vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CL Holdings LLC
State: GA

Complaint narrative:
This card was charged off after a payment agreement was made. I wasnt aware that this card was sole to another collection company. Its gendering my credit while rebuilding it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: VA

Complaint narrative:
I had 2 business credit card accounts and 1 personal credit card account with Elan XXXX. I paid off 1 business card and actively paying off the other business card. I was using and paying my personal card off and they closed my account and I called to find out what was going on and customer service couldn't help me and told me I needed to speak with a verification department. I called them 3 times in which I was on hold for 40 minutes and when I finally spoke to someone I had been on hold for 1 hour. I was then informed my accounts were closed due to risk and to wait for a letter in the mail. I've never been late nor had any indication there was a problem with my account. I received the letter and it stated my account was closed due to fraud or possible fraud. I have the letters that were sent and happy to provide them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
A complaint is hereby filed regarding the execution of eight ( 8 ) unauthorized international transfers carried out in XXXX, totaling USD XXXX, processed through Agent Branch XXXX ( XXXX XXXX XXXX ) and destined for XXXX. These transactions were processed through identity theftwithout the physical presence of the account holder or the signing of the mandatory remittance formsthereby demonstrating a critical failure in the company 's identity validation ( XXXX ) protocols. The transaction pattern reveals a lack of due diligence regarding fraud control and anti-money laundering measures, as the company permitted five ( 5 ) remittances of exactly USD XXXX on consecutive days to the same beneficiaries, along with three ( 3 ) additional remittancestotaling eight ( 8 ) transactions in all. This constitutes a clear indicator of " structuring, '' which should have been flagged and blocked by the company 's compliance systems. Following the submission of a prior complaint ( Reference XXXX ), the company issued a formal response on XX/XX/XXXX, asserting that the relevant records were no longer available due to the passage of time ( more than 10 years ). However, physical evidence has since been obtained in the form of an official report generated by the company 's own internal system, bearing a print date of XX/XX/XXXX. This document contains full details regarding all eight Money Transfer Control Numbers ( MTCNs ), amounts, and beneficiaries, thereby demonstrating that the digital information remains fully accessible and that the company 's previous response was misleading. The company 's refusal to conduct a genuine investigationcoupled with the contradictory statements regarding the availability of its recordsconstitutes an unfair business practice toward the consumer. Furthermore, the facts of the casealong with the evidence of operational negligencehave been brought to the attention of the XXXX XXXX XXXX XXXX in XXXX, Colorado, given the severity of the security breach and the lack of transparency demonstrated throughout the dispute resolution process. " I formally request the application of the 'Discovery Rule ' and the doctrine of 'Fraudulent Concealment ' regarding any statutes of limitation. The prescription period must be tolled because Western Union intentionally provided misleading information to this Bureau on XX/XX/XXXX, by claiming records were purged, whereas EXHIBIT B ( printed XX/XX/XXXX ) proves the data remains accessible. This deliberate obstruction of evidence, combined with the ongoing criminal investigation at the XXXX XXXX XXXX XXXX, confirms that the company 's liability is active and enforceable. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: MO

Complaint narrative:
I am filing a complaint about my mortgage servicers handling of insurance claim funds for repairs to my home. My homeowners insurance company issued claim payments, but because the mortgage company is listed on the check, the funds have been held up for approximately three months instead of being released promptly for repairs. I submitted the required paperwork and have followed up repeatedly during this process. Each time, I have been told something different was still needed, that documents were under review, or that items had not been received even after they were already sent. This has created a long delay and a constantly shifting process with no clear resolution. Because the mortgage company has not released the insurance proceeds in a timely manner, my contractor has been delayed, repairs have been pushed back, and my living situation has been directly affected. The delay has impacted major interior work, including flooring and kitchen-related repairs, and has made it difficult to keep my contractor scheduled and the project moving forward. My insurance company is also limiting how long it will continue paying for my temporary XXXX housing, which means I now have less than 60 days to get this work completed and move back into my home. Even with that deadline, the mortgage company is still not releasing the funds needed to complete the repairs. Their delays are now putting me at risk of losing temporary housing support before my home is ready. I have made repeated calls and follow-ups to try to resolve this, but the funds still have not been released as expected. I am requesting that the mortgage company promptly review and release the insurance repair funds, provide a clear written explanation of exactly what is still required, and address the repeated delays and inconsistent communication that have now stretched to three months.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX {$740.00} XXXX XXXX Both accounts from collection agency LVNV Funding LLC reporting in accurate both accounts should of been removed..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
Mortgage company increased Mortgage payment amount in XXXX of XXXX do to escrow balance being low. payment was made for original payment amount, not the increased amount. In XXXX when I realized my mistake, I cut an additional check for the increased amount plus the late fee to make XXXX payment whole. The same was done in XXXX because XXXX 's payment had already been sent. The mortgage company did not apply the the supplemental payment check to my acct balance, but instead applied them as an additional principal payment. After 4 months of phone call and verbal confirmations that it is being reapplied, they now tell me that there is nothing they can do to fix there mis-application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TN

Complaint narrative:
In XX/XX/year> i moved to XXXX ar for college in XXXX. I applied for XXXX XXXX apartment. As i was renting an apartment first time so they said i need co-signer. In this scenario i was supposed to pay one month rent in deposit and one month as regular rent which i agreed and they made me sign the lease. Then they came back to me and said i got declined for the apartment and now i have to pay 6 months of rent in deposit plus this month whole rent, which i couldn't afford at all and i refused to take that offer. Month later they started calling me i have to pay {$300.00} for lease transfer which they get it signed in bad faith and they were the one who declined my profile. 2 months later they put whole year and a half lease for collection stating i owe them over {$8000.00}. I disputed this with credit bureaus. It got removed from all of them. But after few months they reduced the amount and reinserted the collection without any notice. Trying to talking to the collectors is Horrible. They threatened me on the call. Dont listen my side of the story, and they are always aggressive and abusive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
I disputed this charge, and the agency must investigate. They have and can not verify the debt with proper documentation in years. Additionally, they have called my family members about this debt in the past though they are not listed on the loan. Therefore, the credit bureau must remove the item from your report or they are in direct violation of my rights under the fair debt collection practices act, by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). Due to this, I ask that this information be formally removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this escalation because Rocket Mortgage has repeatedly refused to accept valid occupancy verification documents for my primary residence at XXXX XXXX XXXX, XXXX XXXX, CA XXXX, despite the fact that the documents I provided clearly demonstrate ongoing, established occupancy. Rocket Mortgages document team has limited acceptable occupancy evidence to only an internet, cable, or phone bill dated prior to my loan application. This restriction is not part of XXXX XXXX published guidelines and has resulted in my file being stalled without a fair underwriting review. Below is a summary of the documents I submitted, all of which directly tie me to the property : * * Gas Bill * * Lists my name and the property address ( SERVICE FOR XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX ). * * Paystub * * Shows my updated residential address at XXXX XXXX XXXX. * * XXXX Record * * Confirms my residential address ( RES ADD : XXXX XXXX XXXX, XXXX XXXX ). * * XXXX XXXX Account * * Lists me as a coaccount holder ( PRIMARY ACCOUNT OWNER : XXXX XXXX XXXX XXXX XXXX ). * * Homeowners Insurance Declaration * * Indicates owneroccupied status ( Is the insured dwelling your only primary residence? Yes ). * * Property Tax Mail * * Delivered to me at the property address. These documents collectively demonstrate continuous, verifiable occupancy. Rocket Mortgage has not provided any written explanation as to why these documents are being rejected, nor have they cited any investor guideline prohibiting their use. Instead, I have received repeated scripted responses from the document review team stating that only an internet, cable, or phone bill will be accepted. This is not a XXXX XXXX requirement, and Rocket Mortgage has refused to escalate my file to underwriting for an actual review. * * Requested Resolution * * I respectfully request : 1. A written explanation of Rocket Mortgages basis for rejecting the above documents. 2. Confirmation of whether Rocket Mortgage is applying an internal policy that is more restrictive than XXXX XXXX published occupancy documentation standards. 3. Immediate escalation of my file to underwriting for a fair review of the documents I submitted. 4. Assurance that my application will be evaluated based on investor guidelines, not arbitrary internal limitations. I have acted in good faith and provided multiple forms of legitimate occupancy evidence. I am requesting transparency, fairness, and an underwriting review consistent with standard lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I had a recommendation from XXXX XXXX about this Indigo Mastercard. The advertisement that Indigo ( Concora Credit ) had touted a " large '' credit limit, which is the only reason I applied for it. I was approved instantly, but no terms were given. I didn't know the amount or fees associated with it. When I finally received the card with limit and fees information ( that should've been given during the time of the application ), I called them and told them I didn't want the card and that they should give people the information up front so that people can make informed decisions about whether or not to apply. I would not have applied if I knew it would be a {$500.00} card with a {$120.00} annual fee. I never activated the card, and it showed up on my credit report. When I spoke with them, they told me they would take care of it. Then, they closed the account that should have never been opened with deceptive practices and it now looks like I closed an account, dropping my credit score. The rep I talked to said this information was given to me on the phone and it was NOT given to me. I have requested that they remove this account altogether on my credit bureau report, and they said they refuse to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding the wrongful denial of a trip cancellation insurance claim under my Chase Sapphire Reserve credit card, processed by XXXX XXXX XXXX. BACKGROUND : I was scheduled to travel to XXXX XXXX, XXXX, XXXX in XX/XX/XXXX. My trip was cancelled due to the coordinated violent campaign carried out by the XXXX XXXX XXXX XXXX XXXX ( XXXX ) in XXXX, which involved XXXX, XXXXXXXX XXXX XXXX, and at least XXXX deaths. The U.S. Embassy issued a shelter-in-place order for American citizens in XXXX during this period XXXX My airline cancelled flights serving XXXX XXXX as a direct result of these events. THE DENIAL : XXXX denied my claim, characterizing the events as " civil unrest and criminal activity '' rather than a " XXXX incident '' as defined in the policy. However, the Chase Sapphire Reserve Guide to Benefits does not define the term " XXXX incident '' anywhere in the policy. WHY THE DENIAL IS WRONGFUL : XXXX was formally designated a XXXX XXXX XXXX XXXX XXXX XXXX by the U.S. Department of State on XX/XX/XXXX ( Federal Register, 8 U.S.C. 1189 ). Acts carried out by a U.S.-designated XXXX are XXXX acts by definition. The policy 's use of the term " XXXX incident '' is undefined. Under the doctrine of contra proferentem ( California Civil Code 1654 ), ambiguous policy terms must be interpreted in favor of the insured. XXXX applied its own post-hoc, self-serving definition to deny my claim. The U.S. Treasury Department explicitly calls XXXX a " brutally violent XXXX XXXX '' in official press releases. XXXX 's classification of XXXX 's coordinated campaign as mere " civil unrest '' directly contradicts the U.S. government 's own characterization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Hidden Meadow Lending
State: TN

Complaint narrative:
On XX/XX/year> I signed a loan agreement with Hidden Meadow Lending for {$200.00} at a 767.34 % APR ( Loan # redacted ). The same day I submitted a written cancellation request via email to XXXX within the 24-hour cancellation window explicitly outlined in the loan agreement. The agreement states that written notice by email is sufficient to cancel. The company acknowledged receipt of my cancellation email but responded only with automated replies instructing me to call them. The loan agreement does not require a phone call to process a cancellation. I sent multiple follow-up emails reiterating my cancellation request and quoting the agreements cancellation clause directly. The company has continued to send generic responses refusing to confirm the cancellation in writing. Additionally, the company has called me repeatedly from multiple phone numbers after I explicitly requested in writing that all communication be handled via email only. These repeated calls after written notice to stop may constitute harassment under the Telephone Consumer Protection Act ( TCPA ). The {$200.00} loan proceeds were deposited into my bank account on XX/XX/year>. Per the loan agreement, I have authorized the company to debit the {$200.00} principal back to complete the cancellation. As of today XX/XX/year> the company has not confirmed cancellation, has not debited the funds back, and continues to call me. I am requesting the CFPB compel Hidden Meadow Lending to honor the cancellation clause in their own agreement and cease unsolicited phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an account that is currently being reported on my credit report by your company. This account is not mine, and I do not recognize or have any responsibility for it. This account appears to have been previously reported by another collection agency and was removed from my credit report. I am unsure why it was deleted at that time ; however, it has now been reinserted by your company without any proper notification or verification. I did not receive any notice of reinsertion as required under the Fair Credit Reporting Act ( FCRA ). Additionally, I have reason to believe this account may be the result of identity theft, and I have already filed a report with the Federal Trade Commission ( FTC ). Because this account is inaccurate and does not belong to me, I am requesting the following : Immediate deletion of this account from all credit reporting agencies Verification of how this account was obtained and validated before being reported Documentation supporting your claim that this account belongs to me Compliance with all FCRA requirements regarding reinsertion of previously deleted accounts Failure to properly investigate and remove this inaccurate account may result in further legal action. I expect this matter to be resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I went to XXXX in XXXX on XXXX on XX/XX/XXXX for car payment approval for XXXX XXXX. They told me I didn't have any credit, I was supposed to pay for that car XXXX and then trade it. they did not give me a contract, they falsely sell me a car for {$54000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Multiple accounts opened underneath my name and tried to get it cleared but no banks will let me open an account, tried Arvest bank, XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Action Collection Agencies, Inc.
State: RI

Complaint narrative:
On XX/XX/XXXX, I submitted a formal request for a debt validation letter to Action Collection Agency in XXXX regarding an alleged medical debt from XXXX XXXX. As of XX/XX/year>, more than XXXX days have passed, and the agency has failed to provide any documentation to validate the debt. On XX/XX/year>, I contacted the agency via telephone to inquire about the status of my request. During this call, the representative explicitly stated that they do not have the information required to validate the debt and claimed that " getting that info takes time. '' Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a collector must cease all collection activity until validation is provided. The agency 's XXXX delaycombined with their verbal admission that they lack the necessary recordsindicates they are attempting to collect a debt they can not substantiate. Furthermore, I am concerned about the potential for this unverified debt to be furnished to credit reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation