vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PROVIDENT FUNDING ASSOCIATES
State: NV

Complaint narrative:
I am submitting this complaint regarding Provident Fundings handling of force-placed hazard insurance on my mortgage loan, specifically improper escrow administration, delayed billing, and lack of transparent accounting, which resulted in avoidable financial harm. 
My homeowners ( hazard ) insurance expired on XX/XX/XXXX. Provident subsequently force-placed hazard insurance effective XX/XX/XXXX through XX/XX/XXXX, in the amount of {$2900.00}. 
Although the force-placed policy was effective beginning in XX/XX/XXXX, Provident did not assess or withdraw escrow payments related to this insurance on a monthly basis. Instead, force-placed insurance charges accrued on the account for several months without corresponding escrow withdrawals. 
On XX/XX/XXXX, Provident withdrew {$3400.00}, approximately {$900.00} more than my normal monthly payment, which typically ranges from {$2500.00} to {$2600.00}. This withdrawal reflected a delayed, lump-sum assessment of force-placed insurance charges rather than timely, incremental escrow billing. 
Had the force-placed insurance been escrowed and billed monthly when the policy became effective, the financial impact would have been materially lower and transparent. The delayed lump-sum withdrawal created a sudden and avoidable payment shock. 
Additionally, my escrow account activity shows that other escrow obligations were paid and administered normally during this same period, while the force-placed insurance charges were allowed to accumulate without disbursement or adjustment until XXXX. 
Replacement homeowners insurance is pending binding and will be provided shortly. 
I am requesting review of Provident Fundings escrow administration practices related to force-placed insurance, including delayed billing, lack of contemporaneous escrow adjustments, and the resulting financial impact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
Boy I had the numbers all on my phone that were all saved They were calling me like crazy from different from different numbers they were changing the names they were harassing me they were getting loud with me they were discriminating me discriminating time but I'm a minority that's why I stay down but when I started doing some research and finding out where they were at where where they're located in their main office when they it all started changing They started changing their tone of voices with me and everything but what got me mad at how they were just talking about my son this shouldn't have brought my son up for nothing and none of them wanted to give me an apology none of that's all I wanted That's all I wanted was an apology I don't care that they lied to me about all this other stuff but you don't talk about another person 's their kid That's not right

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, I submitted to American Express case number XXXX in order to resolve claim XXXX in accordance to the warranty policy. I have followed up every week on via telephone for an update but American Express has been refusing to provide any updates and/or make any progress on the case. Every time I call they claim that someone is going to call me about, but no one calls me. They did confirm that they have all the information they need but they refuse to make any progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX ( XXXX ), and my federal loans were discharged in XXXX due to school misconduct. Between XXXX and XXXX, I made XXXX payments totaling {$10000.00} directly to XXXX XXXX XXXX XXXX loans. 

On XX/XX/XXXX, I sent Navient a formal email requesting that they process my School Misconduct Discharge review, refund the {$10000.00} XXXX paid, and provide my payment history and original loan documents. Navient responded with a generic message saying I must contact XXXX because my loans were transferred in XXXX. This is incorrect, as XXXX did not receive or retain any of these payments Navient was the holder at the time and is legally responsible. 

I gave Navient a deadline of XX/XX/XXXX, to respond. As of now, they have acknowledged my emails but have not provided any of the requested information or processed the refund. I am requesting CFPBs assistance to ensure Navient processes my School Misconduct Discharge review and refunds the {$10000.00} I paid directly to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I was late making a payment for Concora credit, Ive been having a hard time paying since its almost {$200.00} every month. I cant get a hold of any representative to speak with but they also keep calling me either while Im at work and cant answer, or outside of business hours. Ive gotten two calls after XXXX but by the time I try to answer, they disconnect the call. First call was XX/XX/26 at XXXXXXXX XXXX and then again on XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, Wells Fargo mailed me a written letter confirming that my claim was completed and approved and that I was reimbursed {$1500.00}. The letter states that because no open account was found, a reimbursement check would be mailed to me. 

I never received this check. 

When I contacted Wells Fargo, I was told the check was already cashed. I disputed this, as I never received or endorsed the check. I was then told the letter was a misunderstanding, without Wells Fargo providing any documentation, proof of payment, check images, or explanation of where the funds went. 

I am requesting immediate payment of the approved {$1500.00} reimbursement, or documented proof showing how, when, and to whom the funds were disbursed. I am also requesting written clarification correcting or honoring the XX/XX/year> approval letter.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
XXXX To Whom It May Concern, Thank you for your acknowledgment indicating that you are still working on my complaint. However, I must formally rebut this response, as it fails to meaningfully address the substance of the issues raised and appears to rely on delay rather than documentation. To date, no substantive evidence has been produced to support your prior assertions that proper notice was provided or that valid outreach attempts were made prior to the repossession of my vehicle. The information I requestedincluding verifiable call logs, email delivery confirmations, timestamps, and system records demonstrating accurate and active contact informationshould be readily available if such outreach actually occurred. The continued statement that you are looking into these matters strongly suggests one of two conclusions : XXXX. The requested records do not exist ; or XXXX. The records can not substantiate your claims of proper notice and due process. As previously documented, I confirmed directly with one of your representatives that my contact information was stored in an outdated and incorrect system and was not properly reflected in your active servicing platform during the relevant period. Only after this error was corrected was I able to access my account. This confirms that any alleged communications sent prior to that correction could not have reasonably reached me. Accordingly, continued delay does not cure the underlying issue. If no verifiable records exist, that fact itself is material and must be acknowledged. Absent proof of proper notice sent to accurate and active contact information, the repossession remains wrongful and procedurally defective. Additionally, this delay does not address my formal report of missing personal property taken from my vehicle while it was in your custody. This matter also requires a documented response and resolution, not an open-ended investigation. At this stage, I am requesting the following, without further delay : Written confirmation as to whether the requested records exist Production of those records, if they exist, in full Or a formal acknowledgment that such records can not be produced Please be advised that continued non-responsiveness or indefinite delay will be interpreted as an inability to substantiate your position and will be included as part of the record for any further regulatory or legal escalation. I expect a substantive response within the applicable regulatory timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 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: Atlanticus Services Corporation
State: VA

Complaint narrative:
I have a Fortiva credit card with a {$2500.00} limit. I made a {$2000.00} payment on XX/XX/year>. My account currently shows an unexplained balance of more than {$1200.00}. 

For over one week, the Fortiva online portal and mobile app have shown no posted transactions, no pending transactions, and no itemized activity. The transaction history is completely blank, even though the account shows a balance. 

I contacted customer service multiple times. I explained that I can not verify the accuracy of the balance because no transactions are visible. I requested a manual itemized list of all posted and pending transactions for the current billing cycle. 

Fortivas representative stated in writing : We are unable to provide the transaction details in a manual letter.

This means Fortiva is refusing to provide transaction details at all, despite the system failing to display them for more than seven days. 

This is a direct violation of : The Fair Credit Billing Act Regulation Z disclosure requirements My right to verify charges My right to dispute unverified balances I am requesting CFPB assistance to obtain : XXXX. A complete list of all posted and pending transactions for the current billing cycle. 
XXXX. A formal investigation into Fortivas failure to provide legally required billing disclosures. 
XXXX. Confirmation that interest and fees will not accrue on the unverified balance. 

I have attached screenshots of the conversation showing Fortiva refusing to provide transaction details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.

Complaint narrative:
I moved XXXX and XXXX only provides service in the XXXX, so they asked me to close my positions and transfer my money out of that account. When I was trying to transfer the XXXX cash to my checking account, they restricted my account due to security concerns and never gave me update.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
To date, I have not received any response or verification from your agency. As per my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am entitled to receive proper validation of this debt. 
Therefore, I kindly request that you provide the following information : XXXX. Verification of Debt Amount : Please furnish detailed documentation showing the total amount owed, including any interest, fees, or other charges related to the debt. 
XXXX. Original Creditor Information : I insist on knowing the name and address of the original creditor who initiated this debt. 
XXXX. Proof of Ownership : Provide evidence that your agency has the legal right to collect this debt. 
I expect a prompt response within XXXX days from the date of this letter. Failure to provide the requested information will result in the debt being considered invalid and unenforceable. 
Additionally, I reiterate my request that you cease all communication regarding this debt until proper validation is provided. Any further attempts to collect th

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 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
My mortgage company freedom mortgage is send wrong information to credit bureaus. 
On XX/XX/year> I have been laid off from my job and I contacted my mortgage company and let them know, i was in hardship and wanted to get in forbearance plan, they took. Y application over the phone, and inform me, that when you apply for the forbearance plan, it would not effect my credit and they not reported as 30 days late.i was being behind my XX/XX/year> payment. But after 2 weeks they had reported to all 3 credit bureaus, im been late days.

This is really unfortunate and unfair, coz when you get into forbearance plan they not supposed to reported anything according to the law. 

My credit score got really impact and went down XXXX points.

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 2026-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Hyundai Motor Finance has failed to provide written clarification of lienholder responsibilities following the death of the borrower. Their refusal to answer whether the lienholder or heir must initiate out-of-state vehicle registration has prevented lawful title transfer and estate administration. Despite repeated requests over XXXX weeks, they issue only automated responses claiming missing paperwork without identifying what is required. This has created an administrative deadlock causing legal and financial harm. 

Calls to XXXX result in lengthy hold times and multiple transfers to different departments, with no resolution.

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 2026-01-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: AR

Complaint narrative:
My chime card was stolen and a charge was made at a XXXX XXXX casino for {$1400.00} without my knowledge or consent. I filed a police report, report # XXXX. I have had issues dealing with chime bank, so I am writing this complaint asking that this claim be governed so I could be treated fairly, and receive a due process investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ

Complaint narrative:
I will like copy of my conversation with penny Mac loan on XX/XX/XXXX. 

You reported me late for 180 days because I was on forbearance. Your agent didnt tell me that if I pay in full I can resolve this without negative impact. To my credit You did said that there was a new program call fha payment supplement program that I was eligible for. 

I hesitate to enter since my forbearance is as suppose to end on XX/XX/XXXX. I didnt want this to affect my credit. 

You said I was approved and then said some legal things about credit reporting. I asked if you can clarify and your agent said she didnt understand what that meant because this was new. 

Based on legality she did her job wrong on not explaining to me the part of credit reporting and just said she did knew exactly what this means Therefore I emailed the executive offfice and I also want copies of my conversation. Since you dont want to fix the credit reporting Ill have to bring this to a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I am filing a complaint regarding a student loan serviced by Nelnet that I received while I was in college in XXXX. I was never informed that this loan entered repayment or that payments were due. I received no billing statements, emails, phone calls, or mailed notices to my address or my parents address. 

The only reason I became aware that this loan even existed was because I contacted XXXX, which I believed serviced all of my student loans, to ask why my credit score was dropping. XXXX then informed me that I had a separate student loan through Nelnet that had gone into default. This was the first time I had ever been made aware of this loan or any delinquency related to it. 

This loan remained unpaid for approximately one year without my knowledge and has now been reported as delinquent, causing an immediate and severe drop of nearly XXXX points to my credit score. This is extremely concerning, as I have an otherwise perfect payment history and pay all bills on time. I would never intentionally ignore a debt, especially one impacting my credit. 

All other student loans for my family, including those applied for by my parent, are serviced through XXXX. I have consistently received communication regarding those loans. I received no such communication from Nelnet for this loan at any point. 

I am requesting full documentation proving that this loan was properly disbursed and used, including disbursement records, school certification, repayment start date notices, billing statements, and proof of all communications allegedly sent to me. 

I am also disputing the accuracy of the credit reporting due to Nelnets failure to provide required notice and request that all negative credit reporting related to this issue be corrected or removed pending investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NJ

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the failure of a creditor and related third parties to validate an alleged debt in the amount of {$4600.00}, as well as their lack of response to my dispute. 

On XX/XX/XXXX, I received an email from XXXX referring to an alleged debt reportedly held by Jefferson Capital. In that email, XXXX stated that they had reached out to help resolve this debt. On the same day, XX/XX/XXXX, I promptly sent a written dispute and request for validation regarding this account. 

After submitting my dispute, XXXX informed me that they were no longer servicing my account. This statement is contradictory, as I received an email from XXXX earlier that same morning regarding the very same {$4600.00} debt. Since submitting my dispute, I have not received any response, clarification, or documentation from XXXX, Jefferson Capital, or any other party. 

To date, I have not received any of the documents I requested to validate this debt, including but not limited to proof of the original creditor, proof of ownership or assignment of the debt, a complete payment history, or verification of the amount allegedly owed. 

Despite the lack of validation and the failure to respond since XX/XX/XXXX, this {$4600.00} debt continues to be reported on my credit report. Reporting an unverified and disputed debt is inaccurate and harmful to my credit profile and is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Because this debt has not been validated and because of the conflicting and misleading communications from XXXX, I am requesting that this account be deleted from my credit report immediately. 

I respectfully request the CFPBs assistance in ensuring this matter is resolved and that the creditor either provides proper validation or removes this account from all credit reporting agencies. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/year> Went into Citizen bank and tried to close account. was overdrawn and brought it up to even. Teller notified me if anything else came out it would reopen my account. i told her no, i want the account closed because I'm tired of the excessive amount of overdraft fees. Within the hour my account was opened back up and in the negative. I find this should be illegal and very unethical. I wanted to close the account due to the excessive overdraft fees. {$35.00} each transaction. No one asked what was going on or offered to remove overdraft protection.

Company response to consumer: Closed with monetary relief