vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 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: Rocket Mortgage, LLC
State: MA

Complaint narrative:
On XX/XX/year>, the servicer processed a payoff transaction on the above-referenced loan, including a principal payoff of approximately {$350000.00} and a principal adjustment of {$35000.00}, resulting in a cancellation of debt as reflected in a Form 1099-C issued for that same date. The 1099-C identifies XX/XX/year> as the date of the identifiable event and reflects cancellation of debt associated with the property, with a reported fair market value of approximately {$990000.00} ( see attached Exhibit ). This transaction reflects a disposition of the property and loan balance. However, it was carried out without the knowledge, authorization, or consent of XXXX XXXX ( the borrower/former owner ) or myself, who at all relevant times acted as his Attorney-in-Fact and is now the current owner of the property. At no time did we approve, authorize, or execute any documents permitting a payoff, short sale, or any form of transfer or disposition of the property. In response to prior inquiries, the servicer has denied that a short sale occurred, while simultaneously confirming that the property was sold and that it proceeded without borrower approval. These statements are inconsistent with the documented payoff and debt cancellation transaction reflected in the servicers own records. Additionally, the servicer has previously been provided with documentation confirming my authority, including a valid Power of Attorney and written acknowledgment that I was added as an authorized party on the account. Despite this, the servicer later denied my authorization in response to a prior complaint. As a result, there are serious concerns regarding unauthorized account activity, improper loan servicing, and the validity of the XX/XX/year> transaction. I am requesting a full accounting of this transaction, including all documents, signatures, and authorizations relied upon, and identification of the party who purportedly authorized it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: FREEDOM FINANCIAL NETWORK
State: FL

Complaint narrative:
b'I am a senior living in Florida on a fixed income I fell on hard times during my husbands illness and eventual death in XXXX. I decided to sign on with Freedom debt relief after being promised a "saving grace".\n\nI had XXXX in debt I aggreged to a plan that I would pay XXXX XXXX a month over 20% of my month income for XXXX months to resolve all my debt. After paying for XXXX months XXXX per month totaling XXXX I found out they had only paid approximately XXXX of my debt and my XXXX month plan needed to be extended an additional XXXX year.\n\nThat would total XXXX when my original debt was XXXX, where are the savings i was told i would receive.\n\nI paid them so far a total of XXXX, to date they settled in total XXXX.\nof that they have paid out XXXX.\nleaving my outstanding debt at XXXX.\nPlus 1 creditor that they still have not negotiated with for XXXX.\nLeaving me with a total outstanding debt XXXX.\nWhere did they save me money, how did I benefit from this, how am I going to recover from this.\n\nIt seems that Freedom debt Relief took 33% of my monthly payments before they even began to negotiate.\nWhen they took the funds from my account every month, this is what the transaction note was, \XXXX (XXXX) XXXX XXXX\n\nI was told by Freedom their was XXXX cash in my account after I canceled. a few days later they backdated a transfer of fee XXXX XXXX.\nI feel like I have been taken advantage of. I have paid out XXXX and I am still in major debt.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I received an initial notice from National Recovery Agency regarding a {$150.00} debt originally from The XXXX XXXX XXXX, purchased by XXXX XXXX XXXX XXXX. The notice stated I had until XX/XX/year> to dispute the debt and that collection must stop on any disputed amount until validation is provided. On XX/XX/year> at XXXXXXXX XXXX I sent a formal debt validation request to XXXX the email address NRA explicitly designated for disputes in their notice. I disputed the debt and requested documentation of the original creditor, the age and origin of the debt, proof of my liability, and a complete payment history. I requested that all collection activity cease until validation was provided, as required by the FDCPA. Despite this, on XX/XX/year> at XXXXXXXX XXXX approximately XXXX hours after my dispute I received a collection text message from NRA Group ( short code XXXX ) stating 'We understand that setbacks happen ' and directing me to pay at XXXX or call XXXX. This constitutes continued collection activity after receipt of a timely written dispute, in violation of 15 U.S.C. 1692g ( b ). I have timestamped documentation of both communications : my sent email with XXXX confirmation and a screenshot of the text message. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: FREEDOM FINANCIAL NETWORK
State: MI

Complaint narrative:
I had sent a payoff check from achieve loans to XXXX. XXXX XXXX said they never received it but achieve said it was cashed. When I asked for it to be investigated and a new check cut they denied the check and no other communication about the dispute was followed up on by achieved loans

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . Product : Checking ( Business account ) Issue : Fraud, scams, and unauthorized transactions Sub-issue : Altered check / unauthorized withdrawal I am writing to report a fraud involving a materially altered check drawn on our Chase commercial account for XXXX XXXX XXXX XXXX. Check number XXXX XXXX was issued by XXXX and mailed via XXXX on XX/XX/year>, to a contractor in XXXXXXXX XXXX XXXX in the amount of {$94000.00}. The check was never received by the intended payee. Instead, the check appears to have been intercepted in the mail, altered, and subsequently deposited through XXXX XXXX. The check that was paid by Chase is not the same instrument we issued. Specifically : The payee name is different from the original check The handwriting is inconsistent with the original The overall appearance of the check is materially altered and clearly different We have copies of both the original check and the altered item, which demonstrate these discrepancies ( attached ). On XX/XX/year>, Chase contacted us asking whether we had written a check around {$94000.00}. We responded yes because we had issued check XXXX XXXXXXXX around that amount. However, this was not confirmation that the altered item presented for payment was authorized. We did not authorize any altered or fraudulently negotiated version of this check. We were first made aware of the issue on XX/XX/year>, when the contractor advised that payment had not been received. We immediately contacted Chase Fraud Department and also went to a local branch the same day. We completed and submitted a Declaration of Unauthorized Endorsement or Altered Item which was faxed by the branch to Chase Customer Claims. Despite the clear evidence of fraud and material alteration, Chase has not provided provisional credit, and {$94000.00} remains debited from our account. Under applicable banking rules, a materially altered check is not properly payable, and the bank should not charge the customers account for such an item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is rearranging my transactions to overdraft my account. My paycheck was deposited and made available on Wednesday XX/XX/year> but WF has rearranged the deposit twice resulting in a negative ending balance both Wednesday and Thursday. This practice makes it hard to keep up with whats actually in my account. I plan my bills out with XXXX, but XXXX always left with less due to WF intentionally rearranging my transactions to achieve a negative balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I had XXXX charges of {$70.00} from a sketchy website called XXXX. ( I've provided both invoices marked as paid ) XXXX only offered to refund the second charge, which appears as a deposit on my account and not a charge, since XXXX reversed the charge to a refund. This was charged to my account on XX/XX/XXXX ( I've attached the invoice ). The refund appears on my account on the XXXX ( I've attached the proof of refund ). I reached out to BOA to refund my XX/XX/XXXX charge that I never approved, and they sent me a temporary credit of {$70.00}. XXXX never refunded me that {$70.00}, so I figured I would keep the temporary credit. I have also attached the email from the XXXX support team saying they will only refund me half of the {$140.00}. XX/XX/XXXX, Bank of America took away my credit because they are confusing the XX/XX/XXXX refund for the XX/XX/XXXX charge ( it is not the same charge ). They're claiming I was never charged a second time because it is not in my bank statement. It is not in my bank statement because the charge was reversed and refunded on XX/XX/XXXX ( as shown in my screenshots ). Why is the charge not appearing in my statements? It sounds to me like a fault in their system ( I have provided invoices for both charges ). Their system is so old that they wanted me to mail or fax them the proof of my case, and have no way of sending it over email or electronically. Either their system is so old, or they're gaslighting me and making it so hard for me to get my money back. I can not wait to move my money out of this company ; they are terrible people who obviously do not care about their customers.

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-04-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I sent the following letter to SofXXXX XXXX SoFi / XXXX Attn : Office of the Consumer Advocate / Legal Department XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX RE : Formal Dispute and Restitution Request Account # XXXX Original School : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX To Whom It May Concern, I am writing to formally dispute the validity of the debt previously held and to request a full restitution of {$27000.00}. While this account is currently closed and was paid in full, the underlying debt was used to finance an education at The XXXX XXXX XXXX XXXX, an institution that has been found by the U.S. Department of Education to have engaged in pervasive and widespread substantial misrepresentations. I attended the XXXX XXXX XXXX XXXX from XXXX to XXXX. On XX/XX/XXXX, the XXXX Department of Education announced a {$6.00} XXXX group discharge for students who attended any XXXX XXXX campus between XX/XX/XXXX, and XX/XX/XXXX, due to documented fraud regarding job placement rates and the value of the credentials provided. Please note the following regarding this claim : Fraudulent Inducement : The original private loans I refinanced into SoFi/XXXX were obtained based on the fraudulent claims made by the XXXX XXXX XXXX FTC XXXX XXXX : Under federal law, a borrower maintains the right to assert against the holder of a loan all claims and defenses that the borrower could assert against the original seller. Because the education provided was based on fraud, the debt was never valid. I am requesting that SoFiXXXX review this account under your School Misconduct Discharge protocols ( or equivalent private loan relief programs ). Because the Department of Education has already verified the misconduct for my specific years of attendance, I am seeking a full refund of the {$27000.00} paid toward this fraudulent debt. I have filed a concurrent complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Texas Attorney Generals Office regarding this matter. I look forward to your written response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, XXXX open my case XXXX I am writing to formally dispute the response provided by my mortgage servicer to my complaint. The information submitted by the servicer is inaccurate, incomplete, and does not resolve the issues raised. I currently have an executed loan modification with my servicer dated XX/XX/XXXX. I have remained compliant with the terms of this agreement and have made all required payments. However, due to a servicer error related to escrow calculations, my account was incorrectly placed into delinquency status in XX/XX/XXXX, showing approximately 152 days past due. This delinquency was not caused by any failure on my part. Key issues include : The servicer conducted an escrow analysis on or about XX/XX/XXXX, but issued a letter dated XX/XX/XXXX, reflecting a new payment amount of {$620.00} effective XX/XX/XXXX. I did not receive this notice until XX/XX/XXXX, making it impossible for me to comply timely. My original payment under the modification was {$370.00}, yet the servicer retroactively changed the payment amount and applied payments inconsistently. The servicer has reported incorrect escrow figures in their response, including an amount of {$92.00}, whereas the correct applied amount has been {$81.00}. Payments I made in good faith were misapplied and manipulated to the servicers convenience, contributing to the false delinquency status. In XX/XX/XXXX, after escalating the issue and providing documentation ( including my executed modification and payment history ), the servicer partially corrected the account on or about XX/XX/XXXX, but errors remain. On XX/XX/XXXX, the servicer sent a new loan modification via XXXX, backdated and claiming prior errors. I did not request a new modification, as I already have a valid executed agreement in place. Despite providing full documentation, the servicer continues to misrepresent the facts and has failed to correct my account fully. Requested Resolution : XXXX. XXXX correction of my account to reflect current status under the executed XX/XX/XXXX loan modification XXXX. Removal of all delinquency and negative reporting caused by servicer error XXXX. Full and accurate accounting of all payments made and applied XXXX. Written confirmation that no new loan modification is required XXXX. XXXX that no foreclosure or collection actions will occur based on these errors This matter remains unresolved, and I am requesting that this complaint be reopened for further investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
The week of XX/XX/XXXX - XXXX, called Nissan and informed them about our intent to catch up to past due amounts. On XXXX we made payment on past due amount which brought us forward XXXX month - photoXX/XX/XXXX. Also that same day, we made an 'overpayment ' of XXXXXX/XX/XXXXover the regular payment in an attempt to 'catch up ' faster. Total of XXXX XXXX Nissan took our payment, and the extra pay- applied it towards the normal car payment - then went ahead and had our car repossessed. Per their site on our account, there are no notices about delinquency. No warnings about the upcoming repossession. There is only information about past due amounts with a late fee. On XXXX we called again about the repossession. They declined payment of next XXXX installments. Demanded total upfront payment of full past due amount. Also, now have to contend with costs owed to the towing company and storage fees while car sits there. We made good faith efforts as follows : -We had previously called and informed Nissan of our intention to make payments and catch up, in XXXX. -We had started the process of completing installments, in XXXX. -Things were on their way to getting rectified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
First off you guys freeze my cards now I tell you that someone had stole my phone and I just had got a new one and I filed numerous of disputes I didnt recognize and I did it today you guys gave me a credit then email me XXXX hrs later stating the transaction was done by me how can you say that when you didnt even investigate hasnt even been XXXX yet and you came back with a decision so what happened with my other disputed that yall made me wait over 6 months for too just denied me then I do these ones legit and I get told it was me how can you prove that this was me do you have camera footage etc I dont think so I would like too know the details on this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation