vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AMERISAVE MORTGAGE CORPORATION
State: DE

Complaint narrative:
I am an Ameri-Save mortgage customer with account number XXXX. I am filing this complaint regarding inaccurate negative credit reporting that occurred during an active loan modification process. Beginning in XX/XX/2026, I experienced financial hardship and missed mortgage payments. I subsequently applied for and was approved for a loan modification with Ameri Save. During the modification process, an Ameri save representative explicitly instructed me not to make payments while the modification was being processed. I relied on these instructions in good faith. Despite this instruction, Ameri Save continued to report my account as having missed or late payments to the credit bureaus ( XXXX XXXX, and XXXX ) the entire duration of the modification process. This reporting is inaccurate and misleading. I was acting in accordance with Ameri Save 's own instructions when no payments were made during this period. Reporting these as missed payments is a violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report accurate information. I have contacted Ameri save on multiple occasions and submitted a dispute with the credit bureaus and have not received a satisfactory resolution.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: NC

Complaint narrative:
I am filing a formal complaint against National Debt Relief ( NDR ) for a violation of the FTC Telemarketing Sales Rule regarding advance fees and predatory fee prioritization that caused my active debt settlement to default. I was enrolled in a debt relief program with NDR. They successfully negotiated XXXX of the accounts submitted. Due to an emergency, I had to miss XXXX monthly program deposit. When I resumed my deposits, NDR immediately withdrew a fee of {$410.00} for themselves, leaving a balance of only {$20.00} in my dedicated escrow account ( managed via XXXX ). By draining my account for their own fees, NDR intentionally failed to make my scheduled {$150.00} monthly settlement payment to my active creditor. This front-loading of fees directly caused my active settlement contract to go into default, threatening to void the entire settlement and leaving me in a worse financial position. Under federal law, debt settlement companies can not collect fees in a manner that causes a consumer 's active settlement to fail. When I called NDR to complain, they promised a XXXX callback and ignored my request. They are currently calling me to pressure me into signing new settlements to generate more fees while ignoring my active default. I am requesting that the CFPB compel National Debt Relief to : Reverse the unauthorized {$410.00} fee immediately. XXXX 100 % of my remaining unspent funds from my XXXX escrow account. Process my immediate account cancellation and cease all automated ACH banking withdrawals. Company : National Debt Relief, XXXX Account/Client ID : XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi closed my credit card account ending in XXXX on XX/XX/2026. At the time of the closure, I had Citi ThankYou Points with an estimated redemption value of approximately {$1500.00}. After the account was closed, the points disappeared or became inaccessible. I did not receive clear advance notice that these earned rewards would be forfeited immediately after the account closure. I contacted Citi, but the issue has not been resolved, and I have not received a clear written explanation of why the points were removed or what specific policy Citi relied on.

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 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I enrolled in AutoPay for my installment loan and relied on that feature to ensure timely monthly payments. At one point, I made an additional payment of approximately {$1000.00} toward the loan balance. According to your representatives, this payment caused my AutoPay to be XXXX or suspended. I did not request that AutoPay be cancelled, nor was I notified that it had been turned off. As a result, several months passed without payments being drafted from my account. During that time, interest continued to accrue on the remaining balance. Had I been notified that AutoPay had been discontinued, I would have immediately resumed making payments and avoided the additional interest charges. When I later attempted to pay off the loan, I made a payment of {$14000.00}. Of that amount, Synchrony applied {$370.00} to interest and only {$13000.00} to principal, leaving a remaining balance of {$41.00}. I believe it was unreasonable and unfair for Synchrony to disable AutoPay without my authorization or notification, particularly when I had taken the initiative to make an additional payment toward the loan. The resulting interest charges appear to be a direct consequence of Synchrony 's actions rather than any failure on my part. I respectfully request : 1. A complete accounting of how the {$370.00} interest charge was calculated. 2. Documentation showing when and why AutoPay was disabled. 3. Documentation of any notice allegedly provided regarding the cancellation or suspension of AutoPay. 4. Reimbursement or waiver of the interest charges that accrued as a result of AutoPay being discontinued without my knowledge.

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 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding a promotional savings account bonus offered by E * TRADE from Morgan Stanley Private Bank. I opened a new savings account ( Account ending in XXXX ) on XX/XX/year>, pursuant to a promotional offer advertising a cash bonus based on deposited funds. I funded the account to over {$100000.00} on XX/XX/year>, and maintained a balance exceeding {$100000.00} continuously through XX/XX/year>. Based on the promotional terms as advertised, I met the requirements to qualify for the {$1500.00} bonus tier. However, on XX/XX/year>, I received only a {$1000.00} bonus, which is inconsistent with both the advertised offer and my understanding of the requirements. I contacted E * TRADE customer service via online chat on XX/XX/year> ( reference number XXXX ) to clarify the discrepancy. The representative was unable to provide a clear explanation as to why my account did not qualify for the {$1500.00} bonus tier. To date, I have not received a satisfactory or detailed explanation. The promotional terms appear to be unclear, misleading, or applied inconsistently, as I fulfilled the funding and balance maintenance requirements as a reasonable consumer would understand them based on the advertisement. This has resulted in a financial discrepancy and undermines confidence in the transparency of the promotion. I relied on the advertised terms when transferring and maintaining funds in this account. If there are internal definitions or exclusions ( e.g., net new funds ), these were not clearly disclosed or reasonably understandable from the promotion. NO files attached as E-trade should have access to all bank statements and chat history under my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CreditNinja Lending, LLC
State: CA

Complaint narrative:
I am extremely frustrated with CreditNinja 's inability to resolve a technical issue that has prevented me from submitting a pre-approval loan application. The only way to apply for a loan is through their website, but for over a week I have been stuck in an endless loop that redirects me between support pages and the application process without allowing me to complete an application. I contacted CreditNinja customer service and explained the problem in detail. I was later told that the issue had been fixed, but nothing has changed. The same problem continues to occur, making it impossible for me to apply. Despite multiple contacts with support, very little has been done to actually resolve the issue. The company whose business depends on online applications has allowed this problem to continue for more than a week while repeatedly assuring me that they will fix the problem. I have wasted considerable time trying to complete a simple pre-approval request and have received no meaningful assistance.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
NAVY FEDERAL CREDIT UNION - Closed XXXX XXXX XXXX XXXX : XXXX Disputes, Attn : XXXX Disputes, XXXX, VA XXXX Account Number : * XXXX RE : Formal Debt Validation and Credit Reporting Dispute Under FDCPA and FCRA To Whom It May Concern, I am formally disputing the validity and reporting of the above-referenced alleged account pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681 and 15 U.S.C. 1681b. According to my consumer report, this account is being reported as a charged-off account and allegedly transferred or sold. I dispute the completeness, accuracy, and legal enforceability of this reporting. I have never provided written consent authorizing your company, or any third party acting on your behalf, to furnish, obtain, or continue reporting my personal information without proper lawful authority and permissible purpose. Therefore, I request complete validation and verification of this alleged account, including but not limited to the following : 1. A copy of the original signed application, agreement, or contract bearing my signature ; 2. Complete account statements and payment history ; 3. An itemized accounting of the full balance claimed ; 4. Documentation proving the date and terms of any alleged transfer or sale of the account ; 5. Copies of any assignment, bill of sale, or ownership transfer records ; XXXX. Proof that XXXX XXXX has lawful authority to report or collect on this alleged account ; 7. Verification of permissible purpose under 15 U.S.C. 1681b ; 8. Verification that all information being furnished to consumer reporting agencies is complete and accurate. If your company can not provide competent legal documentation validating this alleged account and the reporting thereof, I demand the following : - Immediate deletion of this account from all consumer reporting agencies ; - Immediate cessation of any collection or reporting activity ; - Written confirmation that the account has been removed and marked disputed. Please note that reporting unverifiable, inaccurate, or incomplete information may constitute violations of federal law. All future communication regarding this matter must be made in writing only. XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am filing this complaint regarding XXXX XXXX decision to close my credit card account ending in XXXX and its failure to provide a meaningful explanation for that action. My account was closed by XXXX citing unusual payment activity. However, I maintained the account in good standing, made my payments on time, and never became delinquent. XXXX has not alleged fraud, charge-offs, default, returned payments, or any violation of the cardmember agreement. After receiving the closure notice, I contacted XXXX and formally disputed the decision. I requested a detailed explanation of the alleged unusual payment activity, the records reviewed during the investigation, the basis for the adverse action, and confirmation of how the account is being reported to the credit reporting agencies. In response, XXXX sent investigation letters dated XX/XX/year>. Those letters state only that the account was reviewed and is being reported correctly. XXXX did not identify any specific activity that was considered unusual, did not provide supporting documentation, and did not explain why the account was closed despite a positive payment history and a current balance of {$0.00}. XXXX also confirmed that the account was legitimately opened using my personal identifying information and did not identify any fraudulent activity or misconduct. I believe XXXX has failed to provide a sufficient explanation for its adverse action and has not adequately responded to my requests for clarification. I am concerned that the account may be reported in a manner that could inaccurately imply consumer fault despite the absence of delinquency, default, or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
requested a replacement debit card from Wells Fargo due to physical damage/wear. The bank mailed the new plastic, but it never arrived at my address ; it was intercepted and stolen from the mail. Wells Fargos system automatically denied my fraud claim, arguing that the transactions are valid because the card number remained the same. However, the bank is completely ignoring the fact that the newly issued plastic required activation and featured a completely different expiration date and CVV security codedata that I never possessed or activated. This is a clear case of mail theft and identity fraud. The total unauthorized amount is {$670.00}. Wells Fargo initially provided a provisional credit of {$110.00}, but they have now notified me that they intend to reverse and debit this provisional credit back from my account, while denying the remainder of the total disputed amount. I never received this card, I did not activate it, and I did not authorize any of these transactions. I have filed a formal police report regarding this mail theft and identity fraud. Under federal law ( Regulation E / Electronic Fund Transfer Act ), I am protected against unauthorized electronic fund transfers, and the bank is failing to conduct a proper and fair investigation by relying on an automated system error. I request a permanent reversal of the {$110.00} debit and a full credit for the remaining balance, totaling {$670.00}.

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 2026-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im reaching out again because a fraudulent account is still showing up on my credit report, even after my previous attempts to have it removed. Its frustrating and concerning that this issue has continued for so long without resolution. My credit report still contains incorrect personal information, and that error appears to be allowing this unknown and inaccurate account to remain. I have been a victim of identity theft my information was used without my permission, and I have no connection whatsoever to this account. As instructed by Experian , I filed an FTC Identity Theft Report and submitted all the necessary documentation, yet the fraudulent item is still being reported. This is unacceptable and continues to cause harm to my credit and personal records.

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 non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Date of incident : XX/XX/year> On XX/XX/year>, I received an email from Capital One offering me the opportunity to change my existing credit card rewards program. The email stated that I could change my card without a credit check or application and promoted new rewards options. On XX/XX/year>, I clicked the link in the email and reviewed the card options presented to me. Based on the information shown during the process, I believed I was selecting a Capital One XXXX card with no annual fee. Immediately after completing the process, I discovered that my account had instead been changed to a Capital One XXXX card that carries a {$95.00} annual fee. I did not intend to select a card with an annual fee and would not have agreed to the change had I understood that a {$95.00} annual fee would apply. As soon as I saw that the account had been changed to a XXXX card with a {$95.00} annual fee, I immediately contacted Capital One customer service on XX/XX/year>. I explained that I believed I had selected a no-annual-fee XXXX card and requested that my previous no-annual-fee card be restored or that my account be converted to a comparable no-annual-fee product. Capital One declined to restore my previous card and declined to reverse the product change, despite my immediate efforts to correct what I believe was a misunderstanding or misleading presentation of the offer. Amount involved : {$95.00} annual fee. Resolution requested : Restore my previous no-annual-fee card or convert my account to a comparable no-annual-fee Capital One card and remove any annual fee associated with this product change.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: Kubota North America Corporation
State: DE

Complaint narrative:
XXXXBelow are my detailed notes of ALL interactions: XXXXI found out when my Kubota was repossessed that my automatic payments had not gone through. I don't check every account each month and was never contacted via phone, email, or mail for any missed payments, or subject to repossession. XXXXXX/XX/XXXX\nSpoke with XXXX from Kubota credit about acct, was told they no longer own the account. It is owned by XXXX XXXX and gave me their number. \XXXX XXXX---Do not have my account anymore\n8XXXX is new number XXXX gave me. \nXXXX XXXX XXXX XXXX XXXX XXXX (Kubota Credit Corp)-XXXX XXXX already repossed equipment, they are only repo company. Call Lost mitigation for Kubota.\nKubota Credit Corp Acct XXXX XXXX XXXX XXXX. Certified funds. Sending letter to my email, should be 24-48 hours. \nSpoke XXXX on XX/XX/XXXX at XXXX.\nXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Kubota Credit Corp-XXXXCan go to authorized dealer to pay. Total is XXXX XXXX XXXX XXXX. Difference of XXXX. Must be certified. Cannot find manager to approve next day payment. Will return call ASAP when locates manager-ended call at XXXX. \nCalled XX/XX/XXXX at XXXX \nGentlemen hung up on, XXXX XXXX XXXXLien release was sent XXXX XXXX. Asked for it to be sent to email. XXXX equipment has tractor, need to call them to set up delivery. \XXXX XXXX XXXX XXXX transferring to XXXXXXXX Equipment-Delmar---Customer satisfaction XXXX XXXX XXXX SUBJECT line: acct XXXX XXXX XXXXEmailing statements, send bank statements. Call back XXXX after getting it. \nFull audit of payment history. Every single transaction will be looked it. \nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Cannot find notes or record. Believes XXXX is handling, and Kubota credit XXXX spoke with him. He is in XXXX until this afternoon, and he will call me back today, in afternoon.\nXX/XX/XXXX Picked up tractor. XX/XX/XXXXstated bush hog was not dropped off by repo company with tractor. XXXX XXXX. Called XXXX XXXX at Kubota Credit XXXX. XXXX calling agency to escalate situation. Reaching out leadership. Never located bush hog, a XXXX piece of equipment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and left voicemail. \nXX/XX/XXXX at XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Then called XXXX. Spoke with gentlemen, XXXX. Transferred to XXXX, but she did not answer. Knows she in building. She is the manager per XXXX.XXXXXXXX XXXX XXXX, contacted attorney, sent legal letter to Kubota."

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation