vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: ND

Complaint narrative:
I initiated an international money transfer through Western Union from the United States to XXXX in the amount of {$50.00} plus fees. The transfer was initially made available for cash pickup, confirming that Western Union had received the funds. The recipient later requested that the funds be deposited into a bank account instead, and I approved this change. Western Union accepted and processed the change request. The transfer was expected to be deposited on XX/XX/year>. As of XX/XX/year>, the funds have not been delivered and are currently unaccounted for. Western Union has since stated to both myself and the recipient that they never received the funds. This is inconsistent with the fact that the funds were already made available for pickup, and the payment was successfully withdrawn from my bank account. I have contacted Western Union multiple times requesting the status of the transfer, the location of the funds, and an expected delivery timeline. I was informed that the process could take up to XXXX days ; however, the company has refused to provide any specific update, confirmation of where the funds are, or a defined timeline for resolution. I have also been told that certain departments can not discuss the issue with me, and no follow-up has been provided. I am currently being denied access to my funds with no clear resolution, explanation, or reliable timeline. Case number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am filing a complaint against Freedom Mortgage regarding improper escrow charges and the likely placement of force-placed insurance. My monthly mortgage payment increased from {$1300.00} to {$1600.00} beginning XX/XX/year>. I was told this increase is due to escrow ; however, Freedom Mortgage has refused to provide a clear explanation or documentation supporting these charges. Since the origination of my loan, I have continuously maintained my own homeowners insurance and have provided proof of active coverage to Freedom Mortgage multiple times. Despite this, I am being charged approximately {$300.00} per month for insurance that appears to be duplicative. Based on this, I believe Freedom Mortgage has improperly imposed force-placed insurance despite having evidence of existing coverage, which may violate RESPA and applicable servicing regulations. I have contacted Freedom Mortgage on multiple occasions and have been unable to obtain a clear explanation or resolution. I have also been informed that failure to pay the increased amount will result in negative credit reporting. As a result of these actions, I am now experiencing financial hardship and have fallen behind on payments due to being charged for what appears to be duplicate insurance coverage. I am requesting the following : Immediate removal of any force-placed or duplicative insurance A complete and detailed accounting of all escrow charges Written identification of any insurance policy applied, including XXXX and coverage details Correction of my monthly payment to reflect my valid, existing insurance coverage Reversal of all improper charges and fees Protection from negative credit reporting while this dispute is under investigation Freedom Mortgage has failed to provide transparency and has continued to impose charges that I dispute despite receiving proof of insurance. I am requesting prompt regulatory review and resolution of this matter. I am asking that my late payments be applied to my principal and that the increased payments for the XXXX XXXX also be applied to my principal.

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 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: FL

Complaint narrative:
Subject : Unable to Access Student Loan Account While Servicer Continues Withdrawing Payments Company : MOHELA Complaint : I am filing a complaint regarding my federal student loan serviced by MOHELA. I am currently unable to locate or access my loan account through MOHELAs system, despite ongoing monthly payments being automatically withdrawn from my bank account by MOHELA. I have attempted multiple times to : Log into both the old and new MOHELA websites Register for a new account using my personal information Recover or verify my account using identifying details Each attempt has failed, with the system indicating that my information does not match any account in their records. Despite this, MOHELA continues to withdraw my monthly payment via autopay. My bank statements clearly show payments being made to MOHELA, including as recently as this month. Additionally : I am unable to access my loan balance, payment history, or account details I can not obtain required tax documentation ( such as Form 1098-E ) I have been unable to reach MOHELA through customer service due to excessive wait times exceeding XXXX hours This situation raises serious concerns, including : Payments potentially not being properly applied to my loan Lack of access to federally required loan information Inability to verify my loan status or remaining balance I also received official communication from the U.S. Department of Education in XXXX confirming that my application for federal student loan relief had been reviewed and approved ( pending legal resolution ). This confirms that my loan was active and properly recorded within the federal system. At this time, MOHELA is unable to locate my account while continuing to withdraw payments, which is unacceptable and potentially harmful. Resolution Requested : Immediate identification and restoration of access to my loan account Full accounting of all payments made to date Confirmation of my current loan balance and status Access to all required tax documentation Investigation into why my account can not be located Assurance that all payments have been properly applied If this issue can not be resolved promptly, I request that payments be suspended until my account can be verified and accessed. I am maintaining documentation of all payments and communication attempts and am prepared to pursue further action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint regarding my account with American Express due to concerns about unfair credit reporting, balance escalation, excessive collection practices, and lack of reasonable accommodation during financial hardship. In XX/XX/year>, I made a good-faith effort to resolve my account balance, which was approximately {$3000.00}. Prior to this, I had a strong payment history and had never been late until XX/XX/year>. During that time, I experienced unexpected financial hardship due to a car accident and related financial strain. I proactively contacted American Express to explain my situation and requested a short extension so that I could pay off the balance in XX/XX/year>. I paid the balance in full ; however, after doing so, I was charged approximately {$250.00} in trailing interest. I contacted American Express and requested that this charge be waived as a courtesy, given my prior history and proactive communication. This request was denied. Due to the unexpected additional charges and lack of flexibility, I requested a refund of my payment so I could reassess my financial situation. Following this, additional feesincluding late fees and continued interestwere applied to the account. As a result, the balance increased significantly from approximately {$3000.00} to over {$5000.00}. This escalation occurred despite my initial effort to resolve the account in good faith. Prior to this situation, my credit score was approximately XXXX and had consistently remained in the XXXX. Within approximately XXXX months, my score dropped below XXXX. This drastic decline has significantly impacted my ability to secure housing and maintain financial stability. Additionally, I have experienced persistent and excessive collection activity. I receive calls daily, often multiple times per day. During these calls, I have repeatedly explained my circumstances, including the accident and financial hardship. Despite this, the frequency of calls has continued without meaningful resolution being offered. I have expressed my willingness to settle the debt ; however, I requested written confirmation that any agreement would include removal or adjustment of the negative credit reporting. I was informed that this could not be guaranteed, leaving me without a fair path to resolve the matter while repairing my credit. The ongoing nature of these calls has also caused emotional distress, as I am repeatedly required to revisit a difficult and traumatic period in my life. I made a sincere and proactive effort to resolve my account responsibly. Instead, the balance increased significantly, my credit was severely impacted, and I have been subjected to ongoing collection activity without a reasonable resolution option. I am seeking a fair outcome that reflects my history as a responsible consumer and the circumstances surrounding this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On XX/XX/2026 I accidentally transferred XXXX $ from my checking account to a savings account under my name that was closed for several years. After waiting a two weeks for the money to return back to my account and nothing occurred I inquired with the bank. It took several days to get in touch with someone who admitted they had the money in the bank. They proceeded to tell me they could either give me the check in person or mail it to the address on file ( which I no longer lived at ). I opted for the address on file as I could get it forwarded to my current address. Otherwise I would have to travel cross country to visit this particular bank. After waiting several days with no update on the check in the mail. I called back up and inquired on not receiving it. They explained that they accidentally sent it to themselves and misplaced it. They have yet to give me a date as to when I will receive the money back. It is now XX/XX/XXXX with no relief insight. Either incompetence or a crime is being committed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
capital one credit report as a charge off. but has sent to collections. remarks on report stated profit loss and write off. account closed. If listed as profit loss .How can it be sent to collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The email I read that was sent to me showed I owed XXXX XXXX some amount of money. I reached out to the collection company via phone call and certified email to prove the validation of the debt, like the original bill, SIGNED CONTRACTS, they never responded to my mail. Caine and weiner collection NEVER sent me a mail. They have constantly called and bombard my phone with different numbers. Sent me couple of emails which automatically disappeared. I will upload the letter head of the mail I received. It came from XXXX XXXX. Its legit. I never signed any contract with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
Velocity Investments , LLC along with XXXX, XXXX XXXX XXXX XXXX whom are located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent a letter to me mentioning a judgment was entered against me and that a garnishment may happen. I did not receive any notices prior before this letter. The only communication between myself and debt company is through email explaining to them that I did not give consent to my information being sold or brought and that there is no written agreement between myself and the debt company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
On XXXX received notice that there is a tax lien on my home due to unpaid taxes. Rocket mortgage is my loan servicer, taxes and insurance was suppose to be escrowed into the payment. Closing documents show that I paid the monies to rocket for the purpose of paying land taxes but, rocket did not follow through and pay the taxes. Now, the taxes are delinquent, there is a XXXX, I have had to take time off to address the issue with the local tax offices, phone calls to rocket, phone calls to my closing agents which has yielded any success. At this time, rocket has failed to uphold a legal agreement ( closing statement ) and are at liability and risk for the initial cost, interest charges incurred, and the stress and headache that I am currently endurin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: FL

Complaint narrative:
Validation of Debt Request - MIDLAND CRED - XXXXXXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this dispute regarding several accounts on my credit report that require your attention : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$410.00} CHARGED OFF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} CAP XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$61.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and unauthorized credit reporting by XXXX XXXX ( XXXX ), which is furnishing information to TransUnion and other credit reporting agencies. On or about XX/XX/year>, I used XXXX for a one-time transaction in which they provided funds to pay my rent to my landlord in the amount of {$1800.00}. XXXX is not my landlord, and I did not enter into any lease or rental agreement with XXXX. Despite this, XXXX is reporting this account to TransUnion and other credit reporting agencies as a Rental Agreement and rentalAccountDebt, and as an open account. This is inaccurate and materially misleading because my interaction with XXXX was not a rental agreement but a financial transaction or advance. TransUnion and any other credit reporting agencies involved are reporting this information as furnished, despite its inaccurate and misleading classification. I did not authorize XXXX to report this account as a rental tradeline, nor did I provide consent for rent reporting to any credit bureau. I was not informed that this account would be classified or reported in this manner. I have requested that the company validate this reporting and provide documentation supporting their authority to report this account as a rental tradeline. This includes proof of any signed agreement, authorization for rent reporting, and documentation supporting the classification of this account. As of today, this issue remains unresolved, and the account continues to be reported inaccurately. This reporting appears to violate the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ), as the information being furnished is inaccurate and misleading. I am requesting a full investigation and that this tradeline be permanently deleted if XXXX XXXX ( XXXX ) can not provide signed documentation and proper authorization supporting this reporting and classification.

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 2026-03-17 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: CL Holdings LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
I am filing a complaint against Current regarding their handling of unauthorized transactions and failure to conduct a reasonable investigation. On XX/XX/year>, my mobile phone was stolen by an unknown individual. Beginning the very next day, XX/XX/year>, a series of unauthorized transactions were made using my account and virtual card. In total, there were 22 unauthorized transactions between XX/XX/year> and XX/XX/year> totaling {$340.00}. These transactions were conducted through online merchants and transfers to my XXXX XXXX account, which were then further used without my authorization. At the time, I no longer had possession of my phone, which contained access to my banking and authentication methods. Because my phone and phone number were compromised, I was unable to immediately access my account to detect the fraudulent activity. I took steps to secure my accounts, including canceling my wireless service with XXXX XXXX XXXX and changing my phone number. I have documentation confirming that my XXXX XXXX XXXX account was placed into canceled status. Once I regained access to my account with a new device and phone number, I reported the unauthorized transactions to Current on XX/XX/year>. Current denied my dispute, stating that the transactions were consistent with prior activity. I then submitted an appeal and provided new supporting evidence, including documentation of my XXXX XXXX XXXX account cancellation and an explanation of the stolen device. Despite this, Current denied my appeal and stated that no new evidence was provided. This is inaccurate, as I did submit documentation demonstrating that my phone and associated authentication were no longer under my control during the time of the transactions. I believe Current failed to conduct a reasonable investigation as required under the Electronic Fund Transfer Act. Their decision appears to rely solely on prior transaction history and does not adequately consider that the transactions were performed from a stolen device. I am requesting that Current : 1. Reopen and properly investigate my dispute 2. Provide documentation of their investigation findings 3. Refund the {$340.00} in unauthorized transactions I have acted in good faith and reported the fraud as soon as I regained access to my account. I am requesting a fair and thorough review of my case.

Company response to consumer: Closed with explanation