vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MD

Complaint narrative:
This is the third loan collector for student loans that are forgeries have been police reported FTC did not live in California use of my Social Security number with that address is stolen information and forgery consolidation loans This is the third loan collector for student loans that are forgeries have been police reported FTC did not live in California use of my Social Security number with that address is stolen information and forgery consolidation loans XXXX is the fourth service that has tried to collect on these bad debts every time I send the information with proof, I did not live in California my signature is obviously dont match promissory notes without a lender signature. These loans have been canceled due to fraud and these servicers keep passing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I was previously enrolled and actively using XXXX through my BMO Bank account up until XX/XX/year>, when an unknown flag caused my XXXX access to be blocked. I was not provided with a clear explanation at that time. Recently, I attempted to re-enroll in XXXX through my BMO account but received an error stating there is a problem with my profile information. When I contacted BMO, I was told that my token ( my phone number and email associated with XXXX XXXX was restricted due to suspected fraud. However, my bank account is in good standing with no fraud activity. To resolve this, I contacted XXXX XXXX XXXX, the company that operates the XXXX network. I participated in a three-way call with both XXXX XXXX and BMO, during which XXXX XXXX confirmed that my phone number and email are NOT restricted at the network level. Despite this confirmation, BMO has continued to state that they can not remove the restriction or reset my XXXX profile. I have made multiple attempts to resolve this by phone, including speaking with supervisors and the fraud department, but I have been transferred between departments, disconnected multiple times, and have not received a resolution. As a result, I am unable to enroll in or use XXXX through my bank, even though there is no restriction on my account or at the network level. This issue has caused ongoing inconvenience and has not been properly addressed by the bank.

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 2026-04-21 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: Meridian Financial Services, Inc.
State: MI

Complaint narrative:
I told this company I have not signed anything saying I own this debt nor can they provide a contract agreement with my signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - XXXX U.S.C. XXXX ( a ) ( XXXX ) - XXXX U.S.C. XXXX ( a ) ( XXXX ) - XXXX U.S.C. XXXX ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I am filing this complaint against Onity Mortgage Corporation ( formerly PHH Mortgage Corporation ) regarding the improper denial of my loan modification after I successfully completed all required trial payments. On XX/XX/year>, Onity notified me that my account was no longer eligible for mortgage assistance because I allegedly failed to provide an affordability attestation within XX/XX/XXXX days. I am disputing this for XXXX reasons. First, the request was never properly delivered. My account is coded for paperless communication, confirmed by multiple Onity and PHH representatives on recorded calls. The attestation request was sent by U.S. mail only and I never received it. It was also never uploaded to my online document portal. As of XX/XX/year>, no such request appears anywhere in my account. I have enclosed a portal screenshot confirming this. XX/XX/XXXX, I actively contacted Onity within the timeframe and received no warning. On XX/XX/year>, XXXX days before the XX/XX/XXXX deadline, I called Onity. An automated message directed me to use the online portal due to extended wait times. I did so that same day, confirming my trial payments were complete and asking about next steps. Onity responded on XX/XX/year>, just XXXX days before the deadline, confirmed receipt of my payment, and told me to allow time for the final agreement to be updated. There was no mention of any outstanding document, deadline, or required action. I relied on that response in good faith. I have enclosed this message exchange. Prior to that, I received XXXX identical voicemails on XX/XX/XXXX and XX/XX/XXXX asking me to call in. Neither referenced an attestation or any deadline. I completed every trial payment on time. I reached out proactively. I followed Onity 's own instructions. Onity 's written response gave me no reason to believe anything was missing. Despite this, Onity has withdrawn my modification and is offering only a short sale or deed in lieu of foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC.
State: SC

Complaint narrative:
I am pasting the most recent demand to Axos Bank and Axos Investing : " I will be forced to empty my savings and checking to prevent another automated transfer to self directed trading, which I have been unsuccessful stop this, or having Axos stop this, and eliminate the additional transfer of {$50.00} to a secondary trading account that I had requested closed and assumed it had been closed. Axos has no business offering a stock investment option if it will not allow the account holder to adjust, cancel and stop transfers, because Axos has managed to drain my savings account and deprive me with interest I would have earned. I believe Axos should refund me lost interest resulting from automatic transfers that before my direct deposit therefore defaulting to my savings account. it allowed me no control over any of this and I discovered prior after Axos failed to respond to multiple requests that losses of about {$3000.00} in my investing account represented margin buys, which I never knowingly made, because I only invested funds available as cash. '' ( I never rectified this, and despite call center agents claiming to have resolved all of this, these automatic transfers continue, and my savings account diminished monthly by {$500.00} because drafts occured before direct deposit date, every month since XXXX ( and an additional {$50.00} twice ) though the XXXX draft may also have occured after I had made a XXXX time transfer but could stop it was reoccurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: MN

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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am filing a complaint regarding Navy Federal Credit Union placing my account into a negative balance of approximately {$4000.00} due to reversals of Advance Child Tax Credit payments originally issued in XXXX under the American Rescue Plan Act. These funds were deposited into my account and later adjusted or reversed by the Internal Revenue Service. I have been actively attempting to resolve this matter with the IRS since XXXX, but the issue remains unresolved. As a result of these reversals, my account was placed into a significant negative balance. I did not initiate or control the reversal of these funds. At the time the deposits were made available, I reasonably relied on them for necessary living expenses. I am requesting that Navy Federal Credit Union provide fair treatment in resolving this matter, including : * Waiver of all overdraft and related fees * A hardship review of my account * A reasonable repayment plan or consideration of partial adjustment of the balance * A pause on any collection activity while the IRS dispute is ongoing This situation stems from an ongoing federal tax adjustment issue and has caused significant financial hardship. I am seeking a fair and reasonable resolution that takes into account the long-standing nature of the IRS dispute and my efforts to resolve it since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Sparrow Financial, Inc.
State: OR

Complaint narrative:
Company has unreasonable fee policies/lack b of forgiveness despite circumstances related to fraud. Upon closing account, the annual fee ( billed monthly ) continues to be charged. I feel that this company is taking advantage of vonerable consumers and should stop charging the annual fee when an account is closed, as most reputable credit cards do. Consumers beware, avoid this credit card!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CA

Complaint narrative:
Company : Capital One Product : Credit Card ( Quicksilver ) Issue : Dispute resolution / billing dispute handling Complaint : I am filing a complaint regarding how Capital One handled a dispute on my credit card account. I reported a transaction that I believed to be fraudulent. After submitting the dispute, I received only a vague email stating that I would be held responsible based on their findings, but no explanation of what those findings were. After that, I made multiple attempts ( approximately 67 times ) to contact Capital One for clarification and follow-up. I did not receive meaningful responses to these attempts and was not provided with any detailed information about the investigation. Months later, I was informed that my dispute was denied because it was reported outside of the allowed timeframe. This was never clearly communicated to me during my earlier attempts to follow up. Additionally, I was told that because I made payments on my account, this counted as acknowledgment of the charges, which I do not believe is a fair or reasonable conclusion. I do not review every transaction before making payments, and making a payment should not waive my rights to dispute unauthorized charges. I am primarily concerned with the lack of communication, transparency, and consistency in how this issue was handled. I was not given a fair opportunity to understand or respond to the decision, and my repeated attempts to get clarification were effectively ignored. Desired Resolution : - A full explanation of the investigation findings and decision - A review of the denial based on the lack of communication and follow-up - Consideration of reversing the charges given the circumstances and poor handling of my case - Improvement in customer service practices to ensure other customers are not treated similarly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FourLeaf Federal Credit Union
State: GA

Complaint narrative:
On XX/XX/2026, I deposited a remediation check from XXXX XXXX XXXX XXXX via mobile deposit. Without any notice FourLeaf Credit Union locked my entire account I received no letter, no call, no email, or in-app alert. I only discovered the lock when I tried to pay my mortgage and purchase food. I attempted to contact FourLeaf that same day, but their offices were closed. At this point I had no access to my funds and no way to reach anyone. The following morning, XX/XX/XXXX, I called three times. My account remains locked as of the filing of this complaint. My issue is the check was issued by XXXX, a federally regulated bank, with a publicly identifiable routing number. FourLeaf had immediate access to standard interbank verification tools, including XXXX check verification line, routing number validation, and XXXX XXXX XXXX. They did not use any of them. Instead, they locked my account and demanded I send them justification of the check issued by a major federal bank. placing their verification responsibility on me, the consumer. I had money in my account prior to the check and was denied access to those funds as well. As a direct result, I have been unable to pay my mortgage which incurred a late fee. I was also unable to purchase food for two consecutive days I have small children and needed my funds to feed them. This is not a minor inconvenience it caused me stress and XXXX. This financial hardship caused entirely by FourLeaf is unlawful and negligent conduct. I have been with this credit union for over a year and even after sending them verification of the check, they still did not release the funds for the check Violations include Regulation CC : No written notice of account restriction provided ; pre-existing funds unrelated to the deposited check unlawfully withheld. UDAAP ( Dodd-Frank ) : Locking a consumers account without notice and refusing to use available verification tools is an unfair and abusive practice causing substantial harm. Breach of Account Agreement : Account was restricted without the notice required under standard account terms. Negligence : Failure to use readily available interbank verification tools directly caused documented consumer harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: AL

Complaint narrative:
At loan origination, my mortgage ( originated by XXXX XXXX XXXX and now serviced by PennyMac Loan Services ) included an escrow estimate that materially understated my actual property tax obligation. The escrow calculation relied on prior property tax figures of approximately {$3100.00}, which reflected a homestead exemption applied to the previous owner. Upon transfer of ownership, the removal of that exemption was a known and foreseeable event that resulted in actual property taxes of {$5500.00}. Additionally, at the time of closing, local property tax increases had already been approved and were publicly available, further indicating that reliance on prior tax figures would materially understate the actual tax obligation. Despite these factors, the escrow estimate did not reasonably account for the significant and predictable increase in property taxes. As a result, the escrow account was underfunded from inception, leading to an escrow deficiency, negative balance, and a material increase in my monthly payment from approximately {$2400.00} to {$2900.00}, driven by shortage recovery and reserve requirements. The impact of the initial escrow miscalculation was not identified or communicated until after the escrow account had already become deficient, as reflected in the subsequent escrow analysis and payment change notice. As a result, I was not provided a reasonable opportunity to anticipate or prepare for the significant increase in my monthly payment. While I understand escrow estimates are not required to be exact, they are required to be reasonable and based on the best information available at the time of origination. The reliance on homestead-reduced tax data without reasonable adjustment for known and foreseeable changes resulted in a materially inaccurate estimate. I requested clarification and documentation regarding how the original escrow estimate was calculated, including what tax data was used and whether adjustments were made for the removal of the homestead exemption and known tax changes, but did not receive a sufficient explanation. This issue originated at loan origination but continues to materially impact my account under current servicing. I am requesting that the servicer conduct a full review of the origination escrow calculation and provide appropriate corrective action, including adjustment, credit, or other financial relief to address the impact of the materially inaccurate estimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
So this company Credit Company Management created and reported a false report of {$830.00} to the Credit Bureaus Hurting my credit... This Medical Bill has been paid fully since XX/XX/year>. They seem to have two Addresses " XXXX XXXX XXXX '' Claims i have not paid and is creating false statements. CREDIT MANAGEMENT XXXX reported a New Account to your XXXX credit file. Source : XXXX Company : CREDIT MANAGEMENT XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX

Company response to consumer: Closed with explanation