vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: WV

Complaint narrative:
I am writing to formally dispute a severe, multi-year escrow error regarding the homeowners insurance policies managed on my account, which has resulted in an unwarranted increase in my monthly mortgage payment. The timeline of events is as follows : XX/XX/XXXX : During our refinancing process with New American Funding, we were required to increase our dwelling coverage from {$75000.00} to {$130000.00}. Our then-provider, XXXX XXXX, could not accommodate this increase. Consequently, my husband verbally canceled the XXXX XXXX policy, and we secured coverage through XXXX XXXX. Shortly After : The XXXX XXXX was canceled due to underwriting reasons and issued an {$810.00} refund directly to New American Funding. Their records claim this was never received ; however, our payment history indicates otherwise. We subsequently secured a valid policy through XXXX XXXX with an annual premium of {$1700.00}. XX/XX/XXXX : XXXX XXXX mistakenly sent a non-payment notice to New American Funding. Despite our explicit cancellation request in XXXX, and despite the policy only covering {$75000.00} ( violating their own {$130000.00} underwriting requirement ), New American Funding paid this {$470.00} premium and erroneously designated XXXX XXXX as our primary insurer. XX/XX/XXXX XX/XX/XXXX : As a result of this oversight, we were double-insured for over a year without our knowledge. Furthermore, the active policy on your file underinsured our home against your own corporate mandates. XX/XX/XXXX : We received an escrow shortage notice increasing our monthly payment by several XXXX dollars. This shortage was entirely fabricated by two clerical errors : calculating our escrow based on the incorrect {$470.00} XXXX XXXX premium instead of the actual {$1700.00} XXXX premium, and failing to properly credit the {$810.00} XXXX refund. Because this escrow shortage is the direct result of New American Funding paying a canceled, non-compliant policy and failing to track our actual provider ( XXXX ), I request an immediate audit and correction of our escrow account. Specifically, I request that : The {$470.00} erroneously paid to XXXX XXXX be recovered and credited back to our escrow. The {$810.00} XXXX XXXX refund be located and properly applied to our history. Our escrow payment be recalculated based solely on the correct XXXX premium. I look forward to your prompt response and a swift resolution to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against the U.S. Department of Education and the Default Resolution Group regarding my XXXX XXXX XXXX XXXX XXXX accounts, Loan Number XXXX ( Subsidized ) with an original balance of {$1700.00} and Loan Number XXXX ( Unsubsidized ) with an original balance of {$3000.00}, totaling {$4700.00}. These accounts were previously serviced by XXXX XXXX and were transferred to the Default Resolution Group on XX/XX/XXXX without my knowledge or proper notification. I am a single mother who is currently out of work and facing extreme financial hardship. I am solely responsible for the financial wellbeing of my household and my children, and the loss of my income has made it impossible for me to meet my financial obligations during this period. I was never properly informed of the options available to me such as an XXXX XXXX XXXX or XXXX XXXX before these accounts were allowed to reach XXXX status and transferred to the Default Resolution Group. Had I been made fully aware of these options during my period of financial hardship, I would have immediately taken the necessary steps to protect my account standing and prevent these accounts from reaching XXXX. I am now being penalized with severe negative credit reporting across all XXXX major credit bureaus, XXXX XXXX, and XXXX, for a period of hardship that I was navigating as best as I could as a single mother with no income. This negative reporting is having a devastating impact on my ability to secure housing, employment, and financial stability for myself and my children. I am exercising my rights under the Higher Education Act of 1965, 20 U.S.C. 1071 et seq., which provides provisions for economic hardship deferment and unemployment deferment for borrowers experiencing financial difficulty. I am also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires that only accurate and fully verified information be reported to the credit reporting agencies, and that any reporting that does not account for a borrower 's eligibility for deferment or forbearance be reviewed and corrected accordingly. I am formally requesting that the U.S. Department of Education and the Default Resolution Group conduct a full review of my account and grant me an XXXX XXXX XXXX and XXXX XXXX retroactively for the period of delinquency, and that all negative credit reporting associated with both of these accounts be removed from all XXXX of my credit bureau reports immediately as a result of that retroactive deferment approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> I was looking for a new checking account and went to the Citi Bank website. There was a giant promotion sign saying Earn {$320.00} with a new Citibank Checking account with a link directly under it to open your account. I clicked the link, read the terms and conditions, stating that there were certain qualifying activities that you needed to complete in XXXX days in order to be eligible for the promotion, and continued opening my account. My account was opened on XX/XX/year>, I completed all of the qualifying activity ( at least XXXX ( XXXX ) enhanced direct deposits directly into your new regular checking account within XXXX calendar days from account opening. The total of all your completed XXXX XXXX Deposits must equal {$3000.00} or more. Deposits made to a savings account are not eligible ). I completed all of these qualifying activities and waited for the bonus to come with XXXX days which is what the website said it could take. After XXXX days I didnt receive the bonus and I reached out to Citi Bank customer service. I was told unless I received a direct mail advertisement they dont promotions like that so I wasnt going to get it. I told the person its still being advertised on the website right now and send a screenshot of it! So their information must be incorrect. After looking into it they said yes they do run those promotions but my account wasnt enrolled with a promotion code so there was nothing they could do and I wasnt getting it. I explained that I followed the process on the website with the advertisement ( again a promotion that is still going on ) and there is no promo code, you just follow the links and it brings you to the sign up page. After asking to speak to a XXXX I was told I was wasting my time because I wasnt going to get it. How could a major bank like Citi Bank be allowed to advertise clear promotions on their website, with a link to sign up, that when customers follow the link to sign up, open an account, complete the required activity, they then use a technicality about a promo code ( that doesnt even exist ) to not pay their advertised bonus. I actually enjoyed using Citibank for the last XXXX months but after this experience and if I dont receive my bonus I will be taking my business elsewhere. I deserve the {$320.00} as advertised and its ridiculous that Ive had to put this much effort into trying to get it.

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 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have had a Venmo account for over a decade that I use to move money between friends and XXXX purchases. In XX/XX/XXXX I opened a business account on Venmo for a coffee shop under XXXX XXXX XXXX. The next day I sold XXXX cups of coffee using Venmo. On the following business day, both my personal and business Venmo accounts were suspended. I tried to remedy the issue or at least find out why with no results. Finally, I gave up trying to fix the relationship and took my business elsewhere. However, my funds were locked. After several emails and calls and help from you report number XXXX I was able to transfer my funds to my bank. However, my crypto funds are still being locked by Venmo. After several emails and calls I am still not able to get my funds released. I have completed all the steps they have sent regarding how to verify and transfer XXXX however I am still receiving errors. XXXX sent screen shots of these errors to Venmo with no response. I know that there is a dollar limit you must have in order to transfer XXXX but my account is locked so I am unable to buy more to meet that threshold no should I have to if Venmo is the XXXX forcing me to leave. Today XX/XX/XXXX I am not even able to access my Venmo account other than to see a snapshot of my account holdings. I can not get to the screen to transfer crypto anymore and now I fear they are just going to close my account with my money still in it. I just want my money from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I received a pre-qualification advertisement from XXXX XXXX ( attached ) promising a 'no-refi rate drop. ' Relying on this, I obtained a mortgage through them. Now that I am trying to use this feature, they are denying it based on fine print in an advertisement I never received in full ( they cite 'page XXXX ' of an email that was only XXXX page ). I was never told during the loan process that my specific loan would be excluded from the advertised rate drop. This is a deceptive marketing practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: TX

Complaint narrative:
I am formally disputing this collection account from XXXX in the amount of {$180.00} pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including XXXX XXXX. XXXX, XXXX XXXX. XXXX ( b ), and XXXX XXXX. XXXX. I request a reasonable investigation into the accuracy, completeness, and validity of this account. Please provide full verification and validation of this alleged debt, including : A copy of the original signed agreement or contract bearing my signature Complete account statements and payment history Proof that I am legally responsible for this debt Documentation showing the date the debt was incurred The name and address of the original creditor Proof that the collection agency has legal authority to collect this debt Documentation verifying the amount being reported is accurate Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am requesting full debt validation. Under the FCRA, furnishers of information are required to report only accurate and verifiable information. If this account can not be properly verified with competent evidence, I demand that it be deleted immediately from all consumer reporting agencies. Additionally, pursuant to XXXX XXXX. XXXX ( XXXX ) ( XXXX ), any information found to be inaccurate, incomplete, or unverifiable must be promptly removed or corrected. Failure to conduct a proper investigation or continued reporting of unverifiable information may constitute noncompliance with the FCRA and FDCPA. I request written confirmation of the results of your investigation and deletion of this account if verification can not be provided.

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 2026-05-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I follow the instructions to get {$400.00} deposited {$25000.00} and waiting XXXXmonths. I didnt get anything, so I called American Express XXXX They told me that I didnt qualify because I withdrew from my saving account ( {$10000.00} ) which I did by accident because I have multiple accounts, hence why I put the {$10000.00} back to my account the next day.They said it was XXXX of the rules. Which I didnt see. I opened the account XX/XX/XXXX Deposit {$25000.00} XX/XX/XXXX Withdrawn {$10000.00} ( accident ) XX/XX/XXXX Deposit {$10000.00} XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In XXXX of XXXX, I was notificed of several collection accounts that were reported on my credit report. I submitted disputes requestion validation of the debt but was not provided anything. The credit bureaus updated my reports as valid and never responded to my letters. I resubmitted my dispute in XXXX asking for detailed information and was again told that the information was accurate but no information or documentation requested was provided. In a third attempt in XX/XX/XXXX, I submitted another dispute requested validation or deletion but I was again not provided any information confirming that the information being reported belonged to me. These companies are practicing deceitful practices. Additionally, they responded to my previous dispute by stating that they provided the verification documentation that I requested but they did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
A XXXX chase credit card I had and was good standing paying my bills on time until I fell on a bind financially being in between jobs .. so chase bank sent me a letter on my door saying I have to pay this XXXX back or they will take me to court.. I need taken care of immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 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: Carvana Group, LLC
State: PA

Complaint narrative:
On or around XX/XX/XXXX, I purchased and financed a XXXX XXXX XXXX through Carvana and XXXX. The vehicle was represented as having passed Carvanas inspection process and being in reliable condition. Within weeks of purchase, I began experiencing serious issues with the vehicle. There was an active recall, the horn would randomly sound while driving, and the vehicle repeatedly failed to start after getting gas. I contacted Carvana regarding these concerns while the vehicle was still under coverage but was repeatedly told the vehicle had passed inspection. I was also told on multiple occasions that someone would follow up with me, but no one ever did. Over the following months, additional issues developed, including leaking and failing tires, battery problems requiring replacement twice, stripped and super-glued engine screws that caused extensive labor costs during repairs, suspension and shock problems, serpentine belt replacement, improperly installed filters, increased fuel consumption due to the vehicle running poorly, and ongoing concerns regarding possible transmission issues. I have spent XXXX of dollars out of pocket attempting to keep this vehicle operational, including over {$400.00} for tires, approximately {$400.00} for batteries, and approximately {$3000.00} related to battery replacement, filters, removal/replacement of damaged screws, etc. Mechanics have informed me that several of these issues should have been identified during a proper inspection prior to sale. I also attempted to add extended coverage shortly after purchase once I realized I had accidentally not selected it during the buying process, but I was informed coverage could not be added after the sale, even though I had not yet received the vehicle. In XX/XX/XXXX, after escalating the matter again, Carvana informed me that because the warranty coverage had expired, they would not assist with repairs and that my only option was an appraisal/trade-in. However, the vehicle is currently worth thousands less than what I still owe on the loan, leaving me financially trapped in a vehicle that has had ongoing problems since shortly after purchase. I believe the vehicle was not properly inspected before sale and that my concerns were not meaningfully addressed when first reported during the warranty period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MT

Complaint narrative:
Montana law requires lien release within 21 days. As of today 24 days after payout with No release. Every attempt to resolve this issue with company leads to foreign call center and the representatives are literally clueless.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
XXXX XXXX military member, I have been without my vehicle to drive to almost 2 months. My vehicle was registered and titled in XXXX after moving from XXXX in XXXX. I then registered my vehicle in my home of record of XXXX in XXXX. The XXXX XXXX XXXX sent two notices to Navy Federal stating that the title was needed to complete the registration process. As a courtesy to me the XXXX XXXX continued to allow me to register without the title because this issue was not in my control. As of XX/XX/XXXX when I went to renew the XXXX registration they stated the title was never sent to them and the registration process is denied. I have been contacting Navy Federal as soon as I found this to be an issue and continually contact Navy Federal to send the original paper title so I can complete the registration process. Navy Federal notified me that the original title was sent from XXXX to them and they sent it XXXX. XXXX XXXXrivers service stated that Navy Federal only send a scanned version of the back of the title which is not what they needed to approve me for the registration process. I have been calling Navy Federal on a weekly basis to get an update and they are just referring me to call back in 7 days to get an update and they are still trying to locate the original title. I have been renting a vehicle for the past 2 months which is causing a hardship and making the original auto loan payment and insurance on this vehicle in which I can not drive because of this ongoing issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST Account number XXXX Original creditor XXXX Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Status Collection account. {$1500.00} past due as of XXXX XXXX. Status updated XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TN

Complaint narrative:
On or about XX/XX/year>, I became aware of unauthorized activity on my bank account. It appeared that someone was having valid payments reversed on my XXXX account and was then making charges on my cash app and accessing the funds that became available after XXXX reversed valid transactions. I contacted Cash App about this on or about XX/XX/year>. I was told that an investigation would be conducted and I am continuously being told the investigation is still ongoing. They did not provide the required provisional credit within XXXX days. It has been XXXX days as of the date of notification and approximately XXXX days since the incident. I need upper management to intervene and let me know something about the investigation and the recovery of my money.

Company response to consumer: Closed with explanation