vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XX/XX/XXXX I have opened a checking account in the BMO location downtown XXXX. I provided all relevant info regarding the account. However from the beginning the bank blocked me from online access stating " security issues '' with my profiles which they alleged I have six. I was told to resolve this I must show up at the branch to present my credentials. I did that in XXXX shortly before XXXX at the XXXX XXXX XXXX, XXXX branch however despite fulfilling the obligation the bank still did not allow me online access. After I filed a complaint the BMO 's XXXX XXXX again insisted that I come again to the branch and present my credentials. I did it again in XXXX at the XXXX branch assisted by the banker XXXX XXXX. XXXX XXXX has taken my ID and notorized it followed by the conversation with the BMO corporate support line. I was again given all clear to finally set up my online banking and have access to my account. Unfortunately I was still unable to do it so I called the number provided by XXXX XXXX just to find out that the number is to the standard customer service and he can not be reached for help. I am curious why XXXX XXXX reaches out to the customer promising assistance where in fact his Customer Advocacy Group position appears to be a fictitious one and he's not interested in hearing and resolving consumer complaints contrary to the written communication. As result I have had to close my account as any activity going further with the bank required an in person branch visit and continuing verification of my person. It is a problem as I recently have had some health issues and it's hard for me to walk as result of XXXX healing process. As result I have had to close the account. However as result of the issue I was credited only a {$300.00} opening bonus instead of full {$500.00} despite the $ XXXX direct deposit threshold being met. When I inquired on the issue the XXXX representatives refused to address the matter stating ( again ) inability of verifying my account. It seems that BMO is deliberately bans consumers from using its services while using a tag line of " verification '' as defacto discriminatory business practice. The notarized ID has been provided to the BMO on XX/XX/XXXX however the issue becomes unresolved. On my end if the issue is not resolve I will take a small claims action against the bank regarding the missing {$200.00} credit.

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 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I informed Onity Mortgage ( formerly PHH Mortgage ) on XX/XX/XXXX that the 78 % Loan-to-Value ( LTV ) threshold on my mortgage was reached on XX/XX/XXXX. Onity Mortgage ( formerly PHH Mortgage ) did not automatically termiante my Private Mortgage Insurance ( PMI ) as per the Homeowners Protection Act ( HPA ). On XX/XX/XXXX I was informed that my PMI has been terminated. A day later, on XX/XX/XXXX, I sent another message to Onity Mortgage ( formerly PHH Mortgage ) formally requesting a refund of overpaid PMI premiums totaling {$550.00}. I also added a detailed breakdown of the overpaid PMI premiums and its payment dates. On XX/XX/XXXX, I received a refund check for {$13.00}. I sent another message on XX/XX/XXXX requesting a refund for the outstanding balance of {$540.00}. On XX/XX/XXXX I received the following message from Onity Mortgage ( formerly PHH Mortgage ) : " The initial PMI removal request was received on XX/XX/XXXX, and the line was terminated on XX/XX/XXXX. Since there was no delay by Onity in processing the PMI removal, there is no refund due on the account. '' The same day I formally lodged a complaint with Onity Mortgage ( formerly PHH Mortgage ) regarding their failure to comply with the Homeowners Protection Act ( HPA ) regarding the automatic termination of Private Mortgage Insurance ( PMI ) on my account. I requested once more a refund of the unearned PMI premiums totaling {$540.00}. I also advised that I will escalate this matter by filing a formal complaint with CFPB if the funds are not credited. A day later, on XX/XX/XXXX, Onity Mortgage ( formerly PHH Mortgage ) confirmed the receipt of my message and said the team concerned will be reviewing my request. Ever since XX/XX/XXXX I haven't heard anything further. Please see the full exchange of messages between I and Onity Mortgage ( formerly PHH Mortgage ) attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate information being reported on my credit file by Nissan Motor Acceptance. I disputed this account and requested verification ; however, it continues to be reported despite inconsistencies across credit bureaus. The account reflects conflicting information, including differences in high credit amounts, date of last payment, and last activity dates. These discrepancies demonstrate that the information is not being reported with maximum possible accuracy and that a reasonable investigation was not conducted. This is a violation of the Fair Credit Reporting Act. Requested resolution : I am requesting immediate correction or deletion of this inaccurate account, a proper investigation compliant with federal law, and written confirmation of the results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Guild Holdings Company
State: GA

Complaint narrative:
I have contacted Guild Mortgage multiple times regarding needing a letter or an actual escrow statement so my 401k company will release {$3000.00} for the escrow balance. I am trying to get my monthly payments back down to a reasonable rate. Every time I contact the mortgage company, they tell me that there is nothing that they can give me, which leaves me in the lurch.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I refinanced my property located at XXXX XXXX XXXX, XXXX, CA on XX/XX/year>. As part of the refinance, my prior HELOC serviced by Shellpoint Mortgage Servicing ( XXXX # XXXX ) was paid in full. The payoff was disbursed at closing and is documented in the Closing Disclosure and settlement documents. A signed Request to Close and Cancel Mortgage Loan was submitted on XX/XX/year> directing Shellpoint to prepare and record a satisfaction of the mortgage. Despite full payoff and written closure authorization, the Deed of Trust remains unreleased of record. Shellpoints own payoff documentation states that a release would be recorded upon payoff. This indicates a failure to execute and/or record reconveyance after satisfaction of the secured obligation. This is creating a cloud on title and impacting my property rights. Resolution Requested I am requesting : Immediate execution and recording of the Deed of Reconveyance Written confirmation of the recording, including instrument number and date Explanation for the delay in releasing the lien after full payoff and closure request If this issue is not resolved promptly, I will pursue additional remedies under applicable California law regarding failure to timely release a lien.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
I purchased a XXXX XXXX XXXX vacuum from XXXX. what showed up was a different used vacuum in the correct XXXX XXXX XXXX box. I immediately initiated a return with XXXX. They took a week or so then denied my return. I appealed with XXXX a few times stating it was the wrong item. XXXX then informed me they discarded the item I returned. I asked XXXX to refund me or send me the correct item. XXXX refuses to do anything to assist me and this is not the first time this has happened to me. This was purchased with Affirm so I disputed this with Affirm 3-4times and each time they sided with XXXX and told me that there was no evidence so now I am out {$860.00} and have nothing to show for it. I am close to filing a lawsuit for damages for my time and aggravation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Flat Branch Mortgage, Inc.
State: MO

Complaint narrative:
Flat Branch Mortgage is refusing to review my VA lossmitigation application and is verbally telling me I am not eligible for a modification because the loan is not in my name, even though I am a confirmed successor in interest. This violates federal servicing rules, including Reg X and VA requirements to evaluate all homeretention options such as VA loan modification, repayment plans, forbearance, and partial claim options. I submitted a complete hardship package, but Flat Branch has provided no written decision, no evaluation, and continues to give verbal denials and collection pressure. I am requesting CFPB intervention to require Flat Branch to issue a written determination, stop verbal misrepresentations, and comply with all federal successorininterest and VA servicing rules.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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:
I contacted Wells Fargo on XX/XX/XXXX regarding late fees I just had seen being applied to my credit card acct. showing I was 24 hrs late. I recall making the payment late in the evening on the due date so they reversed the charge & credited my acct but failed to adjust the minimum payment. I correctly made the adjustment and made my payment on the due date. On XX/XX/XXXX I noticed my acct had another late fee of {$40.00} now. I immediately called and told them i was not late so the reversed the fee however there was no adjustment to my acct. They have frozen my card saying I didnt pay the minimum payment shown on my statement. That once my minimum payment gets generated there is no adjustments with regard to credits, and/or fee reversals. They refuse to activate my card eventhough I have filed a claim that the credit should be applied thereby showing my acct as up to date. They will not adjust my acct accordingly. On XX/XX/XXXX, I had spoken to 6 different people. 1 didnt know the bank mathematical procedure on how to calculate the min payment, I had to tell her. 3 other people dropped the call. None would provide a supervisor. On XX/XX/XXXX, I spoke to someone who finally provided case # and the number to executive office. I spoke to XXXX XXXX He would not acknowledge that there maybe be a problem. He just kept saying I had to pay the late fee before my card would be activated. There is no policy that fits this situation but a decision would need to be made according to the facts and apply policy as would be in customers interest where the correct numbers are applied. I have never been late or missed a payment. This is ridiculous. Im asking for my acct to be properly adjusted to reflect the correct minimum payments, that any charges be completely removed and correct any negative information provided to any credit reporting agency 's. But most of all the reactivation of my credit card. I have an emergency situation and my credit is the key to resolve it. Please note : While speaking with XXXX, he advised me that there was no other person I could appeal too and that any complaint I made would go to him anyway and that I have no resolution but to pay the fees and pay the incorrect amount that my statement generates for minimum payments. I pointed out the I did not see anywhere on their policy and/or contract addressing this situation. It is ambiguous on reversed fees and adjusted minimum payments. Yes, you must pay the minimum payment as per bank calculation using the acct. balance and generated interest. It does not stipulate that you must pay exactly what your statement states even if it is incorrect. Please provide this complaint to someone who has the authority to make personable decision on this particular issue.

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Roadrunner Account Services, LLC
State: AZ

Complaint narrative:
* * Product : * * Vehicle loan/ powersports financing * * Company : * * Roadrunner Financial * * Complaint : * * I am submitting this complaint regarding my account with Roadrunner Financial. I am currently behind on my payments but have been making good-faith efforts to bring the account current. On or around [ XXXX ], I attempted multiple times to make a payment by phone and through the online system. My account appears to be locked, and I am unable to make payments through either method. I recently made a {$300.00} payment on my last paycheck, and I am actively trying to continue making payments. When I called customer service to make a payment, I was transferred to a manager who spoke to me in an aggressive and unprofessional manner. I requested to speak with someone else due to her behavior, but she refused, stated she was allowed to be rude, and repeatedly hung up on me. After this interaction, I was unable to reach customer service again and my calls are now routed to voicemail. As a result, I am currently being prevented from making payments on my account despite repeated attempts. I have documented my call attempts and recorded the interactions. I am concerned that I may be charged additional fees or face repossession despite my efforts to pay. I have also sent an email and submitted a complaint on their website. * * Desired Resolution : * * * Immediate restoration of access to my account so I can make payments * Waiver of any late fees or penalties resulting from my inability to pay due to account access issues * A direct contact or escalation path to a supervisor or appropriate department that speaks professionally * Confirmation that my account will not be negatively reported or subject to repossession due to this issue I am requesting that Roadrunner Financial review this matter promptly and provide a way for me to bring my account current without further obstruction. * * Additional Information : * * I have records of my payment attempts, call logs, and recordings of my interactions with customer service, which I can provide upon request. It feels like at this point they want to take the quad and not allow me to pay even though I have clearly been working on paying and even completed the recent payment arrangement. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AR

Complaint narrative:
XXXX XXXX open up a account with us bank in 2013 did dda transfers when I had XXXX balance but could overdraft my account a XXXX dollars all I ask is to put my inactivity back in follow up recurring balance open old close account and make everything even and close old account normal way

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: WV

Complaint narrative:
The companys name is credit control LLC. Theyve called me twice asking for a XXXX XXXX. I dont know this person. Im XXXX and I cant deal with this stress so I would like for the calls to stop.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to LVNV Funding LLC. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that LVNV Funding LLC currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to LVNV Funding LLC. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all 10 items requested in the attached letter are addressed completely and directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: WI

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my account with Chime that have been improperly denied despite clear supporting evidence. Between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a series of unauthorized transactions totaling approximately {$2200.00} were made using my physical card. For instance, On XXXX XXXX XXXX, two of these transactions occurred within a very short timeframe at different locations : * {$130.00} at XXXX XXXX XXXX WI at XXXX XXXX * {$66.00} at XXXX XXXX XXXX XXXX at XXXX XXXX At the time of these transactions, I was actively working my shift from XXXX XXXX to XXXX XXXX, as verified by my timecard. The first charge occurred only 9 minutes after I clocked in, making it physically impossible for me to leave work, travel to the store, and complete a purchase. The second transaction occurred at a separate location shortly after, further confirming these were not made by me. I reported these transactions promptly and submitted supporting documentation, including my timecard and transaction records. I also filed a police report, and law enforcement has confirmed that another individual was captured on surveillance footage using my card and is currently awaiting video release approval from XXXX. Despite this, Chime denied my dispute twice, stating the decision was based on my spending behavior and transaction history. However, this conclusion is inaccurate. My normal spending behavior shows that I primarily use XXXX XXXX and do not typically use my physical card for in-person transactions. The disputed transactions were completed using the physical card and are inconsistent with my normal usage patterns. Additionally, the denial appears to rely on generalized assumptions rather than a full and thorough investigation of the evidence provided, including my verified work schedule and police findings. These unauthorized transactions have caused significant financial hardship, as I have been unable to recover funds that were taken without my authorization. I am requesting a full reinvestigation and reimbursement for these unauthorized electronic fund transfers in accordance with the Electronic Fund Transfer Act.

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

Complaint narrative:
This account is currently being reported on my credit file with an open date of XX/XX/year>. However, I have documented evidence showing that I had possession of the trailer associated with this account on XX/XX/year>. This directly contradicts the reported open date and demonstrates that the account is being reported inaccurately. Additionally, I rejected the terms of the agreement prior to XX/XX/year> after discovering that the terms were misrepresented at the time of signing. I was not provided with a full written contract or proper disclosure of terms, and I did not accept the agreement once the actual terms were disclosed. The trailer was returned, and the transaction was disputed immediately. Therefore, there is no valid or enforceable obligation.

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 2026-05-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX case # XXXX phone # XXXX addreess XXXX XXXX XXXX XXXX Ca XXXX I have Requested a new XXXX XXXX card sent in my ID Social Security Card Birth certificate To XXXX XXXX They reffer me back to Social Security because they can not validate my account and social security says there is nothing they can do.It has been over XXXX mths and still nothing. social security said usually after 4 months they would return money to docial security but has not happened. Please help me

Company response to consumer: Closed with explanation