged debt is valid or that they have the legal authority XXXX collect it. Because this appears XXXX be related XXXX an insurance account, proper validation should include documentation such as : Documentation identifying the insurance policy associated with the alleged debt The policy number XXXX dates of coverage A complete itemized statement explaining how the balance of {$610.00} was calculated Documentation demonstrating that I authorized the insurance policy associated with the account Documentation proving that the collection agency has the legal authority XXXX collect the debt Documentation demonstrating that the alleged debt was legally assigned or transferred from XXXX XXXX XXXX XXXX XXXX the collection agency Despite my requests for this documentation, the company continues XXXX report this account on my credit report without providing proper validation. Under the Fair Credit Reporting Act XXXX ( b ), companies that furnish information XXXX credit bureaus must ensure the information reported is accurate and capable of verification XXXX must comply with XXXX XXXX reporting standards. Because this alleged debt has not been properly validated XXXX I never received the required initial notice, the continued reporting of this account raises serious concerns regarding compliance with the FCRA, XXXX XXXX reporting standards, XXXX the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: TX

Complaint narrative:
On [ XX/XX/XXXX ], I purchased a XXXX XXXX XXXX XXXX XXXX that became inoperable within XXXX hours, The vehicle would not start XXXX left me stranded. I notified the dealer, XXXX they replaced the fuel pump. Within XXXX hours after the fuel pump replacement, the vehicle again failed to start XXXX became inoperable a XXXX time. The vehicle is currently not drivable XXXX not in my possession its in possession of XXXX XXXX The XXXX history shows repeated fuel system issues prior XXXX the sale, including multiple fuel pump replacements, a theft/recovery event, and major mechanical repairs. These issues were not disclosed XXXX me before financing was approved. I notified the dealer immediately after both breakdowns, but the dealer refuses XXXX unwind the sale or provide a replacement vehicle. I also notified the lender that I filed complaints with the Texas XXXX XXXX XXXX XXXX the Texas Attorney General XXXXXXXX XXXX XXXX regarding the sale of a defective vehicle. Despite the vehicle being unusable and under active state investigation, the lender continues XXXX treat the contract as valid XXXX has not paused the loan or conducted any investigation into the dispute. I am being billed for a vehicle that can not be driven XXXX was defective at the time of sale. I am requesting that the lender investigate the validity of the loan, pause billing while the dispute is reviewed, XXXX assist in resolving the issue with the dealer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
. Debt Validation Requests Ignored I sent XXXX ( XXXX ) certified debt-validation requests, the XXXX of which Shellpoint signed for on XX/XX/year>. I possess certified mail receipts with signatures. Shellpoint has never provided lawful validation, including : A complete chain of title showing all assignments Documentary proof identifying the current legal owner of the loan A line-by-line accounting explaining how the alleged balance of $ ' XXXX was calculated Proof of Shellpoint 's XXXX XXXX XXXX on behalf of the alleged owner Disclosure of whether the loan was purchased or merely serviced, XXXX at what value '' Instead, Shellpoint has sent payment XXXX, monthly statements, XXXX a copy of a deed, which do not constitute validation. XXXX. Improper Collection Activity While Debt Is Disputed Despite validation remaining outstanding, Shellpoint continues XXXX : Send monthly billing statements Send packets labeled as " compliance '' materials Represent the debt as due XXXX collectible

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Retail Merchants Associates
State: TX

Complaint narrative:
A collection account from Retail Merchants Association XXXX XXXX is being reported on my credit report for {$1700.00} associated with XXXX XXXX XXXX under account # XXXX. I have absolutely no knowledge of this alleged debt XXXX do not recognize what this account could possibly be for. Before this account appeared on my credit report, I never received any initial notice or communication from this company regarding this alleged debt. This is extremely concerning because under the Fair Debt Collection Practices Act ( FDCPA XXXX ), a consumer must receive written notice of the debt and the right XXXX dispute it. Because I did not recognize this account, I requested proper validation of the alleged debt. I requested documentation demonstrating that the debt is valid, that I authorized the services associated with the alleged balance, XXXX that Retail Merchants Association has the legal authority XXXX collect the debt. Despite my request, I have not received proper validation of this alleged debt. Proper validation should include documentation such as : A copy of the agreement or documentation showing I authorized the services A detailed itemized statement explaining how the balance of {$1700.00} was calculated Documentation identifying the original creditor XXXX date of service Documentation proving the collection agency has the legal authority XXXX collect the debt Instead of providing this documentation, the company continues XXXX report this account on my credit report. Under the Fair Credit Reporting Act ( FCRA XXXX ( b ) ), companies that furnish information to credit bureaus must ensure that the information being reported is accurate XXXX verifiable. Furnishers must also comply with XXXX XXXX reporting standards, which require that accounts reported XXXX credit bureaus be properly documented XXXX capable of verification. Because this account has not been properly validated XXXX I never received initial notice before it appeared on my credit report, the continued reporting of this account raises serious concerns regarding compliance with the FCRA, XXXX XXXX reporting standards, XXXX the FDCPA. I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a Bank of America XXXX credit card. They locked my account for suspicious activity. Around XX/XX/XXXX, I called them XXXX unlock my account, and waited for XXXX minutes. The agent wasn't able XXXX verify my identity on the phone. I went XXXX the XXXX XXXX branch on XX/XX/XXXX. The employee XXXX was very kind, he verified my identity but then we called the fraud line together in the branch, we waited for XXXX minutes XXXX yet wasn't able XXXX talk XXXX anyone. He was very apologetic, but unfortunately we were never able XXXX reach the line even from their own branch. Now, they closed my account XXXX I can't get information from anyone about this account anymore.

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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I applied for the XXXX XXXX Gold American Express card through a " Booking Path '' offer during a flight checkout on XXXX. The promotional offer explicitly stated : " Earn a {$500.00} XXXX XXXX XXXX XXXX Bonus XXXX. '' During the application, the screen displayed a dynamic calculation of my purchase : an original amount of {$890.00} reduced XXXX a " Total After XXXX XXXX '' of {$390.00}. I have a time-stamped screenshot of this exact offer XXXX mathematical calculation. Despite this clear documentation, American Express has failed XXXX apply the {$500.00} credit. I opened an investigation with them, but XXXX closed the case, claiming the offer did not exist, which directly contradicts their own checkout interface. Furthermore, because this {$500.00} was never credited, I have been incorrectly charged interest on a balance that should not exist. Under Regulation XXXX, I am not responsible for finance charges resulting from a billing error. XXXX has refused XXXX correct the error, verify the internal XXXX ID ( XXXX ) for the XXXX offer, or address the incorrectly accrued interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
A collection account from Sequium Asset Solutions LLC is currently being reported on my credit report in the amount of {$310.00} associated with XXXX XXXX, account # XXXX. I do not recognize this alleged debt and have no knowledge of what this account could possibly be for. Prior XXXX this account appearing on my credit report, I never received any initial notice or written communication from this company regarding the alleged debt. Under the Fair Debt Collection Practices Act, consumers are required XXXX receive written notice of a debt and their right to dispute it. Because I never received this notice XXXX do not recognize this account, I requested proper validation of the alleged debt multiple times. Despite my repeated requests, Sequium Asset Solutions has failed XXXX provide any documentation verifying that this debt is valid or that they have the legal authority XXXX collect it. Because this appears XXXX be related XXXX a telecommunications account, proper validation should include documentation such as : Documentation identifying the service address associated with the alleged XXXX account The dates of service associated with the alleged account XXXX complete itemized billing statement explaining how the balance of {$310.00} was calculated Documentation demonstrating that I authorized the services associated with the account Documentation proving that Sequium Asset Solutions has the legal authority XXXX collect the debt Documentation demonstrating that the alleged debt was legally assigned or transferred from XXXX XXXX the collection agency Despite my requests for this documentation, the company continues XXXX report this account on my credit report without providing proper validation. Under the Fair Credit Reporting Act XXXX ( b ), companies that furnish information XXXX credit bureaus must ensure that the information reported is accurate and capable of verification and must comply with XXXX XXXX reporting standards. Because this alleged debt has not been properly validated XXXX I never received the required initial notice, the continued reporting of this account raises serious concerns regarding compliance with the FCRA, XXXX XXXX reporting standards, XXXX the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 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: Klarna AB
State: NH

Complaint narrative:
I returned merchandise within XXXX week, XXXX it was delivered on XX/XX/year> ( confirmed by tracking ). The merchant delayed processing the refund for over XXXX days, which caused a late payment XXXX be reported inaccurately. I have provided documentation showing the return XXXX delay. I am requesting correction of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank sent me a notification that I opened a saving and a credit card with them on XX/XX/2026. I did not opened these accounts with US Bank. I am nit a US Bank customer and did not opened to these accounts. I called and reported the fraud to them and they have closed the account and put a notice on the account regarding this fraud. They are sending me some forms to fill out.

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 2026-03-26 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: TX

Complaint narrative:
I am submitting this complaint regarding refunds that were issued by the merchant but were not received or properly applied to my account, resulting in financial harm and inaccurate credit reporting. This complaint includes new evidence that was not available during my prior complaint. According to XXXX prior response, I contacted XXXX on XX/XX/year> and XX/XX/year>, and a fraud claim was opened. XXXX stated that the investigation concluded on XX/XX/year>, and I was held liable for the transactions. However, XXXX also confirmed that on XX/XX/year>, additional information prompted a second review, and certain transactions were later determined to be fraudulent and credited to my account. This demonstrates that the initial investigation was not final and raises concerns about the accuracy and completeness of the conclusions. My primary concern involves the XXXX XXXX transactions. I contacted XXXX XXXX directly, and a representative confirmed that both tickets were refunded in full to the original form of payment. The refund details are as follows : Ticket XXXX : {$600.00} refunded on XX/XX/year> Ticket XXXX : {$600.00} refunded on XX/XX/year> XXXX refunded : {$1200.00} The merchant confirmed that both refunds were successfully processed and issued to the original form of payment, and that the ticket numbers serve as the reference numbers for these transactions. Despite this confirmed refund, my account with XXXX XXXX XXXX does not reflect these amounts. I have been informed that the funds were not received, yet I was still held responsible for the charges. Interest was applied, and my account was reported as delinquent. This indicates a failure to properly trace, apply, or investigate refunded transactions. Given that the merchant has confirmed the refunds were issued, XXXX conclusion that I am responsible for these refunded charges is not accurate and suggests that the refunded funds were not properly accounted for. It is not fair or accurate for me to be held responsible for charges that were already refunded by the merchant and confirmed as processed. I should not be required to pay for transactions that have already been returned to the original form of payment. I have supporting documentation confirming the refunds, including exact dates, amounts, and reference numbers. Although I do not agree with these charges, I paid the full balance to prevent further damage to my credit, and the account has since been closed. This does not change the fact that the refunded amounts were not properly applied.

Company response to consumer: Closed with explanation