vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I have repeatedly contacted my mortgage servicer regarding force-placed insurance that should have been removed after I provided proof of my own homeowners insurance. Despite multiple calls and providing documentation, the force-placed insurance remains on my account, and my mortgage payments are being overcharged. 

Timeline of Events : XX/XX/XXXX : Called to ask why my mortgage payment increased by over {$900.00} and requested a breakdown. Asked for information about the force-placed insurance ( company, policy number, effective date ). This information was not provided. Gave proof of my personally chosen insurance, effective XX/XX/XXXX. 

XX/XX/XXXX : Called again to confirm my new insurance was in place. Confirmation was given by the representative. Requested an escrow analysis. Force-placed insurance information was still not provided. 

XX/XX/XXXX : Called to ask again about the force-placed insurance. It was still included in my mortgage statement, increasing my payment by over {$100.00} due to a new escrow analysis. Requested cancellation again. Was instructed to call back in three days and given a different mailing address than the official XXXX address. Filed a formal complaint via XXXX XXXX. 

XX/XX/XXXX : Received an email stating force-placed insurance would remain in effect until XX/XX/XXXX. 

XX/XX/XXXX : Called to inform representative of the email. Representative claimed to be unaware. Only solution offered was another escrow analysis. No record of prior requests was noted. Asked for written confirmation of cancellation; was told emails are against company policy and to call back XX/XX/XXXX. Noted a refund on XX/XX/XXXX, before my personally chosen insurance was even in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX XXXX wells fargo sent messages to my bank account one said suspicious activity on your account 2nd message said your card was declined. At XXXX XXXX  XX/XX/XXXX wells fargo emailed me that my card was declined I looked at my account and saw {$490.00} dollar charge that was returned then another {$490.00} dollar charge it was returned, then another charge for {$490.00}, I called wells fargo and said I did not make this charge they closed my card and started fraud investigation. There result was i had the card the pin number was not with card no more charges, and my new card was activated. So my claim was denied????. The two messages they sent to my wells fargo app they erased the one about about suspicious activity they also erased XXXX the phone number they gave is for XXXX.which I could not reach anyone unless I had a XXXX  account which I do not have. The charge was to XXXX XXXXXXXX XXXX, when calling number it said XXXX weeks later it is now XXXX XXXX.this is all suspicious activity. I did not make this charge or authorize it i want my {$490.00} dollars back.i am scared I have no protection from wells fargo it's obvious this was a fraudulent act but they say it was OK wheres my protection?

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 2026-01-08 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: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I recieved a card from company called " Avant '' I did not order this card. 
When I contacted the company a rep in XXXX sent me an email link that installed an invasive software app. 
I used XXXXXXXX XXXX to remove the malicious app. 
The phone rep gave me false information on how to contact their management and legal department. They eventually hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: NJ

Complaint narrative:
Good day. I can not emphasize enough how utterly frustrating and debilitating this situation is. You wake up one day to discover a debt you know nothing aboutunverified and completely unrelated to youfollowed by relentless harassment across multiple communication platforms using various tactics. I never imagined starting my day with threats of legal action. As a law-abiding citizen, this is deeply insulting, with my consumer rights being blatantly violated. It's severely impacting my mental health, leaving me with sleepless nights for days on end.

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 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Hello, I am a victim of Identity theft and this company is attempting to collect a debt that is a result of that identity theft. I have no knowledge on this account including the opening of this account. Please, tell them to stop reporting this collection account to my credit report and conduct a thorough investigation as to the nature of this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: U.S. BANCORP
State: VA

Complaint narrative:
I am submitting this follow-up regarding my ongoing complaint about wrongful foreclosure and procedural errors with US Bank .

I have been actively submitting Mortgage Assistance Program ( MAP ) / loss-mitigation applications since XX/XX/XXXX. 

On XX/XX/XXXX, I submitted another MAP application per the explicit instructions of US Bank. 

Despite my active participation, my home was wrongfully placed into foreclosure, and I never received any foreclosure notice, notice of default, or notice of sale. 

As a result, multiple realtors entered my property without permission, leaving notes, and one exterior door was forced open, despite posted No Trespassing signs.

I reported the unauthorized entry and property damage to the XXXX XXXX XXXX XXXX. 

The foreclosure sale is scheduled for XX/XX/XXXX, and I am requesting that the CFPB ensure my complaint remains active and documented, as these actions constitute dual-tracking, wrongful foreclosure, and trespass, causing immediate and ongoing harm.

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 2026-01-08 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have put in a few disputes as I never received these services. I provided uploaded documentation as requested by Navy Federal Credit Union. 
However, all of these requests were closed and I got an email for each saying that you requested these to be closed. I have not requested these to be closed, and instead, I would like these disputes to actually be disputed as I have not seen any movement. 
If you can please assist in continuing these disputes, this would be appreciated. 

XX/XX/2025 XXXX XXXX {$1000.00} XX/XX/2025 XXXX XXXX - {$1000.00} XX/XX/2025 XXXX XXXX - {$1000.00} XX/XX/2025 XXXX XXXX - {$1000.00} XX/XX/2XXXX XXXX XXXX XXXX {$1000.00} XX/XX/2025 XXXX XXXX XXXXXXXX - {$1000.00} I have called Navy and also submitted secure emails through my Navy account.

The Systems/Surethrift technologies disputes were supposed to provide a land-based value service for properties in my area and give me robust reports. They failed to provide those services. The XXXX XXXX XXXXXXXX is a similar service through that company but it was not provided. 
Again, please continue to do the dispute process for these billing issues and I do not want them closed nor did I request that. 

I included this with each dispute. Navy FCU just responds and sends me a canned response that XXXX requires " certain information '' which I have provided both that i didnt receive the service and what it was and i sent them invoice copies.

If Navy reaches out to the companies, and they need more information, that's fine i can provide it but Navy is refusing to actually follow the process for billing disputes in refusing to do open the disputes and actually process them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: AZ

Complaint narrative:
I signed up for XXXX XXXX XXXX in XXXX of XXXX. I have had braces before and lost my retainers somewhere in the 20 years after I got them off. I signed up for the XXXX XXXX XXXX to fix a minor issue with my teeth. The main selling point was their " Lifetime Smile Back Guarantee '' promising free touch-ups or a refund if customers weren't satisfied with their results. Knowing I had no problem wearing my retainers when I had braces, I thought this was a great program since I would easily abide by the requirement of regular retainer use and registration. 

I received my retainers, registered them, and started using them as soon as they came in. 
The company announced bankruptcy and shut down in late XXXX. I was not finished with my retainer program by then and the entire guarantee I signed up for was now void. 

I initially signed up for the payment plan option which I made all payments in a timely manner until the bankruptcy as I wasn't sure what the answer would be for all the customers of the company. When there was no action taken to solve our disputes, I turned off my auto pay. I wrote an email to gohfd.com the initial company aiming to take over the payment plans asking for a copy of my contract saying I had to keep paying even though the contract was now void. They responded back stating, they could not send any information as they did not receive the contracts from XXXX, just the payment info. 

I have now been dinged for a collections account on my credit report from Tel Collect. This is absolutely NOT fair since I should not be responsible to pay for a service that was not offered in its entirety. I searched this issue on the internet and it seems like there are thousands of consumers in this exact same predicament. XXXX XXXX XXXX Please help me get this fraud off my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CA

Complaint narrative:
They're not removing the student loans from my credit report that are clearly not mine because they're claiming I've made payments on these loans. 

I want to see proof of payment because I guarantee you, it will not have any of my bank account information, as I have never made a payment on these loans. 

I have never made payments on these loans. Someone who stole my identity is clearly making sure I can never get rid of these loans that are very clearly not mine. They're also claiming I applied for a repayment plan, which I have never done. I don't even know how to do that. Someone who stole my identity must have done this. It's been made very clear to me that they don't understand what identity theft means. I'm never paying these loans, they're not mine. If these are not taken off my credit report, then I will have to escalate this issue and get legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Prior to the maturity of the CD Wells Fargo was contacted and instructed to not renew the CD however in XX/XX/year> Wells Fargo renewed the cd, Wells Fargo was contacted in XXXX regarding the issue and requests were made to liquidate the cd. Wells Fargo is refusing to liquidate the cd and refused to not renew the CD. The customer is employed by the us government overseas and has no access to a Wells Fargo branch. They keep saying I have to go a branch and that is not a option. I have to tried to call branches and I can not get anyone at the branches to answer. I tried to call two branches today and I called the military banking branch In XXXX XXXX XXXX, when they pulled up my account and they seen the response from executive escalations and they said it doesn't make any sense to them, they are aware I'm in XXXX and there's no Wells Fargo branch here. When I requested to speak to the case manger I was given a foreign phone number. This was with a country code of XXXX. That leads me to believe Wells Fargo has outsourced all of the executive relations to a call center in the 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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
They continue to harass me repeatedly before XXXX and after XXXX waking up my XXXX XXXX  from her sleep I just really want this to stop immediately theyve been constantly does this for years. 
The law 15usc 1692c states that they shouldnt be able to do that at all. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XX/XX/XXXX : I subscribed to services with XXXX XXXX XXXX for $ XXXX using Chase Credit card ending in XXXX. In XX/XX/XXXX : discovered company may be a scam. I took the following steps : XXXX. Wrote the company requesting immediate discontinuation of services and to stop charging my card. 
XXXX. Deleted my credit card information from the merchants website and took a screenshot of the effort. 
XXXX. I notified Chase to prevent any further charges from this merchant ; Chase acknowledged receipt in writing. I checked my XX/XX/XXXX statement, and no charges were posted then. On XX/XX/XXXX, I reviewed the yearly activity of the account on the Chase website and found {$1500.00} paid to this merchant after XX/XX/XXXX. I contacted Chase, and they stated they could only reverse charges within XXXX days and claimed this was not fraudulent. I requested they shut my card down to prevent future access to merchant. I request full reversal of all post-XXXX XXXXXXXX charges, as these were unauthorized recurring charges despite my cancellation and Chases acknowledgment, there was no authorization to ever charge {$190.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am reporting a pattern of deceptive stalling tactics and poor service by American Express regarding XXXX gift card orders placed on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Despite multiple calls on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was repeatedly told I had to wait until XX/XX/XXXX for any update. XXXX order was finally refunded, but I had to fight separately for the second. This stalling caused extreme frustration and a month-long delay in accessing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: Nelnet, Inc.
State: CA

Complaint narrative:
I am unable to access my student loan account with Nelnet. Phone representatives repeatedly redirect me online, but the website rejects my verified personal information. This has prevented me from managing my loan, making payments, or confirming my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
They violated my rights by not doing a complete and fair investigation on this matter. I explained to the agent that this situation was happening to a lot of people, the situation is all over the Internet about how this company has been canceling our tickets and accounts and not refunding the money back. I provided a significant amount of proof that shows that I paid for everything and had also explained to the agent that I provided all that I could to show as much proof as possible, but with the investigation that I dont believe happened I dont think this company did it properly. I made the dispute on XX/XX/year> and received a resolution on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Navy Federal Credit Union To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter serves as a formal request for validation of this debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Please provide the following documentation to substantiate this debt : XXXX. The total amount of the alleged debt, including an itemized breakdown of principal, interest, fees, and any other charges. 
XXXX. The name and address of the original creditor. 
XXXX. Copies of any agreement, contract, or promissory note bearing my signature that establishes my legal obligation to pay this debt. 
XXXX. Documentation showing that Navy Federal Credit Union has the legal authority to collect this debt. 
XXXX. Proof that the debt is valid, accurate, and enforceable under applicable state and federal laws. 
Until such validation is provided, you must cease all collection activities, including reporting or continuing to report this account to any consumer reporting agency. Reporting unverified information may constitute violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
This letter is not an acknowledgment of liability, nor is it a promise to pay. 
Please provide the requested documentation in writing within the time allowed by law. 
Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Hello, I am a victim of Identity theft and this company is attempting to collect a debt that is a result of that identity theft. I have no knowledge on this account including the opening of this account. Please, tell them to stop reporting this collection account to my credit report and conduct a thorough investigation as to the nature of this account. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 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: WA

Complaint narrative:
Alright so here is the situation. We had our car reposessed on XX/XX/XXXX. We ended up paying the balance in full ( {$6300.00} ) on XX/XX/XXXX and we picked the jeep up on XX/XX/XXXX. We were told that we would get the lien release and title in about XXXX weeks. I called in mid XXXX and let them know we never got it, they confirmed they made a mistake and sent it to the wrong address even though we confirmed more than a dozen times the right address. They said they were emailing me a copy of the lien release and i confirmed the correct email address. I never received that and called again the next week. They apologized and said they escalated it and are overnighting the lien release and a copy of the title to our address and the correct one was given. It never came. I went to the XXXX and they said that I have to have a certified copy of the lien release at a minimum to get everything updated. I called again in mid XXXX to no avail again and being promised it would be overnighted. I called last week and said this is the last chance before I make a formal complaint to the attorney general of XXXX  state. They swore it was being overnighted again and I told them I would give them until wednesday of this week to send it. It still did not come. This is all with XXXX XXXX  and I need to get all of this updated, have the lien release and my title cleared so that I can get my tabs renewed and update the names on the title as they are not correct.

Company response to consumer: Closed with explanation