vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding Credit Control, LLCs failure to comply with XXXX XXXX XXXX  debt collection law after receiving my written dispute. 

XXXX XXXX admits in its CFPB response that it received my written dispute, ceased collection activity, and forwarded the dispute to its client, XXXX XXXX, XXXX. However, under XXXX XXXX XXXX XXXX and XXXX debt collection rules, once a written dispute is received, a debt collector must, within XXXX days, either ( XXXX ) provide substantiation of the debt directly to the consumer, or ( XXXX ) issue a written Notice of Unverified Debt stating that the debt can not be verified and that collection will not continue. 

Credit Control did neither. 

Forwarding a dispute to a creditor or closing an account does not satisfy XXXX XXXX, which imposes a non-delegable duty on the collector to respond directly to the consumer. XXXX XXXX response confirms that it attempted to collect a debt without first validating it and then closed the account without providing the legally required consumer notice. 

This failure deprived me of my statutory rights and contributed to ongoing confusion caused by sequential placement of the same disputed account with multiple XXXX. 

I request that the CFPB XXXX Credit Controls compliance with XXXX debt collection law and require confirmation of whether a Notice of Unverified Debt was ever issued. If not, I request appropriate corrective action and confirmation of compliance. 

Additionally, Credit Control had multiple available mechanisms to comply with its legal obligations. The CFPB complaint portal expressly allows companies to upload supporting documentation. If Credit Control possessed validation or was able to obtain it, it could have provided such documentation directly to me or uploaded it through the CFPB process.

Instead, Credit Control acknowledges that it did not validate the debt and did not issue a Notice of Unverified Debt. The availability of these compliance channels demonstrates that Credit Control had the ability to comply with its statutory obligations, yet failed to provide either required consumer notice. 

To be clear, although Credit Control remains within the XXXX statutory period ( today is XX/XX/year> ), its written response fails to demonstrate compliance with XXXX XXXX XXXX XXXX and does not state whether Credit Control will provide XXXX XXXX the debt or issue a Notice of Unverified Debt as required. Forwarding the dispute to its client does not satisfy XXXX law, which requires direct written notice to the consumer.

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 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
My mortgage servicing has been transferred multiple times ( XXXX XXXX XXXX Rocket Mortgage ) without proper written notice as required by RESPA. Each transfer required me to independently verify legitimacy to avoid potential fraud. I have submitted a Qualified Written Request to Rocket Mortgage requesting documentation and clarification. 

What went wrong : - No advance or follow-up written notice - Confusion over where to send payments - Fear of scam exposure - Lack of transparency What I want resolved : Written confirmation of : - Complete servicing transfer history - Proper compliance with RESPA notice XXXX- Current loan owner and servicer - Assurance no penalties or credit reporting issues occurred - Improved servicing transparency going forward

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Bank of America denied multiple fraud claims involving gift card purchases made under coercive third-party fraud. Although Bank of America acknowledged that the dispute involved a third party, it improperly shifted responsibility to the consumer and advised contacting the merchant. 

Gift cards can not be returned, refunded, or recovered once compromised. I did not receive, retain, or benefit from any goods or services, and control of funds was lost immediately. 

Bank of America initially requested impossible merchant-return documentation for gift card fraud, then issued boilerplate denial letters dated XX/XX/year>, XX/XX/year>, and XX/XX/year>. 

This reflects misclassification of fraud, procedural failure, and improper application of dispute standards.

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 2026-01-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding inconsistent, misleading, and contradictory settlement information provided by Capital One representatives, including a supervisor.

I received a written settlement offer by email from Capital One stating that my account could be settled if accepted by the stated deadline. During multiple phone calls, I was advised that once the settlement is accepted, the first payment is due 13 days after acceptance. 
However, during a subsequent call, a supervisor contradicted these terms and stated that I must make an immediate payment before the 13-day period because the account is close to charge-off. This directly conflicts with what I was previously told and with the settlement terms as explained to me. 
Additionally : I was told the settlement offer expired on XX/XX/XXXX, while the email I received states a different deadline. 
The supervisor selectively read settlement terms but omitted the 13-day payment provision that had been explained by prior representatives.

I was pressured to make a payment outside the agreed settlement structure. 
When I attempted to clarify the conflicting information, the supervisor ended the call abruptly. 
As a consumer, I am being asked to accept a settlement without clear, consistent, or reliable terms, and to make payments that do not align with what was represented to me. This has caused confusion and prevented me from safely proceeding with the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
XXXX account. I tried to send money on the XXXX of XXXX for XXXX through my XXXX  account, and they said I couldn't because I didn't have enough funds. I just received my Social Security check on the XXXX so I had more than enough. They made me add a credit card so they could charge me XXXX percent. I believe they did it just so they could make money! 
XXXX makes it really hard to contact them. No rep except an AI assist and no place on website to file a complaint. 

Can you help? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i have a notification placed on my credit card whenever any charges are made. A fraudulent charge from XXXX  XXXX came and I notified bank of america on that same day of XX/XX/XXXX. I spoke to XXXX who was unable to help but provided me with a supervisor. the supervisor assured me that it would be under investigation and that it would not appear on my bill. We cancelled that card and a new one was issued. 
A new bill was generated and the charge was automatically added to my new credit card. I spoke to XXXX, on XX/XX/XXXX and she informed that when XXXX card is cancelled, the new card becomes virtual and therefore the same charge will continue on the new card. She insinuated that since I had a XXXX acct I must have made the charges which I did not at no time. I did not authorize this charge of {$9.00} at no time and I am having issues with Bank of America not viewing it as fruadulent as I requested. 
thanks for help regarding this matter as I am needing some assistance in this matter, and at this point, this is my only resolve. 

see corresponding document that shows they added the charge of XXXX to my new card ending in # XXXX from old acct ending in XXXX. 

Second document shows where they supposedly credited my old acct ending in XXXX. They never notified me that investigation was even started and or finished. 



Sincerely, XXXX 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 monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I financed a solar electric system through XXXX. XXXX was purchased by Regions Bank. They have a horrible website to manage loan repayment, and have actively managed to somehow make it worse. 

In XX/XX/XXXX they redesigned the website, and removed functionality. Previously, the website allowed borrowers to set a monthly recurring payment to any amount. With the site redesign, they removed this ability and now only allow recurring payments for the minimum payment. 

This effectively forces borrowers to pay more in interest on the loan, by making it more difficult to pay off the loan. 

I reached out via their contact form on the website asking how to increase my payment amount above the minimum. Several days later on XX/XX/XXXX, I received an email reply saying that they could not help me via email, and to call their customer support line. I called their support line, and was promptly informed that " due to higher call volumes, my wait time XXXX be extended ''. They have never not had this recording, so they have consistently high call volumes, but do nothing to alleviate that through hiring sufficient staff, or addressing the issues that force people to call. After waiting on hold for XXXX minutes, my call was disconnected. I called back, and after another XXXX minutes was connected to an agent. 

The agent informed me that they removed the functionality to change the amount paid in recurring payments in their XXXX site redesign. I asked to speak with a supervisor. The supervisor informed me that this was concious decision, and they do not intend to revert to the previous functionality or to bring this feature back. Their website will only allow the minimum payment amount to be set.

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 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: KY

Complaint narrative:
Due to the changes made to the XXXX ( XXXX ) program from the current administration & court actions against the XXXX XXXX XXXX - my loans have been in limbo since about XX/XX/XXXX. I have made multiple attempts to contact both MOHELA & XXXX XXXX XXXX. The first complaint to MOHELA yielded a response & they directed me to XXXX XXXX XXXX. Complaints to XXXX XXXX XXXX have yielded responses every time- and they say I have to contact MOHELA. 

I have applied XXXX  times to have my account moved out of the XXXX program to another XXXX approved XXXX plan - and they still have my loans in forbearance and have not given me a payment OR credit towards forgiveness. To date, MOHELA & XXXX XXXX XXXX have my total months of service credit at XXXX, even though XXXX XXXX XXXX has approved XXXX XXXX of service. In addition, I have not received credit for my months of service towards payment because of being put in forbearance. This yields ( by my count ) an addition XXXX months of service credit. Which means that I should be reaching my XXXX month requirements for my XXXX XXXX XXXX loans in XXXX months ( XX/XX/XXXX ). And my XXXX XXXX loans should be at XXXX  months of service credit, with an end date of XXXX of XXXX. Currently the count is at XXXX & XXXX respectively. 

( Background ) Initially, back in XXXX, I was put into the XXXX program without my consent. I did not sign up for it, I was in a regular IDR and my payment was going to be {$78.00} a month. Then it was no payment, but I was still getting credit towards XXXX forgiveness ( I have a cumulative XXXX  years in government to date ). I tried to change it- but the system kept pushing the XXXX XXXX & every time I tried- it said " this is the best plan for your situation ''.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Robinhood XXXX Credit Card has charged interest on my card even though I made the full Previous Balance payment on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I had someone open account in my name and charge a balance. I tried paying the balance and closing the accounts after 2 hours on the phone and on hold being told I need to come to their office which is physically impossible as im in another state. Then they said jump through other hoops which again was impossible for me. So I asked him directly if he is refusing allowing me to pay off all balances and close the accounts and he said yes. That is when I said im going to report them. This was with rbfcu bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: KY

Complaint narrative:
My home loan was with XXXX XXXX for multiple years. I tried to pay our XX/XX/XXXX payment in XX/XX/XXXX and was unable to log in to our account. I have called both XXXX XXXX and Rocket mortgage and waited on hold with both companies and when I speak to a representative, they are unable to take payment at this time. The latest time I have tried to pay is XXXX XX/XX/XXXX. From my research Rocket mortgage has bought XXXX XXXX but there is no way to make a payment. I have not missed a mortgage payment in the 15 years I have had one and find this very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I am disputing an escrow analysis dated XX/XX/year> for my mortgage loan. 

The escrow statement contains multiple material errors that resulted in an incorrect escrow shortage of {$5200.00} and an unjustified increase in my monthly payment. 

First, the escrow history shows duplicate and conflicting transaction entries for the same months ( XXXX 2025 ) with different balances and disbursement amounts, resulting in inaccurate escrow totals. 

Second, the analysis includes {$5300.00} in forced-placed insurance charges while I maintained continuous homeowners insurance coverage. I am uploading my insurance declarations page as proof of active coverage during the period in question. Forced-placed insurance should not have been applied. 

Third, the escrow shortage calculation does not mathematically reconcile. The projected minimum balance, required minimum balance, and stated shortage are inconsistent. 

Finally, even after increasing my payment, the projected escrow balance goes negative, indicating the analysis is inaccurate. 

These errors caused my monthly payment to increase from {$5300.00} to {$6300.00} based on incorrect escrow data.

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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Account Number : [ XXXX  XXXX ] ________________________________________ To Whom It May Concern, I am writing to formally request that Portfolio Recovery Associates , LLC cease and desist all communication with me regarding the above-referenced account. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that you immediately stop all communication with me, including but not limited to phone calls, letters, emails, text messages, or contact through third parties.

You are permitted only to : 1. Confirm in writing that you will comply with this request, or 2. Notify me in writing of any specific legal action you intend to take. 
Any continued contact from your company after receipt of this notice, other than as permitted by law, will constitute a violation of the FDCPA and will be documented accordingly. 
This letter is not an acknowledgment of any debt, nor is it a promise to pay. I expressly reserve all rights. 
Please govern yourselves accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 2026-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Halsted Financial Services, LLC.
State: NY

Complaint narrative:
I am filing this complaint regarding XXXX XXXX, LLCs failure to comply with New York XXXX debt collection law after receiving my written dispute. 

XXXX XXXX admits in its CFPB response that it received my written dispute, ceased collection activity, and forwarded the dispute to its client, XXXX XXXX, XXXX. However, under XXXX XXXX XXXX XXXX and XXXX debt collection rules, once a written dispute is received, a debt collector must, within XXXX days, either ( XXXX ) provide substantiation of the debt directly to the consumer, or ( XXXX ) issue a written Notice of Unverified Debt stating that the debt can not be verified and that collection will not continue. 

XXXX XXXX did neither. 

Forwarding a dispute to a creditor or closing an account does not satisfy XXXX XXXX, which imposes a non-delegable duty on the collector to respond directly to the consumer. XXXX XXXX response confirms that it attempted to collect a debt without first validating it and then closed the account without providing the legally required consumer notice. 

This failure deprived me of my statutory rights and contributed to ongoing confusion caused by sequential placement of the same disputed account with multiple XXXX. 

I request that the CFPB XXXX XXXX XXXX compliance with XXXX debt collection law and require confirmation of whether a Notice of Unverified Debt was ever issued. If not, I request appropriate corrective action and confirmation of compliance. 

Additionally, XXXX XXXX had multiple available mechanisms to comply with its legal obligations. The CFPB complaint portal expressly allows companies to upload supporting documentation. If XXXX XXXX possessed validation or was able to obtain it, it could have provided such documentation directly to me or uploaded it through the CFPB process. 

Instead, XXXX XXXX acknowledges that it did not validate the debt and did not issue a Notice of XXXX XXXX. The availability of these compliance channels demonstrates that XXXX XXXX had the ability to comply with its statutory obligations, yet failed to provide either required consumer notice. 

To be clear, although XXXX XXXX remains within the XXXX statutory period ( today is XX/XX/year> ), its written response fails to demonstrate compliance with XXXX XXXX XXXX XXXX and does not state whether Credit Control will provide XXXX XXXX the debt or issue a Notice of Unverified Debt as required. Forwarding the dispute to its client does not satisfy XXXX law, which requires direct written notice to the consumer.

Company response to consumer: Closed with explanation