vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My mortgage loan was transferred from XXXX to XXXXRocket Mortgage in XX/XX/year>. Since the transfer, Rocket Mortgage has failed to properly manage my escrow account. My homeowners insurance and XXXX property taxes were not paid on time, resulting in escrow shortages, penalties, and a significant increase in my monthly mortgage payment. 

My monthly payment increased from {$3100.00} to {$3700.00} due to an escrow shortage that was caused by Rocket XXXX  failure to make timely escrow disbursements. Rocket Mortgage is blaming the insurance company and XXXX tax office, but as the mortgage servicer and escrow XXXX, Rocket Mortgage is legally responsible for timely payment under federal law. 

I have been charged additional amounts and suffered financial harm despite making all required mortgage payments on time. Rocket Mortgage has not provided written proof showing when escrow bills were received or when payments were made, nor have they accepted responsibility for the delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app has been avoiding accountability for the funds they are withholding from my savings account. I sent police reports about my ex boyfriend for hacking my account, stealing my phone and stealing my money cash app did nothing about this they did not give me my money back there's money still in the savings on the cash app that they won't get back because my account is in the negative I'm a victim of fraud and I get treated this way all they have done is give me to run around and simply deny giving back the money that is owed to me. They also closed my account and I'm a. Fraud victim. I sent all the proof I'm not going to keep sending this over and over I'm going to get my attorney involved that's the next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing this complaint because As soon as I discovered the fraud, I contacted the bank right away. The bank closed all of my accounts, which I had maintained for 22 years. I was told that the {$1000.00} remaining in my old account would be transferred to me after the review. 

Now the bank is refusing to release my {$1000.00}, even though I reported the fraud immediately, cooperated fully, and had no knowledge of or involvement with the fraudulent activity.

I believe the bank failed to properly follow Regulation E and did not conduct a fair investigation. I am requesting the return of my {$1000.00} and a full explanation in writing.

This situation has caused me financial hardship and distress

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did not authorize TD Bank to close my secured credit card account. The account was funded with a secured deposit of {$2500.00} and was paid as agreed. The account was closed by the bank without my consent. I discovered it was reporting incorrectly on my credit report, showing a closure I did not request. I am requesting that the account status be corrected to reflect that it was closed without my authorization or that any inaccurate negative reporting be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I submitted a request for temporary mortgage assistance, specifically a 90-day VA forbearance/deferment, due to a temporary financial hardship caused by carrying dual housing expenses while another property is actively listed for sale. 

I did not request home liquidation, a short sale, deed-in-lieu, or surrender of the property. 

Instead of responding to my request for temporary assistance, the servicer sent me a Home Liquidation Notification Conditional Approval from the Short Sale Department, which mischaracterizes my request and does not address the relief I actually sought. 

The servicer failed to acknowledge or provide a written response to my forbearance request and did not evaluate or offer VA-authorized retention options, such as temporary forbearance or repayment alternatives, before issuing liquidation-related correspondence. 

This has caused confusion, distress, and unnecessary risk. I am seeking temporary assistance only, not liquidation, and I am requesting proper review under VA loss-mitigation guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: MI

Complaint narrative:
Lockhart , Morris & Montgomery XXXX XXXX is reporting and attempting to collect a non-existent XXXX  debt that was paid in full by insurance, carries a {$0.00} balance, and was never assigned to collections. 

The only XXXX XXXX associated with this matter occurred on XX/XX/XXXX and XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, with corporate billing through XXXX XXXX XXXX XXXX. Both itemized bills were paid in full by insurance and reflect zero patient responsibility. 

I personally contacted both XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, and was explicitly informed that : No balances are owed No additional accounts exist No account was ever sent, sold, or assigned to any collection agency Lockhart , Morris & Montgomery was never authorized to collect any account related to these services Despite this, XXXXockhart , Morris & Montgomery is reporting a collection tradeline under XXXX XXXX XXXX, a misidentified creditor that did not render the services or assign any account. 

The company is also furnishing materially false and impossible credit information, including : A fabricated Date Assigned of XX/XX/XXXX Reporting the account as Balance updated XX/XX/XXXX Reporting {$960.00} past due as of XX/XX/XXXX This is objectively false. A balance can not be past due on the same date as the alleged date of service, and no balance exists at all. This reporting constitutes impermissible re-aging, false representation of the debts legal status, and continued furnishing of inaccurate information after dispute. 

XXXX XXXX XXXX XXXX XXXX previously responded with a generic statement that it acted appropriately under contract or law, but has not produced any assignment, billing records, or proof of debt, and continues to report false information. 

This conduct violates the FDCPA ( XXXX XXXX. XXXX, XXXX ) and the FCRA ( XXXX XXXX. XXXX ( b ) ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Wildhorse Financial Services, LLC
State: CT

Complaint narrative:
On XX/XX/year>, I was shopping for a new auto loan and visited a website called Gravity Lending. The site advertised that checking rates would have no impact on my credit score, so I entered some basic information. I did not provide my Social Security number. 

Despite this, Gravity Lending performed a hard inquiry on my credit report to initiate a loan application, without my understanding or consent that this would affect my credit. There was nothing in the fine print clearly stating that a hard inquiry would be conducted, nor was I provided a copy of my credit report. 

The site indicated that providing a Social Security number was optional, which led me to believe that it was required to perform a credit inquiry. If a hard inquiry can be completed using only a name, address, and date of birth, this raises serious concerns, as anyone could submit my information and negatively impact my credit without authorization. 

I explained to Gravity Lending that this practice is not appropriate or transparent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am filing this complaint against Wells Fargo Bank , N.A . ( Wells Fargo ) for wrongfully charging me {$36.00} in interest ( labeled INTEREST CHARGE ON PURCHASES on XX/XX/year> ) for a supposed late payment on my XXXX XXXX XXXX XXXX, despite the late payment being caused by XXXX XXXX system

errornot my faultand me having sufficient funds to cover the payment at the time.

Key Facts : 1. On XX/XX/year>, I initiated a {$900.00} payment toward my XXXX XXXXXXXX ( XXXX XXXX ) via ACH transfer from my XXXX XXXX XXXX account . My savings account had a balance well in excess of {$900.00} on XX/XX/year> ( attached savings statement confirms available funds ). 

2. The payment failed to process, which I believe stems from Wells Fargos pending termination of its partnership with XXXXresulting in system delays/errors. I immediately remitted the {$900.00} payment once I noticed the failure, yet Wells Fargo still applied a {$36.00} interest charge on XX/XX/year>. 

3. I contacted Wells Fargo to dispute the charge, explaining the system error and providing proof of sufficient funds. Wells Fargo incorrectly attributed the failed payment to my error and refused to reverse the {$36.00} interest charge. 

Evidence Attached : Screenshot of Wells Fargo transaction details showing the {$36.00} interest charge ( XX/XX/year> ). 

Screenshot of XXXX XXXX transaction history ( XX/XX/year> {$900.00} payment attempt ). 

XXXX XXXX savings statement ( XX/XX/year> ) proving sufficient funds ( $ XXXX ) on XX/XX/year> for the payment. 

Request : I demand that Wells Fargo immediately reverse the {$36.00} interest charge, correct my account records, and provide written confirmation of the reversal. I also request that the CFPB investigate Wells Fargos system failures related to its XXXXXXXX XXXX transition and ensure no other consumers are harmed by similar errors. 

Please contact me at the phone/email above for follow-up. I have attached all relevant documentation for your review. 

Sincerely, 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 2026-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I sent a dispute to the company stating that the reporting was inaccurate on my credit report. They are reporting that the cost of the loan for the vehicle was XXXX when in fact I got this vehicle XX/XX/year> and the total cost of the vehicle was XXXX. I would like this removed off my credit report since they are reporting inaccurate balances and I would like to investigated to see if I have been overpaying or overcharge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am writing to dispute multiple accounts appearing on my Equifax, Experian, Trans Union credit report. These accounts are fraudulent and were opened or reported without my authorization. I have not opened, authorized, or otherwise been responsible for these accounts, and I consider this an identity theft situation under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Accounts in Question : XXXX. XXXX ( XXXX XXXX ) {$800.00} XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX ) {$4800.00} XXXX. XXXX ( XXXX XXXX XXXX ) {$260.00} Under the FCRA, Equifax is required to conduct a reasonable investigation of disputed information and remove any accounts that can not be verified as accurate. I am requesting that you : Immediately block these fraudulent accounts from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ).

Provide written confirmation that these accounts have been removed. 
Provide an updated copy of my credit report reflecting these changes. 

I am attaching documentation supporting my identity theft claim, including a copy of my FTC Identity Theft Report. 

Please investigate and remove these fraudulent accounts without delay, and confirm in writing the outcome of your investigation. 

Thank you for your prompt attention to this urgent matter.

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 2026-01-03 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: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I rented a vehicle from XXXX and returned it on XX/XX/XXXX. At the time of return, I paid the full amount owed {$800.00} using my debit card to close the rental agreement. That charge was authorized by me and later posted to my checking account on XX/XX/XXXX. The rental was fully settled and closed. 

On XX/XX/XXXX, several days after the account had already been settled an additional pending debit authorization for {$800.00} appeared on my checking account from the same merchant. I did not authorize this second charge. The amount is different, the timing is different, and there was no remaining balance owed. 

This pending authorization immediately caused my account to become overdrawn and placed my scheduled electronic payments at risk of being returned. While overdraft fees have not yet been charged, they are imminent if the authorization is not released. 

My issue with my bank ( Navy Federal ) My concern is not only with the merchant but with how my financial institution handled the situation once I reported it. 

When I contacted Navy Federal, the bank could clearly see : The correct, authorized transaction had already posted The pending charge was for a different amount The transaction occurred after the rental agreement was settled Despite this, Navy Federal took no action to protect my account. I was told to wait a few days for the pending charge to resolve, even though waiting places me at risk of overdraft and returned-payment fees. 

By doing nothing, the bank allowed an unauthorized debit authorization to restrict access to my funds while retaining the ability to charge me overdraft fees if payments fail. This shifts all risk onto me as the consumer and provides no meaningful protection once unauthorized activity is reported. 

As a result, I feel unprotected by my financial institution and lack confidence that my bank will act to safeguard my account when unauthorized transactions occurespecially when the discrepancy is obvious and the financial harm is foreseeable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Per the terms of the XXXX XXXX Citi/ AAdvantage XXXX XXXX XXXX I should receive a {$120.00} XXXX XXXX XXXX Discount after spending {$20000.00} or more in purchases during your cardmembership year ( XX/XX/XXXX - XX/XX/XXXX ). I spent over {$77000.00} in that time period and have not received my flight discount. I have contacted Citi numerous times, most recently on XX/XX/XXXX, and each time I am told that it is an error that is not showing up and that I need to wait XXXX weeks for this to be corrected. I have been waiting for months and have not been able to resolve this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I went XXXX their website XXXX  paid what I owed, which was R {$130.00}, XXXX  closed my account. A month later, they sent me a message saying I still owed them money. It was {$37.00}, but I ignored it because I thought it was a scam. Later, I checked my credit report XXXX  saw that my name was still listed as owing the money, XXXX  now the bill is over {$200.00}. That's not right because I went XXXX  the website. Why wasn't it stated there that I had XXXX  pay this late payment fee? They only sent me the notification a month later, after I had already paid everything XXXX  closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
upon checking my credit report, I noticed this creditor reporting incorrct information for a chargeoff in the amount of {$8000.00}. this violates my rights to an accurate report and hurts my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: eToro USA LLC
State: PA

Complaint narrative:
Focus : Unauthorized Transaction and XXXX XXXX XXXX. 
Description of Problem : eToro USA LLC liquidated my digital asset holdings without my authorization or proper notification, resulting in a direct financial loss of {$6300.00}. 

The Details : On XX/XX/XXXX, my account holdings ( XXXX, XXXX, XXXX XXXX XXXX XXXX ) were sold by eToro. I was not made aware this would happen on that date. eToro 's support claims they sent an email on XX/XX/XXXX, but I never received it. Despite my formal request, the company has refused to provide any evidence of delivery ( such as a timestamped mail server log ). 

eToro is attempting to hide behind a " general announcement '' made in XX/XX/XXXX. However, as a long-term " Buy and Hold '' investor, a general notice months in advance does not excuse the lack of a specific, verified " final warning '' before my property was sold against my will. 

Financial Impact : Account Value at Forced Liquidation : {$920.00} Current Value of the same Assets ( as of XX/XX/XXXX ) : {$7200.00} Total Loss : {$6300.00} Resolution Sought : I am seeking a " Make Whole '' adjustment for the price difference between the unauthorized liquidation and the current market value, as eToro 's failure to notify me prevented me from exercising my right to move these assets to a private wallet.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> Someone hacked into my chime account and transferred money to themselvee which was XXXX to a XXXX XXXX. I filed XXXX claims XXXX on XX/XX/XXXX and the other on XX/XX/XXXX on that were denied and then filed a police report and another claim on XX/XX/XXXX and that was denied also. Even with police report chime still says no fraud accrued

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally notify you that the account listed on my credit report was opened and/or used as a result of identity theft. I did not authorize this account, nor did I give permission for anyone to use my personal information. 
A third party used my identity without my knowledge or consent. As a result, the information being reported is fraudulent and inaccurate. The continued reporting of this account is causing harm to my credit.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I am requesting that this fraudulent account be blocked and permanently removed from my credit report. 
Please conduct a full investigation and provide written confirmation once this account has been deleted. If you are unable to verify that I authorized this account, it must be removed in accordance with federal law. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Klarna AB
State: PA

Complaint narrative:
I opened a dispute with Klarna on XX/XX/year> regarding a purchase that was intended to be a XXXX gift but never arrived. 
Klarna paused my payments, acknowledging the dispute, but has not issued a refund or provided a final resolution. My Klarna account has been restricted and unusable since XX/XX/year>, even though no balance is currently due and payments are paused. 
Despite multiple contacts, Klarna has not provided a refund confirmation, refund reference number, or written decision. The dispute has exceeded a reasonable resolution timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Amex credit card was lost and used, claimed got denied about XXXX years ago, and some charges were due to not making payments due to lack of funds.

Company response to consumer: Closed with explanation