vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TOLL BROTHERS INC
State: TX

Complaint narrative:
Description of Events 1. Settlement Disclosure Violation ( TRID ) : On XX/XX/XXXX, the Lender ( Toll Brothers Mortgage ) and the Affiliate Title Agent ( XXXX XXXX ) certified a final Closing Disclosure ( CD ) for the purchase of a property. This CD omitted a {$16000.00} credit related to the transaction. However, the XXXX XXXX ( XXXX XXXX ) subsequently issued a 1099-MISC to me for that same {$16000.00}. Under Federal Regulation Z ( TRID ), all financial terms of a mortgage transaction must be accurately disclosed on the Settlement Statement. By maintaining " off-book '' credits that contradict IRS reporting , the Lender is falsifying the federal record of the transaction to artificially inflate the recorded sales price. 2. Failure to Cure Recording Error ( RESPA/Regulation X ) : The Lender issued incorrect instructions that resulted in a Deed of Trust ( Instrument # XXXX ) being recorded with a false statement of fact, incorrectly listing me as a " Borrower '' despite the fact that I am not a party to the Promissory Note or the loan application. On XX/XX/XXXX, I served a formal Notice of Error ( NOE ) to the Lender. Despite a written admission of this clerical error from Corporate Counsel, the Lender has failed to exercise due diligence to cure the record via a Correction Affidavit ( Texas Property Code 5.028 ). This creates a permanent cloud on title and misrepresents my financial liabilities in the public record. 3. Affiliated Business Arrangement ( AfBA ) Deception : The Lender is leveraging its corporate affiliation to bypass transparency requirements. They have refused to reconcile the Escrow Ledger with the IRS Reporting, effectively shifting a phantom tax liability to the consumer while refusing to correct the legal security instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I submitted payment of the correct FULL BALANCE of {$4200.00} via XXXX XXXX XXXX XXXX from my checking account on XX/XX/year> to my XXXX XXXX. The due date was XX/XX/XXXX. On XX/XX/XXXX, I received an email from PayPal confirming receipt of the correct STATEMENT BALANCE of {$4200.00}. On Monday, XX/XX/XXXX, I checked my online XXXX XXXX account and found a pending payment of {$4200.00} IN ADDITION to my authorized XX/XX/XXXX payment of XXXX. I called XXXX XXXX and they confirmed sending my XX/XX/XXXX payment and, that XXXX XXXX XXXX XXXX correctly documents ONLY one authorized payment of XX/XX/XXXX- and that as of XX/XX/XXXX, PayPal had not cashed it. I asked XXXX XXXX to place a Stop Payment on the Bill Pay of {$4200.00} XXXX authorized on XX/XX/XXXX. I then called XXXX XXXX and questioned how they pulled the {$4200.00} from my XXXX XXXX account, since I did not authorize it, AND do not have the account either linked to ANY account of mine or have it set for Auto Pay. They confirmed the account is not linked to XXXX XXXX or ANY account of mine and it is not set for Auto Pay. They claim I authorized the payment on XX/XX/XXXX. I did not, and asked for written proof. They first refused, advising they had no way of providing. When I insisted escalating to a supervisor, they said they would send an email within XXXX hours stipulating their claim. I need written proof, not a repeat of their claim. I did not authorize any payment to Pay Pal on XX/XX/XXXX, have no record of such on either my XXXX XXXX checking account or XX/XX/year> XXXX XXXX Statement. I authorized XXXX payment only - Full account balance of {$4200.00} on XX/XX/XXXX. I want Pay PAL to provide written proof of authorization for their access to my checking account. I did not authorize the XX/XX/XXXX payment of {$4200.00} on XX/XX/XXXX as they claim, and their pulling this amount from my XXXX XXXX account forces this account to either refuse upcoming set payments or multiple sizeable overdrafts.

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 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I received a XXXX payment from a customer after selling cabinets. Once the funds were deposited into my Capital One account, my account was frozen. I contacted customer service, answered all the necessary questions, and completed the requested verification process. I was informed that my account would be closed, and that the remaining balance ( {$2900.00} ) would be sent to me by check. However, it has now been almost two months, and I have not received any check. Each time I call, I am told that the check will be sent, but I still have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> Hunter Warfield , Inc . XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Debt Validation Request Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt in the amount of {$12000.00}. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1692g and 15 U.S.C. 1692c, I am requesting validation of this debt. Please provide the following information : 1. The amount of the alleged debt, including a full breakdown of all fees, interest, and charges 2. The name and address of the original creditor 3. A copy of the original contract or lease agreement bearing my signature 4. Documentation showing that I am legally obligated to pay this debt 5. A complete payment history on this account 6. Proof that your company is authorized to collect this debt in my state Additionally, pursuant to 15 U.S.C. 1692c, I request that you cease all communication with me except in writing to the address listed above. Until you provide proper validation of this debt, you must cease all collection activities and reporting to credit bureaus. If this account is currently reported, it must be marked as disputed. Failure to comply with this request will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state for violations of the FDCPA and any other applicable laws. If you are unable to provide proper validation, you are required to delete this account from my credit file and cease further contact with me immediately. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
I have called 3 times now asking for info and I keep hearing call back tomorrow, we dont have access to your account Etc. my loan was sold from Cenlar to PHH or soon to be Onity. No transparency, or communication. I just want to pay my mortgage and keep going. I have not received a packet or welcome letter. First rep told me I had to re sign up. 4th rep said my info and auto draft should transfer. I just want to see my payment come out. It is now 5 days late. I budget weekly / monthly. This will cause me financial issues. Granted I moved the cash over and have it separated I like to see my bills come out as scheduled. The economy is rough & prices are at an all time high. Please fix this communication issue, take my mortgage payment and let me live in peace. The 1.1 star rating online does not help put my mind at ease. It also does not help that the hold times are rough and reps have a non professional way of answering and talking on the phone. They also have 0 information for you and can not help, almost like they are contracted for several companies.

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 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
This company has now responded to multiple disputes and complaints regarding this account, including a prior CFPB complaint, yet they continue to rely on the same inadequate documentation. Their response states that a billing statement showing a total amount, payments made, and remaining balance is sufficient validation. However, this document does not include an itemized breakdown of charges, transaction history, or any detailed accounting of how the balance was calculated. A summary statement does not allow me to determine : what the charges consist of whether the charges are accurate whether the balance is correct whether any portion of the balance is incorrect or not mine Despite multiple requests, the company has never provided : a full itemized statement a complete billing history documentation showing how the balance was calculated They continue to report this account to the credit bureaus as verified and accurate, even though the balance can not be independently verified from the documentation provided. Because they have failed to provide sufficient validation over an extended period of time and across multiple disputes, this raises serious concerns regarding compliance with the Fair Credit Reporting Act and the accuracy of the information being furnished. I am again requesting that : this account be properly investigated full documentation be provided or the account be deleted from all credit reporting agencies if it can not be fully verified

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Its the MCM collection agency. Its about a credit card debt. They call constantly, they even contacted one of my friend and have called him multiple times. Im not sure how they got his number, ive never added his number to any accounts ever! when I asked the representative he couldnt answer the question. It was a really uneasy experience talking to the representative of the debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
My Chase XXXX XXXX was closed in XXXX of 2025 without good reason. Now o have no credit card to use for everyday business expenses. I can o ly pay it down like a high interest loan! No fraud is detected. I believe this is gender discrimination because I am a woman business owner. I e owned the same profitable dental office for 19 years and have excellent credit. I want my account open for use.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
My account has been restricted they are holding my funds going on a very long time with no explanation or time line my daughter needs XXXX supplies they are cause in due harm want my funds released to my external account now they can close the account I don't care funds approx XXXX dollars no one responds or cares I've done nothing wrong SoFi Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX Citi card had a built in extended warranty that they have since changed. I was grandfathered into the plan and had an appliance go out. Their customer service is misleading me and making me jump through hoops. I've provided addequate information on what I can provide. I've worked with customer service several times. All I want is to be re-imbursed for the appliance that failed. This is something they are doing to not pay out to customers. They make it too much of a hassle. Please help me.

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 2026-04-06 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: NY

Complaint narrative:
Since XX/XX/XXXX, I have been sending money to the receiver 's bank account, but the receiver hasn't received the money. Then i checked status in this transaction, it showed transaction was delivered. I called Western Union customer service and emailed them about it. They said there was a technical issue with this transaction. Can you please refund {$530.00} to the sender 's bank account?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a merchant processing agreement with CardConnect LLC ( via XXXX ) and an equipment lease ( Agreement # XXXX ) with XXXX XXXX XXXX XXXX XXXX XXXX XXXX for two POS terminals at $ XXXX total the only amount ever authorized. The arrangement was induced by a falsified financial document transmitted electronically by the sales agent. From the start, CardConnect billed processing fees at 0.33 % 6.6 times the agreed 0.05 % rate plus unauthorized authorization fees escalating from {$0.00} to {$0.00} per transaction, undisclosed monthly fees, and fees for declined transactions. Total documented processing overcharge across both business locations over 25 months : {$10000.00} on {>= $1,000,000} in card volume. Separately, XXXX XXXX XXXX executed unauthorized XXXX debits from my XXXX XXXX business account in amounts never authorized under the lease : XX/XX/XXXX : {$150.00} debited ( {$41.00} above the {$100.00} authorized amount ). Disputed ; credit issued. XX/XX/XXXX : {$180.00} debited, appearing in bank records as " Electronic Withdrawal Irs '' rather than XXXX XXXX XXXX a deliberately mislabeled ACH entry concealing the true originator, in violation of NACHA Operating Rules. XX/XX/XXXX : {$180.00} debited. XX/XX/XXXX : {$180.00} debited. XX/XX/XXXX : {$180.00} debit attempted blocked by XXXX XXXX These {$180.00} XXXX charges are charged IN ADDITION TO the regular {$100.00} monthly XXXX XXXX XXXX not instead of it. In months when both are charged, the total extracted reaches {$290.00} 173 % above the only authorized amount. The {$180.00} figure has no basis in the lease agreement under any calculation, including all disclosed fees combined. After the XX/XX/XXXX dispute, rather than correcting the overcharge, XXXX escalated from {$150.00} to {$180.00} a higher unauthorized amount demonstrating a willful pattern of noncompliance. Formal demand letters were sent via certified mail on XX/XX/XXXX to XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. A formal Notice of Rescission of the equipment lease was transmitted on XX/XX/XXXX. ACH authorization has been formally revoked with XXXX XXXX All parties have been placed on notice. The XXXX response deadline is XX/XX/XXXX. Relief requested : Immediate cessation of all unauthorized ACH debits ; restitution of {$10000.00} in processing overcharges and {$360.00} in lease overcharges ; investigation of the mislabeled ACH entry ; and enforcement action against XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX violations and UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Unauthorized Charge and Missing Merchandise - Fifth Third Bank " I am filing this complaint against Fifth Third Bank regarding an unauthorized charge of {$19.00} for a checkbook order dated XX/XX/scrub>, 2026. I never authorized this order, nor do I need these checks. I contacted the bank via chat multiple times to dispute the charge. The bank representative ( XXXX ) acknowledged the unauthorized order but refused to waive the fee through digital channels, insisting that I must physically visit a local branch to return the checks once they arrive. However, as of XX/XX/year>2026, the checks have NOT arrived. The XXXX tracking number ( XXXX ) shows the package has been stuck 'In Transit ' since XX/XX/XXXX and is officially lost or severely delayed. I work XXXX shifts and can not spend my limited time off visiting a branch to return non-existent items for an error the bank committed. It is a violation of my consumer rights to hold my funds XXXX for merchandise that was never delivered and never authorized. I am requesting : XXXX. A full refund of the {$19.00} unauthorized charge immediately. XXXX. Cancellation of any future automatic check re-orders. XXXX. A 'Stop Payment ' on the lost check range at no cost to me to protect my account from fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am filing a complaint regarding an international wire transfer in the amount of {$10000.00} that has been on hold for over three weeks by TD bank. The funds were sent on XX/XX/year> from my parents in XXXX XXXX with USD currency, and I was later informed by the bank that the funds have already arrived after calling them. However, the money has not been made available to me. I have contacted the bank multiple times, and each time I was told that the delay is due to a compliance review, but no clear explanation or timeline has been provided. As of today, it has been three weeks since the transfer, and I still do not have access to my funds nor received any updates from them. This delay is unreasonable and has caused significant inconvenience. I am requesting that the bank immediately release the funds or provide a clear and specific explanation, along with a definite timeline for resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goal Structured Solutions, LLC
State: TX

Complaint narrative:
I am disputing a tradeline reported by Launch Servicing LLC on my credit report. After reviewing their response to a prior CFPB complaint, multiple critical issues remain unresolved : Account Type Misrepresentation : Launch describes the obligation as an Income Share Agreement ( ISA ), yet reports it to XXXX, XXXX, and XXXX as a loan. Reporting an ISA as a loan is inaccurate ; ISAs are not loans and can not legally be reported to credit bureaus as such. Originator Conflict : The account is reported under XXXX XXXX account number ( XXXX ). XXXX XXXX has stated in XXXX correspondence that it is not the loan originator, and Launch Servicing has not provided documentation proving it is authorized to report this debt. Incomplete Verification / Missing Account Number : In Launchs response to my prior CFPB complaint, they referenced the account but did not provide the account number, preventing independent verification. Conflicting Balances Across Credit Bureaus : XXXX reports {$22000.00}, XXXX reports {$0.00}, and XXXX reports {$1700.00}. XXXX has not reconciled these discrepancies or provided supporting documentation. Lack of Supporting Documentation : Launch claims income and identification documents were submitted, but none have been provided to me for verification. Account Status Issues : The account is reported as past due, yet balances, classifications, and payment history differ across bureaus, making the account unreliable. Requested Resolution : Require Launch Servicing LLC to provide documentation verifying the account, including the account number on official business letterhead, explicitly stating that the obligation is a loan. This is necessary because an ISA can not be reported to the credit bureaus. Correct the account type if it is inaccurately reported as a loan. Delete the tradeline from all credit bureaus if it can not be properly verified. Ensure accurate reporting going forward.

Company response to consumer: Closed with explanation