vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
Responding to NewRez 's Reply dated XX/XX/2026 to CFPB # XXXX NewRez 's XXXX Department XXXX XXXX of events are inaccurate and therefore misleading. THESE ARE THE ISSUES UNRESOLVED Sufficiency of the current Flood coverage under the Comprehensive Hazard Policy Misleading a government agency through inaccurate information Financial Exploitation that constitutes Elder Abuse under state and federal laws

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 2026-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( C/O XXXX XXXX XXXX ) purchased a credit card debt I owed to another financial institution over XXXX years ago, They falsely claim that my account was opened on " Date Opened XX/XX/2023 '' when I know for a fact that the original default date of this debt is over XXXX years ago. I sent a certified letter to them ( see attached documentation provided ), and they have not replied nor removed their negative notes on my credit report.

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 2026-07-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: Point Digital Finance, Inc.
State: MA

Complaint narrative:
On XX/XX/2025, I entered into a contract with Point for a Home Equity Investment ( HEI ). The appraiser they dispatched valued my home at {$440000.00}. However, Point is attempting to calculate my payoff for {$360000.00} at the time of the contract, ostensibly under the guise of a risk adjustment. As I am currently considering selling my home, I have come to the realization that Point essentially placed a reverse mortgage on my property, which exceeds the regulations governing interest rates. Due to their risk adjustment, they will be accruing non-existent interest from appreciation. These tactics employed by Point are predatory and misleading. Had this information been properly disclosed to me, I would not have proceeded with the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America. I has been a 30 year customer of this bank. I have never once asked them to remove a single stop fee. I asked them to remove this one. They told me no problem, call back when it hits and they'll look into doing it for me. And then I said, hey, while I'm at, I think I canceled a painting for a credit card, but I think it's going to go through for XXXX XXXX so please cancel that. And make sure it doesn't go through, they said, okay. And it went through and they hit me with a second stop fee that I didn't even know about. And then what they did is they locked both of those fees in and then refuse to give me my money back, even though they told me that they would take care of me on the one slit.A second one in there without me.Knowing it and then refused to even consider it.Even though i've been a perfect customer for thirty years and i've never once asked them to remove the fee like this. I hope you feel good bank of america.Picking on a thirty year customer that has less than two hundred dollars in their account.Real good. I also spent about four hours dealing with this.An hour and a half, with a representative on the phone waiting for a supervisor that I never got earned for a phone call back for a supervisor that I never got as well

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 2026-07-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XXXX Credit Acceptance DISPUTED CHARGES SENT LETTER AND POLICE REPORTS Re : Notice of Fraudulent Auto Loan, Identity Theft, and Demand to Cease Collection To Whom It May Concern, I am writing to formally notify you that the auto loan you claim is in my name is the result of fraud and identity theft. I did not apply for, authorize, sign for, or receive this loan. I dispute this account in its entirety and deny any legal responsibility for this alleged debt. Effective immediately, you are directed to cease all collection activity regarding this account until you complete a thorough investigation and provide competent evidence that I personally entered into this agreement. I demand that you provide the following documentation : * A complete copy of the original retail installment contract bearing my genuine signature. * All loan application documents and supporting identification used to obtain the loan. * Copies of any drivers license, identification, or documents presented at the time of purchase. * The date, time, and location where the loan documents were allegedly signed. * The VIN, purchase agreement, dealer information, and payment history. * Documentation establishing your legal right to collect this alleged debt. If you are unable to prove that I knowingly entered into this contract, you must immediately : * Close your investigation in my favor. * Cease all collection efforts. * Remove any negative information you have reported to any consumer reporting agency. * Confirm in writing that I have no responsibility for this fraudulent account. Any continued attempts to collect on a debt resulting from identity theft, or any continued reporting of inaccurate information after receiving this notice, may violate the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). I reserve all rights to pursue complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, my states Attorney General, and any other appropriate regulatory or legal authority. This letter is not an acknowledgment of this debt, nor is it a promise to pay. I expressly deny liability for this fraudulent account. I expect a written response confirming receipt of this dispute and the results of your investigation within the time required by applicable law.

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 2026-07-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
Interest rate was not explicitly stated until the end of loan transaction when all ACH information had been obtained. APR ended up being 595.82 %

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 2026-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: GA

Complaint narrative:
To Whom It May Concern, I was approved for the U.S. Bank XXXX XXXX XXXX Mastercard on XX/XX/2026. I applied specifically because the card advertised 5 % cash back on eligible mobile-wallet purchases. ( see the attachment ) My physical card arrived later than expected, so I called U.S. Bank to ask about its delivery. During that call, I was not informed that the XXXX card program would soon end or that my account would be converted to a different product. On XX/XX/2026, I opened the U.S. Bank mobile app and saw a notice stating that my XXXX XXXX XXXX Mastercard would be discontinued and automatically converted to the U.S. Bank XXXX XXXX XXXX XXXX. This was the first time I learned about the discontinuation. After I viewed the notice, it no longer appeared in the app. After seeing the notice, I researched the issue and found public reports indicating that U.S. Bank had stopped accepting new applications for the XXXX credit cards in XX/XX/2026, shortly after my account was approved ( see the attachment ). I received no warning during the application, approval, or card-delivery process that the product would be discontinued so soon and that my account would automatically be converted to the U.S. Bank XXXX XXXX XXXX XXXX XXXX Had I known this, I would not have accepted a hard credit inquiry and opened a new account for the XXXX card. I would have considered applying for the U.S. Bank XXXX XXXX XXXX XXXX instead. The XXXX card does not provide the same 5 % mobile-wallet cash-back benefit that motivated me to apply. I contacted U.S. Bank through live chat ( see the attachment ) and asked whether my existing account could be converted to Cash+ instead of XXXX. I was told that the XXXX card could not be converted to Cash+. I was told that my only options were to keep the XXXX card, close the account, or submit a separate application for Cash+. I also asked whether U.S. Bank could provide a manual product-change exception, allow me to obtain Cash+ without another hard inquiry, or provide a statement credit or retention offer. The representative stated that no other option was available. A separate Cash+ application could result in another hard inquiry and another new account, with no guarantee of approval. I believe it is unfair that I opened this account based on a major advertised reward benefit, only to have the card discontinued approximately two months later without a comparable replacement or a reasonable choice. Sincerely

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 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had a reoccurring charge attempt but it was declined due to insufficient funds. Experian froze my account as a form of fraud protection. Experian called me once but I missed the call. I called Experian phone agents on Thursday XX/XX/2026 & XX/XX/2026 but they all said the same thing. Experian requested my passport, driver 's license, and an explanation. I provided all three, but their agents refuse to unfreeze my file. Experian continues to request an explanation after one was provided. I am tracking this timeline for a potential FCRA non-compliance lawsuit.

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 2026-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
We were sent an escrow surplus check of over {$5100.00} in about XX/XX/year>. Our payment dropped by about {$300.00} per month. In XXXX, only 3 months later we were advised our account had a {$3100.00} shortfall and our payment would go up by about {$260.00} beginning in XX/XX/year>. I also learned my property taxes weren't paid on time by Freedom and the county sent me a delinquent tax notice with interest of about {$160.00} owed. Freedom told me I am responsible to pay taxes but that is not true due to the loan provisions. I contacted Freedom Mortgage the loan services and spoke with 4 staff after being transferred for nearly 2 hours on phone calls. I was also told someone would contact me with follow up information but still haven't heard from Freedom.

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 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
I am submitting this complaint because I believe XXXX XXXX XXXX furnished inaccurate information to a collection agency, Sunrise, and as a result, inaccurate information is being reported on my credit reports. XXXXXXXX XXXX XXXX has reported that I owe approximately {$5500.00}. I dispute this amount because it does not accurately reflect my account history or the disputes I raised while I was an XXXX XXXX XXXX customer. Throughout my service with XXXX XXXX XXXX, I repeatedly contacted the company regarding significant billing and account errors that were never properly resolved. These errors included : XXXX charged for a blue XXXX that I never received. XXXX XXXX XXXX has never provided documentation showing that I accepted delivery or possessed this device. Incorrect records stating that I transferred an XXXX XXXX XXXX phone to XXXX. I did not transfer an XXXX & T-financed device to XXXX. Incorrectly identifying my personally owned gold XXXX XXXX XXXX XXXX as an XXXX XXXX XXXX XXXX I owned this phone before opening service with XXXX XXXX XXXX and only activated it on my account. Failure to accurately distinguish between devices I owned and devices allegedly financed through XXXX XXXX XXXX. Because of these errors, my monthly bills often exceeded {$700.00} even though my expected monthly charges were approximately {$190.00} to {$200.00}. The last balance I believed could have been owed was approximately {$3600.00}, and approximately {$1000.00} of that amount was already disputed because of these billing errors. Despite those unresolved disputes, XXXX XXXX XXXX reported a significantly higher balance and apparently transferred or sold that amount to XXXX for collection. I believe inaccurate information has been furnished to both the collection agency and the credit reporting agencies. I respectfully request that the CFPB require XXXX XXXX XXXX and Sunrise to : Conduct a complete audit of my account. Provide a detailed accounting of every charge, payment, adjustment, financed device, and remaining balance. Produce documentation showing that I received the alleged blue XXXX. Produce documentation supporting the alleged transfer of an XXXXXXXX XXXX XXXX-financed phone to XXXX. Correct any inaccurate information furnished to XXXX and the credit reporting agencies. Remove any collection reporting that can not be fully substantiated with accurate records. Correct my credit reports to reflect only verified and accurate information. I appreciate the CFPBs assistance in ensuring that this matter is investigated fairly and resolved in accordance with applicable consumer protection laws.

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 2026-07-20 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: First Federal Credit Control, Inc.
State: PA

Complaint narrative:
This company is breaking the law by failing to provide proper validation details as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, theyve re added a collection to my report for each validation I am entitled {$1000.00}. They must either compensate me or remove these account immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I am submitting this complaint because USAA has continued to withhold my verified personal funds after closing my deposit accounts and has provided inconsistent and misleading information regarding the status of those funds. USAA closed my deposit accounts because of the status of the account 's co-owner. I remain a USAA member in good standing, and the funds at issue are my verified personal funds. After the accounts were closed, USAA did not provide a reasonable or timely method to return my funds. The bank refused to transfer my funds to my newly opened account and did not promptly mail a check to my verified mailing address. USAA later informed me on multiple occasions that a check had been mailed on XX/XX/year>, and that I should receive it within XXXX business days. After waiting the full XXXX business days without receiving the check, I contacted USAA multiple times. During those calls, I received contradictory information. In two of the three recorded calls made after the expected delivery period, one representative stated the check had been mailed, while another representative stated the check had not been mailed. Other representatives were unable to locate any information confirming the check 's issuance or mailing. Despite these conflicting statements, USAA has not promptly canceled the purportedly issued check or sent a replacement by expedited delivery with tracking. As a result, I continue to be deprived of access to my verified personal funds, with no clear explanation of where my funds are or when they will be returned. I believe USAA has failed to provide accurate and complete information regarding the status of my funds, failed to timely return my money following the account closure, and failed to communicate consistently about the disposition of my funds. The conflicting information provided by multiple representatives has prevented me from understanding the true status of my payment and has unnecessarily delayed my access to my money.

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 2026-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Harris & Harris is reporting two separate collection accounts on my credit reports that I dispute. I requested that the accounts be validated and that documentation be provided showing I am legally responsible for the alleged debts. I have not received sufficient documentation verifying the accounts. I request that Harris & Harris conduct a reasonable investigation, provide all supporting documentation for both accounts, and correct or remove any information that can not be verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was the victim of check washing. I went to Citibank agent personally and closed the account after finding checks were washed with different person names for the payment- payment amount also changed. i have submitted affidavits repeatedly and citibank does not get back to me- i just keep being sent to different phone numbers. I have been a customer for 30 years and never made any complaint. First time victim of fraud.

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 monetary relief
Consumer complaint received 2026-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
Google makes you keep a card on file if you have one of their products and I keep a Google one which is a storage that I need because the phone doesn't have enough. But every time I do never fails I get a charge of some kind on there and once you remove it the card they will cancel your service. I canceled mine a bunch of times that I have to go back on there and restart it up with a different card. They never fails something else will get charged. I finally after they canceled this last one I put a prepaid card on there and it worked. But I have a total of {$420.00} worth the charges from XXXX different bank accounts. From XXXX all the way up to XXXX. My XXXXXXXX XXXX XXXX XXXX got my money back.varo and for the credit union I did not and XXXX you can't talk to anybody and they say that they have a firm no refund policy. When these are some sort of games and some other stuff I don't play games I don't do any of that. I'm XXXX I'm homeless I'm XXXX it was been homeless for 3 years due to XXXX XXXXXXXX. On a government phone I've had no time or no way of pursuing this and fighting it until now. I have a regular phone with more minutes and I can pursue this I need my money back.

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