vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am an XXXX servicemember with a mortgage serviced by CMG Mortgage , Inc . I am submitting this complaint because CMG failed to honor an approved military mortgage deferment and improperly billed and collected payments that were specifically deferred while I was on XXXX XXXX. 

On XX/XX/XXXX, I submitted a request for a military deferment and provided my XXXX orders. CMG acknowledged receipt and later confirmed that I was approved for a military deferment effective XX/XX/XXXX through XX/XX/XXXX. CMG explicitly stated, including in a written response to a prior CFPB complaint dated XX/XX/XXXX, that this deferment applied to principal and interest payments only and that I was still responsible for monthly escrow payments during this period. 

Despite this approved deferment, CMG issued a mortgage statement dated XX/XX/XXXX, demanding a total payment of {$4800.00}, which included principal, interest, and escrow. That same amount was processed and applied by CMG on XX/XX/XXXX. The payment was applied as a standard monthly payment, with portions allocated to principal and interest even though those amounts had been formally deferred. I did not authorize this payment as a voluntary principal curtailment, nor was I notified that deferred principal and interest would be collected or reconciled at that time. 

My loan was enrolled in automatic ACH payments, and CMG failed to appropriately suspend or restrict those drafts to escrow-only payments during the deferment period. As a result, CMG withdrew and applied funds that should not have been collected while the deferment was still in effect. This directly contradicts CMGs own written representations and caused funds to be taken from me while I was XXXX XXXX. 

By billing and collecting principal and interest during an approved military deferment, CMG failed to properly administer a loss mitigation option in violation of Regulation X, 12 C.F.R. 1024.41. CMG also mishandled and misapplied payments in violation of Regulation Z, 12 C.F.R. 1026.36, and the Real Estate Settlement Procedures Act, 12 U.S.C. 2605, by applying payments in a manner inconsistent with my actual payment obligations. In addition, CMGs actions undermined the protections afforded to servicemembers under the Servicemembers Civil Relief Act by placing the burden and financial harm on me during active-duty service. Billing and collecting deferred payments in this manner constitutes an unfair servicing practice under the CFPBs prohibition on unfair acts or practices. 

As a result of CMGs actions, I suffered an improper withdrawal and application of {$4800.00}, an incorrect reduction of my principal balance, and additional stress and administrative burden while XXXX. I continue to face uncertainty about whether my loan balance, escrow accounting, and payment history are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XXXX of XXXX, we had taken out a HELOC with BMO to replace an older LOC with BMO with a LOC with a higher limit. On XX/XX/XXXX, my spouse, XXXX made a payment to our HELOC for {$30000.00}. These were funds that we had drawn in excess from our LOC and had sitting in our checking account. Our plans had changed, so we no longer needed to borrow the {$30000.00}. She had mistakenly posted the payment as a principal only payment when her intention was to pay a Principal and interest payment, advancing our payment due date to XXXX. 

At the time we called on the XXXX of XXXX, we were showing funds available to draw. The call center person XXXX spoke to said he would fix it. The account transaction history looked strange the next couple of days. Today I checked the availability on the LOC to see that it was {$0.00}, when it should be {$24000.00} roughly. 

I spent 30 minutes on hold, then to only be told that because we made a large payment and it couldn't be verified, then there was a 10 day hold placed. That's strange because we were never notified about this hold. When I told them the funds came from BMO, they said I would need to send in verification of those funds. Those funds initially came from this LOC. Furthermore, the payment of {$30000.00} was made on XX/XX/XXXX, but the hold was until XXXX XXXX, 10 days from the date of the requested maintenance. The person on the phone never indicated a hold.

I've spent over 1.5 hours on the phone with BMO or XXXX  or whoever they are calling themselves today. I did a HELOC and I'm being forced to speak to a servicing company I didn't agree to deal with. Furthermore I'm being told that any payment made to my HELOC over {$10000.00} requires a HOLD of 10 days. This is not addressed anywhere in my loan agreement. I've asked for the documentation where I've agreed to this and noone was able or interested in answering my questions. I've lost all trust in this Financial Institution and I want a resolution ASAP.

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 2026-02-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I paid all fees to bridgecrest to reinstate my loan after repossession to keep my keys and get back in my vehicle the lender won't help me locate the car or give me information on where the car is or why I haven't gotten my car. They advised me the car was at the auction after I paid to get my car back. The auction meinheim won't release my car to me. I paid reinstatement for my car towing cost and storage cost to get my car back on XXXX XXXX today is XXXX XXXX no one can tell me when I can get my car or if my car is available

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 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: LA

Complaint narrative:
I am disputing the accuracy of the following charged-off accounts and inquiries. I believe that these accounts and inquiries have not been correctly reported, and I request that they be investigated and updated or removed if found to be inaccurate or unverifiable. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} Inquiries : XXXX CARD Date : XX/XX/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 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am disputing the inaccurate reporting of late payments and delinquent status currently reflected on my credit report. These entries are incorrect, as the payments were made on time or in accordance with agreed terms. I request that the late payment and delinquency remarks be removed and the account updated to reflect Paid as Agreed.

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 2026-02-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Opportunity Financial, LLC
State: IL

Complaint narrative:
I called into OppLoans today, XX/XX/year>. Spoke with customer service representative and explained clearly that I scheduled a payoff for XX/XX/year> in the amount of {$5000.00}. The website allowed me to select a payoff date and included interest due once date of XX/XX/year> was selected. I then received an email on XX/XX/year> stating that {$63.00} balanced remained. I explained to the representative that I had scheduled a full payoff for XX/XX/year> how was there a remaining balance. She stated numbers from XXXX. I stated I hear you however I asked if I am on your site and selected PAYOFF should it not have calculated any and all accrued interest for that due date with the final number provided on the website for stated payoff? She agreed however restated numbers on her screen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2026-02-03 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: SC

Complaint narrative:
Beginning in late 2025, letters from Midland Credit Management started coming to my residence regarding a debt the company claimed I owed. I disputed the debt with the first letter. 

The company has since sent XXXX additional letters. The debt was disputed with each letter. I requested proof I owed the debt, proof Midlands Credit Management owned the debt, full account history, proof the debt is within the statute of limitations, proof of the company 's licensing and authority to collect, and their credit reporting authority. 

I have not received anything from the company. I have received notification that the unvalidated collection account is posted on my credit reports. The most recent debt collection letter offered a discount to pay the debt, but again none of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE ( Bank ) XXXX XXXX CAPITAL ONE ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAPITAL ONE ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX {$10000.00} ( CHARGE-OFF ) LAW ; 15 U.S.C 1681e ( b ) FCRA Established the legal framework for credit reporting agencies ( CRAS ) in the XXXX. It mandates accurate, fair, and private consumer reporting, requiring CRAs to adopt reasonable procedures to protect consumer information regarding creditworthiness, standing, character, and general reputation.

( COLLECTION ) LAW ; 15 U.S.C 1692g FDCPA part of the Fair Debt Collection Practice Act ( FDCPA ), requires debt collectors to send consumers a written " violation notice '' within five days of the initial communication. This notice must detail the debt amount, creditor name, and outline the consumer 's right to dispute the debt within 30 days. Failure to comply with these requirements allows consumers to take legal action against the debt collector.

( LATE PAYMENT ) LAW ; 15 U.S.C 1666b part of the Truth In Lending Act, mandateds that's credit card issuers must mail or deliver periodic statements at least 21 days before the payment due date to avoid treating a payment as late or imposing additional finance charges. It protects consumers from unfair late fees when statements arrive too close to the due date. This statute is often used in formal disputes to challenge unfair late fees, demanding that creditors provide proof of timely mailing or remove the penalty.

( TILA ) ; 15 U.S.C 1601 Constitutes the finding and purpose section of the Truth In Lending Act ( TILA ), enacted in 1968 to mandated standardized disclosures of credit terms. It requires lenders to clearly disclose finance charges annual percentage rates ( APR ) to help use. TILA applies to most consumer loans. TILA Is implemented by Regulation Z, which is overseen by the Consumer Financial Protection Bureau ( CFPB ) and enforced by the FEDERAL TRADE COMMISSION ( FTC ) Provides consumers with the right to cancel certain loans transactions. The law was designed to promote honesty in lending and standardized how credit costs are presented.

( ECOA ) ; 15 U.S.C 1691

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding Upstarts inaccurate and false reporting of a charged-off account that is appearing on my consumer credit reports with XXXX XXXX XXXX XXXX 

The account being reported by Upstart is not mine, and the balance being furnished reflects charges, account activity, and information that are not relevant to my knowledge or authorization. I do not recognize this account as belonging to me, nor do I recognize the balance or transaction history being reported. 

Despite this, Upstart continues to furnish this account as a valid charged-off debt, which I believe constitutes inaccurate, misleading, and unverifiable reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 

Upstart has failed to adequately ensure the accuracy, ownership, and completeness of the information being furnished before reporting it to the credit bureaus. This false reporting is causing ongoing financial harm, including materially impacting my ability to qualify for homeownership and mortgage financing. 

I have disputed this account directly and requested verification. At this time, the inaccurate reporting remains on my credit reports. 

I am requesting that the CFPB require Upstart to : Conduct a full investigation into the ownership and accuracy of this account Provide documented verification that this account belongs to me, including original application and authorization records Immediately delete the tradeline from all consumer credit reporting agencies if the account can not be fully verified as accurate and mine I am requesting relief in the form of complete deletion of this account from my credit reports due to inaccurate and false reporting. 

Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX  Condition Derogatory Responsibility Individual Current Balance {$8200.00} Original Balance {$7500.00} Limit $ 0 Monthly Payment {$0.00} Last Payment Status Collection / Charge-Off Loan Term XXXX Loan Type Unsecured loan Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Profit and loss write-off Creditor Information UPSTART NETWORK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX  Credit Report : XXXX  Credit Card Holder ( Unknown ) Open XXXX XXXX. Total Balance {$7200.00} XXXX Last Payment ( XX/XX/XXXX ). Amount Past Due : {$2000.00}. Citibank Reported XXXX XXXX, XXXX. Note : Never showed up on My Credit reports Year 2022. 
XX/XX/XXXX Citibank branch in XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX spoke with XXXX XXXX ( Banker ) XXXX XXXX Created profile XXXX XXXX gave him my persona! Information. He Called the Department of Fraud | spoke on the phone ( XXXX ) stated this is not me gave her the above information and stated | never had any business with Citibank on opening any account. | gave her my date of birth and my old address and the current address nothing match. | do not know the main cardholders name. { did not authorize for me to be secondary card hold. | try to file a Police report could not needed more information from Citibank. | spoke with XXXX XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Phone Number ( XXXX ) XXXX XXXX ). { XX/XX/XXXX ). Note : | explain what happen about the above Information did not want to help because he did not want the Police involved. Note : No one in Citibank personal ( Customer Service ) want to help hard to get answers give me the run around XXXX  the XXXX XXXX XXXX in XXXX ( XXXX ) XXXX. You can not get a live person ( XXXX ). Note : | spend Hours to get XXXX with a person ( s } and when |finally speak to a live person they want to know the XXXX card Holders name |tell them | don't Known no help. | disputed with XXXX  XXXX XXXX ( First Dispute # XXXX ) XX/XX/XXXX XXXX EST. Call again XXXX  on XX/XX/XXXX Spoke with ( XXXX ) Agent Explain about the above and he gave me the Credit card number I did not have. On First Dispute XXXX XXXXXXXX XX/XX/XXXX Completed | disagree on the findings Open Second Dispute XXXX XXXXXXXX. XXXX  XXXX are not doing the proper investigation. { told XXXX  personnel to look at my Credit History that | Paid all my creditors and never claim Bankruptcy ( Spoke with XXXX  XX/XX/XXXX XXXX. Note : Both companies ( XXXX  plus Citibank ) No doing the investigation properly.

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 2026-02-03 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I experienced a documented decrease in income and applied for a loan modification with my mortgage servicer. I submitted a complete application and supporting documents multiple times. Despite this, the company falsely claimed that I did not communicate with them and repeatedly stated that paperwork was missing.

I re-submitted the loan modification application three separate times, yet the servicer continued to deny the application without clearly identifying what documents were allegedly missing. I was never provided with a consistent or complete list of required documents, nor was I given proof that my submissions were incomplete.

The servicer has now begun discussing or threatening foreclosure, even though I actively communicated with them and repeatedly complied with all requests. This appears to be improper servicing and possible dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

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

Company public response: Company 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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: WV

Complaint narrative:
I am filing a complaint regarding Cash Apps failure to properly classify qualifying direct deposits and its refusal to investigate despite repeated, documented requests. 

Cash App advertises that receiving at least {$300.00} in qualifying direct deposits unlocks account benefits including Borrow and XXXX XXXX XXXX ( up to {$200.00} ). I relied on this representation when choosing Cash App for my direct deposits over other financial institutions. 

My deposits are as follows : {$50.00} on XX/XX/XXXX counted as a paycheck {$1500.00} on XX/XX/XXXX not counted {$1500.00} on XX/XX/XXXX not counted The deposits came from the same payer, which appears as XXXX XXXX. 

Despite this, only the smallest deposit was counted, while the XXXX significantly larger deposits were excluded without explanation. 

I have contacted Cash App XXXX multiple times over nearly XXXX months and provided trace IDs and detailed information. Instead of conducting an investigation or explaining the criteria used to exclude these deposits, Cash App has repeatedly responded with generic, templated messages stating that limits are system-determined. Most recently, support responded again without addressing any of the facts or requests for investigation. 

Cash App has failed to : Explain why deposits from the same source are treated inconsistently XXXX a meaningful review of my account XXXX the advertised terms for unlocking account benefits. 
As a result, I have been denied access to benefits I qualify for and experienced financial harm due to reliance on Cash Apps representations.

Company response to consumer: Closed with explanation