vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home 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: Rocket Mortgage, LLC
State: CO

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding the transfer of my mortgage loan from XXXX XXXX to Rocket Mortgage. Hundreds of people are also having the same issues and have gone to social media to share information and seek resolution : https : XXXX Following the announced acquisition and transfer of servicing, I have been unable to make my mortgage payment because neither XXXX XXXX nor Rocket Mortgage can locate my loan in their systems. I have spent hours on the phone with both companies and have sent multiple emails seeking resolution. To date, no one has been able to provide confirmation of my loans status, payment instructions, or even basic account information. This situation is unacceptable and places me at risk of wrongful delinquency reporting, late fees, damage to my credit, and potential default through no fault of my own. Specifically : XXXX XXXX has stated the loan was transferred. Rocket Mortgage has stated they can not locate the loan. I have attempted to contact Rocket Mortgage customer service and have tried utilizing their chat function with no resolution and hours spent on hold. I have no way to make a timely mortgage payment. I have no written confirmation of where my loan is currently being serviced. Under federal mortgage servicing laws ( including RESPA and CFPB servicing rules ), borrowers are entitled to clear notice of transfer, accurate account information, and uninterrupted ability to make payments. The failure of both entities to locate or properly service my loan constitutes a serious servicing breakdown. I am requesting immediate intervention to : Confirm the legal owner and current servicer of my loan. Provide written confirmation that no late fees, penalties, or negative credit reporting will occur due to this servicing failure. Ensure I am provided with valid payment instructions immediately. Investigate the servicing transfer process between XXXX XXXX and Rocket Mortgage for compliance failures. I am requesting written confirmation of corrective action. Thank you for your prompt attention to this urgent matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, my Amex savings account became restricted/closed without prior notice. On XX/XX/year>, the IRS sent my tax refund to the Amex account. When I contacted Amex to retrieve my funds, I was told to contact my bank ( XXXX ) to request a recall of the funds. XXXX was unable to process the request and was confused by the instructions. I then asked Amex to issue my funds via a paper check, but they did not provide a solution and continued to reference recalling the funds through the bank. As a result, I do not have access to my funds, which were intended for essential expenses and savings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: GA

Complaint narrative:
The US Department of Education & my current Service Provider Nelnet fails to obey, follow, mandate orders & rulings by a supreme court judge as it pertains to ( Case No. 4:19-cv-03674-HSG ) located in the state of California ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Im a post class member apart of ( Exhibit C ) Group for students who were defrauded & misled by college institution 's like ( XXXX XXXX XXXX XXXX XXXX XXXX the list of school names associated with ( Exhibit C ) By law as of XX/XX/year> ( as of today XX/XX/year> ) we are passed the expiration date ) given by ( XXXX ) supreme court judges XXXX XXXX XXXX XXXX XXXX & XXXX. XXXX XXXX is now & has been subject to Full Automatic Loan Forgiveness for all students who submitted Borrowers To Defense Applications. The US Department Of Education continues to delay due process/ordered by a federal judge in attempts to Kick The Can Down The Road with Motions Of Appeals. Failed to approve my application ( # XXXX ) & update to me via text or email or my service provider ( Nelnet ) regarding my borrower defense to repayment application status & attempting to unlawfully dismantle programs & currently actively a buyer to sell off the current XXXX XXXX dollar student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Pay pal allowed XXXX transactions for {$210.00} on XX/XX/XXXX from an unknown XXXX in Minnesota I live in Texas provided this information to XXXX XXXX and pay pal and they are both saying that they are not responsible for getting my money back from x box who has tried reversing the money but pay pal isnt allowing the reversal to my bank fir these fraudulent transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Complete Credit Solutions, Inc.
State: FL

Complaint narrative:
Last year XXXX XXXX I decided to buy a house and after submitting my application I was denied for bad credit I decided to start searching for information on how to fix it and using guidance of experts and started working on it. I have been requesting validation to COMPLCREDIT FOR XXXX months and I have not received any letter from them or any validation of the debt, I do not know who they are and where did they come from. Based on my knowledge I do not owe money to any institution, since I do not know who they are I have been requesting the validation and they have not provided any documents affirming the account is mine.

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
At XXXX XXXX on XX/XX/year> I was at work at the XXXX XXXX when my phone rang.The call was from XXXX XXXX XXXX unit. after the call was completed, I did not relize it was a face time call not a phone as my ring tones are identical. There was a male on the other end of the conversation. This person sounded like a grown caucasian male. The caller advised he was from the PNC Fraud Department and there was suspicious activity on your checking account. There were XXXX reported transactions in Arizona from a XXXX XXXX. I told them I did not authorize the charges from XXXX. The caller was giving instructions fast. He was some how was able to get into my phone. After I had opened my PNC app to check my accounts, he was manipulating my phone giving me instructions and had extreme knowledge of the PNC app. As he was talking very fast and moving things around on my phone. My XXXX XXXX was standing their listening to this conversation at the same time since it was on speaker phone. The caller was able to transfer {$1200.00} from my savings to my checking. He continued to talk and moved very fast.The caller told me to copy the fraud case number of XXXX continued to working my phone. Th caller on the phone was able to open my PNC XXXX XXXX and typed in XXXX XXXX ( did not catch the last name ) as he was still talking rather fast and was trying to say that this was a test and tranferred {$2500.00} dollars from my checking into the XXXX app. While the tranfer was being completed, he continued to state that once the test money tranfer is comeplete it will be returned into your account. The caller stayed n the phone until the transfer was done. Then he hung up. At this point I knew it was a fraud. I immediately called my bank. I was trasnferred to the Fraud department. There I filed a complaint. Once that was done, the operator explained to me that after XXXX working days the investigation was not completed, a provisional {$2500.00} deposit will be credited to my account. When I call back in XXXX working days, I was told my complaint was closed and no action will be taken. I was out {$2500.00}. I was instructed by others to contact this agency and file a complaint and see if anything could be done. Please advise Thanks in advance for your help. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Starting XXXX XX/XX/XXXX, I have contacted citibank 6 times to request an audit, interest refund, and appropriate accounting of my credit card statements. I filed my most recent request today, XXXX XXXX. I have been told misleading, inaccurate information and my account has not been credited correctly. Inside my CC account I have : 2 citi flex loans at 0 %, 1 citi flex loan at 8.99 %, 1 citi flex pay plan at 0 %, and 1 balance transfer at 0 %. I routinely make payments above the Minimum Payment due, and expect that my payments over this amount will be correctly applied to the highest interest rate debt, as required by law. I observed that from the XX/XX/XXXX to XX/XX/XXXX statement that my balance transfer subject to interest rate decreased by almost {$40000.00}. This did not make sense to me, as I have other debts on this credit card at higher interest rates. Since initiating my concern on XXXX XXXX, Citibank has not been able to rectify this problem to include telling me they do not audit accounts. Per my conversation today, they stated : I would receive a letter in XXXX business days with a decision. I was told this exact statement XXXX weeks ago, and today 's call was a follow-up. I have no faith that citibank will properly investigate or rectify this problem.

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 2026-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
LEGAL DISPUTE : RESCISSION OF DEBT UNDER FLORIDA STATUTE 501.017 RE : Cherry Plan XXXX and HFD Plan # XXXX I am filing this formal complaint against Cherry Technologies and XXXX XXXX XXXX ( XXXX XXXX for attempting to collect on a debt that was legally rescinded and terminated. XXXX. Timely Rescission under FL Law : On XX/XX/year>, I signed a future-service contract with XXXX XXXX XXXX XXXX On XX/XX/year>, within the XXXX " cooling-off '' period mandated by Florida XXXX XXXX, XXXX provided formal written notice of cancellation to the merchant via email and attempted Certified Mail. 2. Automatic Termination of Debt : Under FS 501.017 ( 1 ) ( b ) 2, a timely notice of cancellation " terminates automatically '' any financial obligation to the merchant or any assignees, including third-party lenders. Legally, no debt exists. 3. Material Contract Defect : The underlying contract violates FS 501.017 ( 3 ) because it fails to list the business 's physical address. This defect prevented the delivery of Certified Mail ( returned as " Insufficient Address '' ), which is a deceptive trade practice. 4. Deceptive Double-Billing : The merchant has opened two separate loan accounts with two different lenders ( Cherry and XXXX ) for a single service. This is a deceptive and unfair trade practice. Requested Resolution : I demand that Cherry Technologies and XXXX XXXX XXXX immediately void these accounts, cease all collection efforts for the XX/XX/year> payments, and ensure no derogatory information is reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home 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: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I am an new entrepreneur. Back in mid 2025 I was initially with XXXX XXXX as my mortgage provider. The loan was transferred over to Shellpointe. I was on an agreement with XXXX XXXX as I was experiencing a hardship. Unfortunately, not all the terms and information from that transfer switched over to Shellpointe. I explained to them the agreement, provided them with documentation to bring them up to speed. As communication continued, I was advised that I was on a program where the terms were explained as this : If I missed a payment during a XXXX month period, it would not be reported on my credit. The missed payment would however, still be due and owed at the end of the program. Now, I'm being told that it is being reported to the credit bureau. This is not fair to me and this was not told to me. I simply want this removed from my credit as I have kept my end of the agreement and I was recently approved for a deferment which brings me current on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MA - XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I am disputing the alleged debt being collected and reported by SOUTHWEST CREDIT SYSTEMS LP BALANCE REPORTING {$1600.00} OPENED XXXX XXXX. This company is a third-party debt collector and not the original creditor. This alleged utility account dates back to XXXX. However, it is currently being reported as OPEN on my credit file. Reporting a collection account as OPEN when it is an old delinquent account is inaccurate and misleading. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to report accurate information and correct inaccurate reporting. Additionally, under 15 U.S.C. 1681c ( a ), adverse information may not be reported beyond the permissible reporting period, which is based on the original Date of First Delinquency not when a third-party collector acquires the debt. I have not received proper validation of this alleged debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I have not been provided : THIS ACCOUNT IS AGED OUT AND NO LONGER LEGALLY ENFORCEABLE UNDER FAIR CREDIT REPORTING ACT complete itemized billing statement Proof of the service address and service dates Documentation showing I agreed to or am legally responsible for the account Proof of assignment or authority to collect Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report accurate information, including the correct Date of First Delinquency. The reporting period under 15 U.S.C. 1681c ( a ) must be based on the original delinquency date and must not be re-aged. I request : Full debt validation Confirmation of the accurate Date of First Delinquency Correction of any inaccurate reporting Immediate deletion from all credit bureaus if the account can not be properly validated If proper documentation can not be provided WITHIN XXXX BUSINESS DAYS I WANT IT DELETED, continued reporting XXXX constitute furnishing inaccurate information under federal law. XXXX XXXX XXXX XXXX XXXX XXXX TX TX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I changed banks a couple months ago. Since then I've made a couple payments manually through the XXXX XXXX credit card app using my new bank ( XXXX XXXX ) while also setting up automatic payments from my new bank. See attachment with payment made in early XXXX. Today ( early XXXX ) I was notified that my Automatic Payment hadn't gone through. I will be charged {$65.00} and my Credit will take a HIT! I called XXXXonemainfinancial to require why the automatic payment had NOT gone through and they told me it was because I changed banks. But I'd already made payments from that bank to this account I can't understand why you guys are doing this other than it's a PURPOSEFUL SET TRAP to get XXXX bucks from me. I asked several times to get those charges reversed and please correct this automatic payment issue without receiving any clear answers to the point I had to ask to speak with a supervisor. The supervisor seemingly liked to think maybe I was entertainment for the day as he toyed with my aggravation to the point I said I'll pay off the card and close the account right here right now while you are on the phone with me. I made the payment right then and asked him to close the account. This smart... then wants to inform me he can not give me a credit for the late fee if I closed the account. Now, for the first time in the entire conversations of both people is mentioned a credit. These people are purposely setting traps and then responding in ways, in such agrovance and intoleration one CAN NOT tolerate trying to communicating with these purposeful broken wastes of time and energy. This kind of demoralizing inhumane crooked behavior and treatment will end up far beyond class action lawsuits if this is continued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. Creditor Name : [ XXXX ] Account Number : [ XXXX ]

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