vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
On XX/XX/26 I called Freedom Mortgage to ask why my most recent escrow analysis shows my next home owners premium will be almost {$15000.00} while my last payment was less than {$5000.00}. Freedom told me XXXX XXXX gave them that estimate. I called XXXX XXXX and they denied providing an estimate to Freedom. I called Freedom back and they still insist the estimate is from XXXX XXXX. I asked for proof and they denied having any. I asked for a new escrow analysis and was denied. I asked to be escalated and I was denied. I sent a letter notifying them of their error via certified mail.

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 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
This is the third time this has happened XX/XX/year>. I made an additional XXXX dollar payment again to cover the escrow as of yesterday XX/XX/year>. There was no sign of my money again. I had to put a stop payment through XXXX because Wells Fargo likes to fleece people thats why they lose your payment interest and then they say G you havent paid your escrow. It is their fault they denied it. They told me I had to write a letter to find out what happened to my funds rather that I just do a stock payment through XXXX I give up. I will no longer do that. Its pathetic. Im XXXX years old this year and partially XXXX it makes you wonder what else theyre doing to customers

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 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding an account being reported on my credit report that I believe is inaccurate and has not been properly validated. I previously requested validation of this alleged debt, including documentation verifying the original creditor, the accuracy of the balance, and proof that the company has the legal authority to collect this debt. To date, the company has failed to provide adequate verification while continuing to report this account to the credit reporting agencies. Reporting unverified or inaccurate information violates the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting that the company either provide proper validation of the debt or immediately remove the account from all credit reporting agencies. If they can not provide documentation proving the debt is accurate and legally collectible, the account should be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: NC

Complaint narrative:
I have been locked out of my Capital One online account for several weeks. I submitted all requested identity documentation, which Capital One confirmed has been verified. Two digital access tickets have been submitted, yet I still can not access my account online. Customer service representatives can see my accounts but have not been able to restore my online access. I have payments due and can not manage my accounts or view my account activity. I am requesting immediate restoration of my online account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
b'Credit Card Product: CapitalOne Platinum Secured Card\nAccount Number: XXXX XXXX XXXX XXXXComplaint Reference Number (from manager call): XXXXComplaint Date: XXXX XXXX XXXXDate of Account Opening: Approximately XXXX XXXX XXXXI am filing this complaint against Capital One regarding my secured credit card account. I am raising four distinct issues.\n\n1. ASYMMETRIC FUND HANDLING UNTRACKED MAIL REFUND\n\nWhen I opened this account, Capital One collected my security deposit immediately via ACH electronic transfer. Upon requesting account closure, I was informed that my deposit would be returned by standard U.S. mail with no tracking number. This is asymmetric and exposes me to the risk of loss of funds through no fault of my own. Capital One transferred my money electronically and instantly, but accepts no equivalent responsibility in returning it. If the check is lost in transit, I bear that burden.\n\n2. NO MEANINGFUL PATH TO INCREASE SECURED CREDIT LIMIT\n\nThe secured card has a hard maximum deposit of $XXXX, resulting in a $XXXX credit limit. I contacted Capital One and offered to deposit an additional $XXXX of my own money to raise my limit to $XXXX. This request was refused. I was not asking for unsecured credit. I was offering collateral. Capital One declined to accept it. This leaves consumers with damaged credit no viable path to build credit beyond a $XXXX limit, which is inadequate for normal credit utilization purposes.\n\n3. MISLEADING LANGUAGE FROM CAPITAL ONE REPRESENTATIVE\n\nDuring my call, a Capital One manager suggested I "may be evaluated" for additional credit. Given my current credit profile, this language was misleading. There is no realistic path for evaluation at my credit score level with a collection on record. The use of speculative language to deflect a legitimate complaint is deceptive.\n\n4. MANAGER TERMINATED CALL DURING ACTIVE COMPLAINT\n\nWhile I was in the process of raising a formal complaint with a Capital One manager, the manager terminated the call. This occurred before my complaint was resolved or properly acknowledged. Terminating a consumer complaint call is an interference with my right to dispute resolution. I have a complaint reference number confirming this interaction: XXXXI am requesting that the CFPB investigate Capital One\'s practices regarding secured deposit refund methods, secured credit limit caps, and the handling of consumer complaint calls. I am also considering filing a parallel complaint with the Office of the Comptroller of the Currency (OCC).\n\nThank you for your attention to this matter.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year>, I requested a XXXX advance of {$47.00}. I selected the XXXX ' XXXX option to avoid transfer fees. However, immediately upon the funds posting to my account, Chime 's automated system performed an unauthorized 'recovery ' ( XXXX ) of the same {$47.00}, plus additional funds that resulted in a negative balance of - {$14.00}. This recovery was improper because my next scheduled payday is not until XX/XX/year>. The system effectively granted an advance and then instantly seized it, leaving me with a {$0.00} net gain and a negative account. When I contacted support ( XXXX XXXX XXXX ), I was given no technical explanation for why the funds were recovered 14 days early. This error has caused severe hardship, as these funds were required for a legal XXXX insurance payment due XX/XX/XXXX. Furthermore, as an individual with XXXX, I depend on the transparent and logical operation of banking tools. Chimes failure to resolve this clear software glitch and their lack of accessible communication has put my legal driving status in Florida at risk. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: SC

Complaint narrative:
I have made multiple attempts to contact MOHELA regarding my student loans, including submitting messages through their online portal and requesting assistance through financial aid channels. Specifically, I have asked for a reevaluation of my loan balances, a detailed explanation of how my balances were calculated, and clarification regarding my eligibility and status under the XXXX XXXX XXXX XXXX ( XXXX ) program. I have also inquired about the XXXX buyback option and how it may apply to my account. Despite these repeated attempts, I have not received any meaningful response or follow-up from MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I enrolled in the Marcus savings bonus promotion for {$1500.00}, deposited {$100000.00} of new funds within the required 10-day window, and maintained more than {$100000.00} at Marcus at all times. After funding the savings account, I moved the funds into a Marcus CD. The money never left Marcus, and my total balances never dropped below the required amount. Despite this, Marcus denied the {$1500.00} bonus. The terms require customers to maintain both an Account Balance to Maintain and a Total Balance to Maintain, and they state that CD funds kept at Marcus continue to count toward balance requirements. This creates a reasonable understanding that maintaining the funds anywhere within Marcus satisfies the promotion. If the true requirement is that the full {$100000.00} must remain specifically in the Online Savings Account ( and not in another Marcus deposit product ), that condition is not clearly and prominently disclosed. The language is confusing and misleading to a reasonable consumer. I met the intent of the promotion by bringing {$100000.00} of new funds to Marcus and keeping it there. I am requesting that Marcus honor the advertised {$1500.00} bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Continental Finance Company XX/XX/year> Re : XXXX XXXX XXXX XXXX Dear Continental Finance Company, I am writing this in response to your recent correspondence related to account number XXXX XXXX, XXXX, XXXX. I lost my job and was out of work for an entire year. I have just recently started back working. I accept no responsibility for ownership of this debt ; however, Im willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt on time/never late ( once you receive the agreed-upon amount ). You agree to list this debt as a paid on time account. You agree to completely remove any and all negative references to this account from the credit reporting agencies ( XXXX XXXX and XXXX ) that you have reported to and validated this account. Account will not be closed. I am willing to pay the <Pay the past due balance on all three credit cards> in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made. Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay via online payment, cashiers check/money order/wire transfer. If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer, and it will no longer be valid. I look forward to resolving this matter quickly. Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am unaware of these debt, I didn't have the opportunity to dispute these debt. I did not receive proper notification. If in fact u believe I did have the proper notification please provide the certified mail receipt with my signature on there stating I received it. Account Number : XXXX Date : XX/XX/XXXX Amount : {$5800.00} Account Number : XXXX Date : XX/XX/XXXX Amount : {$4700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I filed for XXXXXXXX XXXX XXXX XXXX XXXXXXXX in XXXXXXXX XXXX XXXX nearly a XXXX XXXX Since then the XXXX XXXX department has canceled my application, not replied to it, told me it's processing and just blatantly lied and ignored the application. Something that shouldn't take more than XXXX to XXXX days has taken almost XXXX days. It has caused my credit score to drop, it has caused me financial and emotional hardships and its no way a federal agency that I pay for should be ignoring and blatantly ignoring the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: GA

Complaint narrative:
Ive had a Cash App account for years and Ive only used it for a couple of reasons. I tried to use my account and they said it was deactivated due to violating terms but no one could tell me exactly why happened. They give a generic explanation that makes no sense and advise you that you can appeal but even declining they still would not close my account. I have no balance, no pending anything yet nobody can help me. I keep reaching out to see if my account is deactivated and I cant use it, why cant it just be closed. I no longer want it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OH

Complaint narrative:
on my credit report o can see fraud on my account someone got a phone in my name i did not authorize this transaction someone has stole my identity and is using it without my permission i ask your team to help me with this situation please and thank you the transaction is for {$2000.00} it say the account was open in XXXX of 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DigniFi
State: FL

Complaint narrative:
On XXXX, I paid off a past due balance on my account. At the time I advised that I needed written confirmation due to an upcoming home closing. I was told that it would be reviewed and they would follow up in XXXX hours. I called back today and am experiencing the same treatment. My closing is being delayed, which is an additional financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
My vehicle was repossessed in XX/XX/XXXX by Santander XXXX USA. I later received a deficiency balance letter dated XX/XX/XXXX stating that the vehicle was sold on XX/XX/XXXX and that I allegedly owe a deficiency balance of {$18000.00}. However, I never received any notice of intent to sell or notice of sale prior to the vehicle being sold. Under consumer protection laws governing repossessions, a creditor must send a written notice before selling repossessed collateral informing the borrower of the sale and their rights regarding the vehicle. The only correspondence I ever received regarding this matter was the deficiency balance letter after the vehicle had already been sold. I keep all of my mail and records and I never received any notice prior to the sale of the vehicle. Additionally, my credit report shows that a payment was made on XX/XX/XXXX, which is the same date the vehicle was reportedly sold. This raises concerns about the accuracy of the reporting and the calculation of the balance being reported. Because I did not receive the legally required notice before the sale, and due to inconsistencies in the reporting and balance calculation, I dispute the validity of the deficiency balance and the reporting of this account on my credit reports. I am requesting that Santander XXXX USA provide documented proof that a notice of sale was mailed to me prior to the XX/XX/XXXX sale, including the date it was mailed and mailing records or mailing logs showing that the notice was actually sent to my address. A template copy of a notice alone would not verify that the legally required notice was mailed. If Santander XXXX USA can not provide proof that the legally required notice was mailed before the sale, I request that the deficiency balance be removed and that the tradeline be deleted from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CHECKredi of Kentucky, LLC
State: SC

Complaint narrative:
I started receiving phone messages from CheckRedi XXXX in regards to an attempt to collect a debt so I called them on XX/XX/year> @ XXXXXXXX XXXX. The lady said an email was sent to me regarding a charge at a XXXX XXXX XXXX location ( which I have used ) but she referenced an email address I have not used in over 6 years and a bank account number for a XXXX XXXX XXXXXXXX account I closed over 5 years ago. Being that this sounded suspicious I instructed the person to send me IN WRITING anything pertaining to this matter and to cease all phone calls. I repeated this several times. They have continued to call and leave messages on XX/XX/year> @ XXXXXXXX XXXX and XX/XX/year> @ XXXXXXXX XXXX Again, I was very clear communication needed to be mailed USPS to me and I would not communicate over the phone. CheckRedi has failed to send any communication to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
XX/XX/year> Shellpoint Mortgage Servicing Loss Mitigation / Foreclosure Department Re : Loan No : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Borrower : XXXX XXXX XXXX & XXXX XXXX XXXX To Whom It May Concern : This letter confirms that the above-referenced property is currently under contract for sale and respectfully requests a short extension of the foreclosure sale date currently scheduled for XX/XX/year>. The subject property is under contract and the transaction will result in a FULL PAYOFF of the existing loan through escrow. The buyer is a verified CASH PURCHASER with proof of funds exceeding the purchase price attached, and escrow is actively moving forward toward closing. During escrow it was discovered that a previously recorded deed of trust associated with the XXXX XXXX XXXX estate must be formally reconveyed in order for title to issue a clean title policy. The estate is currently in probate and the personal representative has the authority to execute the reconveyance ; however, the title company requires additional documentation and beneficiary estoppel affidavits to complete the release of the lien. These probate-related title clearance steps are currently in process and expected to be completed shortly. Once the reconveyance is recorded, escrow will be able to proceed directly to closing and your loan will be PAID IN FULL through the sale proceeds. Because this payoff is imminent and dependent only upon completion of the title reconveyance process, we respectfully request a 30-DAY POSTPONEMENT of the foreclosure sale date, moving the sale date from XX/XX/year> to XX/XX/year>. Granting this short extension will allow the escrow to close and ensure that Shellpoint receives a FULL PAYOFF without the delay and expense associated with foreclosure proceedings. Allowing the transaction to close will also maximize recovery and avoid the additional costs and time associated with completing the foreclosure process. Thank you for your consideration. Please feel free to contact me directly if any additional documentation from escrow or title is needed. Sincerely, XXXX XXXX XXXX Real Estate Broker | CA XXXX XXXX Ph : XXXX | XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I transferred funds from one account to my XXXX account as I always do and now they have my funds and my account frozen and they are not given me any reasons to why it is frozen and I need to pay my rent and can't because of it, I have had this XXXX account for years and now they decide to freeze me account for what, no explanation or anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: WI

Complaint narrative:
I have paid off my loan with Santander USA XX/XX/XXXX. i have not received my title and online in XXXX is saying that the title was sent to the owner. i have the same address before paying off my loan so it was not sent to the correct address.

Company response to consumer: Closed with explanation