vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
My mortgage was transferred from XXXX XXXX XXXX Cross Country Mortgage effective XX/XX/XXXX. Since then, my payments have been coming out because XXXX transferred my auto-pay information but I have not been able to access my account with Cross Country . Every time I try to add my new loan number I get an error # XXXX saying that my information is invalid. It is NOT. I need to change my payment information and can not get in. I have been trying since XXXX and have records of emails being sent to their support team as early as XX/XX/XXXX and have not received a response. When I can get through to a person via phone they are unable to do anything to help. This company seems to have no interest in helping resolve this issue despite being responsible for taking thousands of dollars from me per month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX withdrawal XXXX cash. XXXX was putting cash in envelopes when I was watching last bundle being counted of XXXX. XXXX sealed envelopes. I put envelopes in safe. Didn't think to count. I trust a bank im at. On XXXX. I took XXXX envelope out to get money ready for appt. It had a XXXX XXXX XXXX XXXX I took off c wrap to court money and it was only XXXX. I called chase. I was directed to the branch in person. I talked to XXXX about what happened. Showed her the envelope purple wrap and money. XXXX replied. How come it took this long to notice. I replied it was in my safe sealed envelope. I asked her to see cameras and ledger. XXXX said ledger was fine. And she cant do anything. I called again and talked to chase and the lady said I see XXXX. I replied do what. It sounded like I got out on hold then i was told XXXX. I called XXXX XXXX XXXX after telling her what happened repeated. The teller put money in envelopes and you didn't count because you trusted them. I replied yes. Chase sent me to claims I talked to claims told claims what happened. He was saying something about ATM I said no I went inside teller. Chase claims ask if I go inside alot. I replied no I usually go to ATM. I was inside maybe 2 weeks ago to cash in change. Was there a overage that day? I want to see cameras or investigater. I was treated like I was a thief from branch manager branch manager was short with me to get me out of branch. I have no money issues why would I lie about XXXX dollars. I trusted this bank. The XXXXXXXX XXXX XXXX XXXXd XXXX not XXXX when I counted. I know you will say why didnt you count b before I left. The teller put them in a sealed envelope. I didn't need money that day. I want a audit of averages. Audit of money or however or whatever suppose to happen to find my shorted XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ohio. The vehicle was financed through Credit Acceptance Corporation. During the transaction, the dealerships finance manager briefly summarized some paper documents ( about 5-6 pages ) and stated that he would finish the rest. I was not given the opportunity to read the paperwork in full. The finance manager manually held and flipped through the paper documents while instructing me where to sign. I was made to feel that the transaction could not be stopped at that point. Days later, I accessed the Credit Acceptance borrower portal, I discovered approximately 36 pages of documents that appear to have been electronically signed on my behalf. These documents include acknowledgements stating that I reviewed and consented to the disclosures. I was never shown these documents at the dealership, did not review them, and did not knowingly provide authorization for electronic signatures. The timestamps on these documents indicate they were executed approximately XXXX minutes before my {$2500.00} down payment was processed. I did not receive copies of these documents at the dealership. After reviewing the documents, I discovered that an optional service contract and XXXX insurance had been added to the loan, increasing the loan balance by over {$3000.00}. This product was never clearly disclosed to me as optional and was presented during the sale as a warranty that came with the vehicle. I did not knowingly consent to purchasing this product. I had the opportunity to speak with a representative from Credit Acceptances Customer Care Department who stated that my signature on the Declaration Acknowledging Electronic Signature Process indicates that I was aware. The representative displayed a complete disregard for my explanation of signing under duress. Additionally, I recently discovered that the vehicle was represented to me during the sale as accident-free and having only two previous owners. After the purchase, I learned that the vehicle had actually been involved in a prior accident with significant damage and had approximately XXXX prior owners within XXXX years. This materially misrepresents the vehicles history and value. I am requesting that Credit Acceptance investigate the validity of the electronic signatures and the disclosures associated with this loan. The documentation in the lender portal indicates that I acknowledged reviewing and agreeing to documents that I was never given the opportunity to see. I also request that the lender review whether the contract they funded was based on materially inaccurate representations about the vehicle used as collateral.

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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: DE

Complaint narrative:
Company Name : Block, Inc. ( Cash App ) Total Dispute Amount : Approximately {$4000.00} Police Report Number : XXXX ( XXXX Police Department ) Description of Problem : I am filing this formal complaint against Cash App ( Block , Inc. ) for failure to investigate and refund unauthorized transactions totaling approximately {$4000.00}, in violation of the Electronic Fund Transfer Act ( Regulation E ). Between XX/XX/year>, and XX/XX/year>, my account was compromised in an identity theft scheme at the XXXX XXXX XXXX XXXX XXXX, DE. Despite my immediate reporting and the existence of an active criminal investigation ( Case # XXXX ), Cash App has failed to provide provisional credit or reverse the following fraudulent charges : * XXXX XXXX ( XXXX. XXXX ) : XXXX unauthorized transactions ( {$590.00} ) delivered to a third party at XXXX XXXX XXXX. * XXXX XXXX ( XXXX XXXX XXXX XXXX ) : {$650.00}. * XXXX XXXX ( XXXX XXXX XXXX ) : {$340.00}. * XXXX ( XXXX XXXX XXXX ) : {$420.00}. * Balance of ~ {$2000.00} : Additional itemized charges currently under police review. Company Failure : I have attempted to resolve this at the merchant level and through Cash App support. I have been met with a total lack of cooperation. Cash App has a legal obligation under 12 CFR 1005.11 to conduct a good-faith investigation and resolve these errors. Their failure to do so has resulted in significant financial hardship. Desired Resolution : 1. Full Restitution : Immediate refund of the {$4000.00} in unauthorized charges to my original payment method. 2. Evidence Cooperation : Cash App must coordinate with the XXXX Police Departmentregarding the digital footprint and GPS data of these transactions. 3. Regulatory Compliance : A formal explanation as to why Regulation E protections were not applied within the mandatory 10-day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
I informed the bank that dealership will not register vehicle bought car and California moved to Washington.Car needs smog check.Bank refuses to get car registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: SC

Complaint narrative:
I am filing this complaint regarding lender-placed insurance that was added to my mortgage account by Selene XXXX XXXX in error. I have an active homeowners insurance policy that has been in effect with no lapse in coverage. The policy meets the required coverage limits and lists Selene XXXX as the mortgagee. I have provided proof of insurance and the declaration to Selene XXXX multiple times. Despite submitting the required documentation and being told the issue would be resolved with XXXX business days, the lender-placed insurance has still not been removed from my account. Because of this error, my monthly mortgage payment has increased by approximately {$600.00}. This increase is solely due to the improper lender placed insurance. I have contacted Selene XXXX numerous times since XXXX attempting to have this error resolved. I am requesting Selene XXXX immediately remove the lender placed insurance from my loan and correct my account and restore my normal mortgage payment of {$1000.00}. I am also requesting reverse and refund any charges associated with the lender placed insurance. I would also like written confirmation that my account has been corrected. I am requesting assistance in resolving this matter and ensuring my mortgage account is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Zions Debt Holdings
State: TX

Complaint narrative:
Debt buyer can not produce original creditor documentation. According to1681e ( b ) There is an accuracy requirement 1681s-2 ( a ) furnisher must report accurate data FDCPA Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting full validation of this debt. Please provide the following documentation : The original signed credit agreement or service contract. The complete payment history showing how the alleged balance was calculated. Documentation proving your company has legal ownership of the debt, including the chain of assignment from the original creditor. The name and address of the original creditor. Proof that you are licensed to collect debts in my state. Until you provide proper validation, you must cease all collection activity and reporting of this account. If you can not provide the documentation requested, you must immediately delete this account from all credit reporting agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I contacted XXXX XXXX regarding an issue with my escrow account related to my property tax exemption due to my 100 % XXXX rating from the Department of Veterans Affairs. On XX/XX/XXXX, I notified Nationstar that I qualify for a property tax exemption and that my escrow account needed to be updated to reflect this change. The exemption affects the property taxes that are being collected through my mortgage escrow account. After the issue was not corrected, I contacted Nationstar again on XX/XX/XXXX to follow up about updating the escrow account. The account still had not been updated. I then contacted Nationstar multiple additional times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX regarding the same issue. During these calls I again informed them about the VA XXXX property tax exemption and that the escrow account was still collecting property taxes despite the exemption. As of the most recent contact, the escrow account had still not been corrected and the issue remained unresolved. Mortgage servicers are required to investigate and respond to borrower notices of error related to loan servicing, including escrow account calculations, under the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X ( 12 CFR 1024.35 ). Despite multiple contacts over several months, the escrow issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
This is a medical bill that I do not owe at the time I had insurance that covered this bill. They have reported it to my credit XXXX times and this orthopedic office I only visited once. At the time of visit, no money was collected. I was told that I do not owe a balance and then the charges showed up on my credit report. I never received bills. I never received an explanation of the bill and I requested it and they failed to provide it to me. This credit was reported XXXX times and it is invalid.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I got a text from Truist alerts that my account has a charge of XXXX dollars from XXXX XXXX to my debit card. Trust Financial called me with the phone number at XXXX. The agent request for my debit card code and I believe it was the real Truist at that time ad the phone number match. He then said the charge would be removed from my account and was it refunded. A new debit card was order however on the following days it was shipped by XXXX and was delivered a few days later by handoff. The card never came to me and Once I saw XXXX recurring ATM withdrawals I locked my debit card to prevent any payments. The total was about {$980.00} at a local withdrawal. XXXX truist code number were sent to me and I picked the phone up as the scammer want me to provided the numbers. I hung up and blocked the phone number. I explained this situation with the truist Local branch and at the back of my old credit card number with the Truist. The branch said they couldn't help but only change my debit pin code number which we did change. Truist on the other hand was going to investigate the issue. Truist claims later sent me a letter by mail as per their investigation but I was denied and their letter said everything was a normal withdrawal. It was not normals as I was scammed {$980.00} dollars and no evidence was provided. I recalled truist and ask them to reopen the case and check cameras on XX/XX/XXXX but no calls or any updates were provided.

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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: IL

Complaint narrative:
Married couple XXXX XXXX XXXX XXXX have U.S. Bank XXXX XXXX and we have a joint checking account. A Credit Card Cash Advance was taken from XXXX XXXX credit card and that money was then deposited into our joint checking account on XXXX XX/XX/year>. We did not catch this problem until over a week later but immediately called US Bank and we also went to the XXXX, IL branch in person. We have NEVER taken out a credit card cash advance. We spoke to the fraud division who closed XXXX 's credit card and they also put a hold on our checking account so no withdrawals could be made by anyone except us in person. US Bank opened a new checking account and transferred our money to the new account. We were told this is a common criminal issue whereas the action that was taken gave them access to both accounts and it was important to close them. We accepted their help. Now, after speaking to XXXX customer service representatives from US bank and spending hours on the phone, I am unable to use bill pay from our new checking account forcing me to get on line with each creditor and enter our checking account information to pay our bills thus creating more possibility of robbing us. US bank sent us a letter stating we are the ones who benefited from the action and therefore we are responsible. US Bank has basically called XXXX criminals. This is NOT acceptable on any level. We are an older retired XXXX couple and I receive VA XXXX and my husband, XXXX is undergoing XXXX XXXX. What US bank has done is sinister. I actually believe their own staff made attempt to XXXX us had we not caught the problem when we did. I am saying that because we do know for sure that their employees monitor bank account and they know us by name. My phone number has changed a long time ago. Please update your records. My cell number is XXXX. XXXX XXXX ( my spouse ) cell phone number is 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 2026-03-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
For the past XXXX XXXX I have tried and requested that Bank of America stop sending me Credit Card offers in the mail and I have selected all the opt outs, spoken to my advisor, tried to find out how to send them a letter and any information is so hidden that it's impossible to stop this marketing which I DO NOT WANT. The information is for my small business account which is XXXX XXXX or XXXX XXXX but I use my social as the identifier

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 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
on XX/XX/year>, I initated a wire transaction after setting up wire details American Express checking. The wire payee set up page asked for name but only stated put in name, it did not say this must match exacly or risk rejection. I have a screenshot of the input page, it doesn't ask to enter name twice or for the name to exactly match receiving account or risk rejection. I only thought the routing number and account number was important. The name inputted was incomplete but the second check of someone calling me from amex did not catch this issue. The call asked for the name, it did not match what was on the transaction completely and the person on the line did not catch that. What is the point of verification if it not accurate. Furthermore, there is no emphasis that the name needs to match for a wire. I asked for a refund of my wire fee but they refused saying it was my fault. I think the business should make clearer how important each field is and it was not stated. It is both of our faults as the verbal verification failed so they should refund me the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Checkbook Inc
State: CO

Complaint narrative:
CheckbookXXXX is currently withholding two separate payments ( a lawsuit settlement and a XXXX refund ) due to a failure in their automated verification system. When their website failed to process my identity verification ( returning errors without codes ), their support team instructed me to email a selfie of myself holding my government ID and to provide old bank account information that I no longer use/have access to. I am refusing to comply with the request to email sensitive ID documents because : Security Risk : Email is an unencrypted, insecure channel. Requiring customers to transmit government IDs and biometrics via email is a violation of basic data security best practices. Technical Negligence : The company has failed to provide a secure, functional portal for verification, yet refuses to offer standard alternatives ( such as manual review via a secure upload or verification through XXXX ). Impossible Requirements : They are demanding verification of a bank account that may be closed, while simultaneously refusing to allow me to link a new, valid account. By creating a broken technical loop and demanding I compromise my identity security via email to fix it, CheckbookXXXX is effectively seizing my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief