vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: NY

Complaint narrative:
SECOND FORMAL RESPONSE & FINAL DEMAND Identity Theft Signature Verification Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Security Credit Services , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : SECOND NOTICE Identity Theft Account No. XXXX Original Creditor : XXXX XXXX ( Acct # XXXX ) To Whom It May Concern : This letter serves as my second formal notice regarding the above-referenced fraudulent account. You previously responded to my dispute but failed to provide competent documentary evidence proving that I entered into any contractual agreement. I have submitted a notarized Affidavit of Identity Theft, signed under penalty of perjury, clearly stating that : I did not open this account I did not authorize this account I did not sign any retail installment contract I did not receive any goods or financial benefit The signature on my notarized affidavit is my true and correct signature. The signature on my government-issued drivers license is also my true and correct signature. If you contend that I signed a contract for this alleged account, I demand that you : 1. Provide a complete copy of the original signed retail installment agreement. 2. Conduct a formal signature comparison between : The alleged contract signature My notarized affidavit signature My drivers license signature If the signatures do not match, you are knowingly reporting fraudulent information. You have failed to provide : A signed contract bearing my authentic signature A signed delivery receipt Identity verification documents used at the time of account opening Proof of in-person identity validation Under the Fair Credit Reporting Act : 15 U.S.C. 1681c-2 ( FCRA 605B ) requires blocking identity theft information upon notice. 15 U.S.C. 1681s-2 ( a ) prohibits furnishing information known or that should be known to be inaccurate. Your continued reporting after receiving a sworn affidavit constitutes reckless disregard for accuracy and may rise to willful noncompliance. If you can not produce documentary evidence bearing my true signature proving contractual liability, you must : 1. Immediately delete this account from XXXX XXXX and XXXX 2. Cease all collection activity 3. Confirm deletion in writing This is your final opportunity to correct this matter before further escalation. I reserve all rights under federal and state law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Ive been paying on this card for over 5 years and I cant lower it because of the high interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have tried and failed repeatedly to use my American Express electronic gift card. I have made repeated attempts in person and online, most recently with XXXX on XX/XX/year>. It is not permitted to make a purchase in excess of the balance, e.g. a purchase of {$50.00} with a balance of {$50.00} and then pay the difference with another payment method. In addition, it is essentially impossible to use the remaining funds, e.g. XXXX XXXX remaining on a {$49.00} purchase, and these funds will revert back to American Express when the card expires. This seems entirely criminal. Furthermore, American Express customer service will NOT discuss these issues, choosing instead to direct calls to an automated menu where human beings are not available. I would like a check sent to me in the amount of my card balance, and I will next file a complaint with my state 's Attorney general. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding Rocket Mortgages handling of my PMI removal request, conflicting equity representations, and inappropriate refinance recommendation during a period of financial strain. 1. Conflicting Equity Representations For multiple years, Rocket Mortgages website and marketing tools displayed estimated home values indicating my equity exceeded 20 %. These same valuations were used to market additional lending products to me, including HELOC solicitations. However, despite representing that my home value supported significant equity for purposes of selling additional credit products, Rocket Mortgage did not provide proactive guidance regarding PMI removal eligibility and continued charging PMI. To be clear, I understand that automated valuation models do not automatically trigger PMI cancellation under XXXX XXXX guidelines. My concern is the inconsistent borrower messaging and lack of proactive servicing, which reasonably led me to believe I was approaching PMI removal eligibility. 2. Borrower-Driven PMI Process My initial PMI removal request was submitted XX/XX/2026. The process experienced delays due to the limited availability of the broker selected by Rocket Mortgage for the XXXX. I remained responsive and made good-faith efforts to schedule promptly. Progress on this matter required repeated follow-ups and formal complaints on my part. Without my escalation, the process would likely have taken significantly longer. PMI has now been removed effective XX/XX/2026, which confirms the property ultimately supported removal eligibility. 3. Inappropriate Refinance Recommendation While I was seeking ways to reduce my mortgage costs due to financial strain, Rocket Mortgage presented an adjustable-rate mortgage ( ARM ) option. This recommendation was framed around a lower initial rate but did not proportionately emphasize the material risk that the interest rate and payment could increase after the fixed period. Recommending a potentially payment-increasing product to a borrower expressing cost concerns is troubling from a consumer-outcome perspective. Additionally, the estimated refinance costs of approximately {$10000.00} were materially high relative to my stated goal of reducing expenses. 4. Requested Resolution I am not requesting any action that would violate XXXX XXXX servicing requirements. However, given : the conflicting equity messaging used to market additional products, the lack of proactive PMI removal guidance, the borrower burden required to advance the BPO process, and the misalignment of the refinance recommendation with my stated financial concerns, I am requesting that Rocket Mortgage provide an appropriate goodwill courtesy credit and/or PMI premium adjustment consistent with servicer discretion. My objective is a fair, customer-focused resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I financed a residential solar system through GoodLeap in XX/XX/XXXX. The system was installed but never completed in conforming condition, never received final approval from the XXXX of XXXX, and was never lawfully operable. The permits were not closed, one permit was withdrawn, and the system has never produced power. I made approximately XXXX XXXX monthly payments for the first 18 months and approximately {$310.00} per month thereafter, despite never receiving a completed, code-approved, operable system. On XX/XX/XXXX, I formally notified GoodLeap in writing that this constituted non-delivery and failure of consideration and elected rescission of the transaction. GoodLeap responded in writing the same day that it was unable to cancel the loan and refund any payments and stated my only option was to proceed with an alternate servicer. I rejected late cure and reiterated rescission in writing. I requested confirmation that my account was placed in formal dispute status and asked for GoodLeaps written legal position. I followed up again on XX/XX/XXXX. GoodLeap has not responded. GoodLeap continues to enforce a loan for goods that were never delivered in conforming, lawfully operable condition and has failed to properly respond to a written dispute. I am requesting loan unwind, refund of payments, and appropriate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the account referenced below, which you are furnishing to consumer reporting agencies. XXXX XXXX XXXX XXXX XXXX account ending in XXXX. This account has been sold to a third party. However, you continue to report a charge off balance that is inaccurate and misleading. Because the debt has been sold, you are no longer the party to whom any balance is owed. Continued reporting of a balance due after transfer of ownership is materially misleading and does not accurately reflect the legal status of the account. Pursuant to the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ), furnishers are required to report information that is accurate and not misleading. Reporting a balance after the debt has been sold, assigned, or transferred may constitute inaccurate reporting, particularly if the balance has not been reduced to XXXX to reflect the sale. Additionally pursuant to 15 USC1681s-2 ( b ), upon receiving this direct dispute, you are required to ( 1 ) Conduct a reasonable investigation, review all relevant information and correct any inaccurate information and notify all consumer reporting agencies to which you have furnished the information of necessary corrections. Specifically, I request a 1099C. Documentation showing the date the account was sold or transferred the amount received from the sale of the debt. An explanation of how the currently reported balance was calculated, Confirmation of the Date of First Delinquency being reported and immediate correction to reflect a XXXX balance, if the account was sold. If you can not substantiate the accuracy and completeness of the information being reported, you are required to request deletion of tradeline.

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On the XXXX of XX/XX/year>, I deposited a XXXX dollar check. It told me I would have within XXXX I would have XXXX dollars there. Instead of the money on the XXXX they sent an email saying due to suspect of fraud it was restricted. On the XXXX a apology email said they would release my money in 10 days .. still no money and ask for a appeal. They asked for another 15 days and additional that had passed and they asked to wait for another 15 days of waiting ... after the appeal was denied after XXXX XXXX buisness days ( 30 days ). They asked for proper creditionals which I have done. Still I have not got nothing and have access to my funds. I have done everything in my power and everything that they have asked me to do to get my money. It shows an available balance of XXXX. They also told me from the person I got the check from said the check has been cashed into my bank account thats how I got the balance of XXXX dollars along with other money that was already there. They are still not letting me access its XXXX this started in XXXX. I have asked the bank to redo and give me my funds. Nothing has been done. The holidays have been passed can you please help access my money it is very much needed. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
Carrington approved USDA XXXX trial ( XX/XX/year>, payments {$2100.00} XXXX XXXX ). Sent permanent mod docs demanding $ XXXX ( pre-trial amount ) bad faith mismatch. XX/XX/XXXX letter : " Still reviewing, docs by XX/XX/XXXX ''. XX/XX/XXXX motion : Review " complete '' to skip mediation ( XXXX XXXX ). Ignored preservation demands ( XX/XX/XXXX letter, XXXX to XXXX ). Ongoing foreclosure despite contradictions. See attachments/timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
Sentry Recovery & Collections is in direct violation of NRS 649.375 and NRS 97B.150 by attempting to collect interest that exceeds the 180-day statutory cap and has not been judicially determined. Furthermore, per NRS 649.370, their inconsistent reporting constitutes a deceptive practice under both Nevada and Federal law ( FDCPA ). Sentry Recovery & Collections is attempting to collect {$360.00} in interest on a {$1700.00} debt. This exceeds the 180-day interest cap under Nevada Law ( NRS 97B.150 ). Furthermore, the company is reporting inconsistent balances ( {$2000.00} {$2100.00} ) to credit bureaus, violating 15 U.S.C. 1692e

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 2026-03-03 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: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In the month of XX/XX/year>, i lost my debit card and there were purchases made out of state. ( I live in XXXX XXXX, basically a melting pot of all kinds of people. ) Wells Fargo made no attempt to contact me like any other bank would. There was over {$1900.00} stolen, I filed a claim. The claim was denied and Wells Fargo is refusing to reopen the case for any reason. I dispute this conclusion. The card was not in my possession at the time of the transactions, and I reported the activity as soon as I discovered it. I did not authorize these transactions, did not benefit from them, and the activity was inconsistent with my normal location and usage.

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: FL

Complaint narrative:
My XXXX XXXX debit card expired so I sent to get a new one they sent me four cards in total and none work I cant get my ssi check out at all they keep saying they are sending me another one

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC
State: AL

Complaint narrative:
XX/XX/year> I was pre-approved for a vehicle ; however, after the pre-approval, the Carvana representative was unable to provide a final approval. The vehicle was never shipped, and this was not due to any fault on my part. I verified both my VA income and my military income, and the representative confirmed they were verified with the banks. Despite this, I was later informed that my income could not be used. I want and need my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a customized cash reward credit card with BofA for more than 4 years, and since last year, I was not able to set up autopay for this card. BofAs system requires people to first request an e-bill for the credit card to set up autopay, and I was able to do this when I got the card 4 years ago. The autopay was working until last year I somehow got disconnected from ebill for the card and never be able to request it again. I called the bank customer service multiple times. Each time it required more than XXXX waiting on the line until someone pick up the call. And all representatives are not able to resolve the issue. Many of them told me they escalated to the backend team and the issue would be resolved in XXXX. But neither of them worked in the end. I want the BofA team to actively investigate whats wrong with my cards ebill and fix it so I can set up an autopay.

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 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
I am currently unable to make an additional principal-only payment on my mortgage loan through CMGs online platform. The system does not allow me to process a principal-only payment electronically. At this time, the only method available to submit a principal-only payment is by calling customer service. As I am XXXX XXXX, making these calls requires international dialing, which results in out-of-pocket international calling fees. CMG has not provided any alternative method for me to submit a principal-only payment without incurring these additional costs. This effectively forces me to pay extra money simply to reduce my loan principal. I do not believe it is reasonable for a borrowerparticularly a XXXX servicememberto incur international fees in order to make a voluntary principal-only payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On friday, XX/XX/year>, a transaction on my checking account listed as a " XXXX XXXX XXXX '' was applied to my checking account. It removed nearly {$60000.00} from the account, the total in the account, bringing the balance down to {$0.00}. I have called the bank every single day, multiple times a day, for the last 4 weeks to obtain information on this hold. The bank will not tell me who initiated this legal order, why it was I initiated, or when it will be resolved. They will only state that my " account is under review, and there is no information to disclose. I have done extensive research on this issue as well as my own financial standing. I do not owe any money to any creditors or government agencies that would warrant removing all of my funds and freezing my account without reason or explanation. There is nothing that I can do or say to get Bank Of America to provide me with any information. This has become an emergency situation where I have fallen behind on all of my bills, as all of the money I possess is held up in this account. Any direct deposits to this account over the last 4 weeks have disappeared and I have no access to them. I am a husband and father to XXXX XXXX children and I am no longer able to provide for them. A hold on an account is acceptable practice for financial institutions, but not in a situation like this where Bank of America is not telling me anything at all, and giving me no options or even a time frame for a resolution. I am now desperate and panicked that it has been a month like this.

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/year>, I mistakenly sent 154 USDC on the XXXX XXXX from my XXXX account to my XXXX XXXX XXXX XXXX address. The transfer is confirmed on the XXXX XXXX, and the funds are now held at a XXXX XXXX address but are not credited to my XXXX account because XXXX is not a supported asset. Details are as follows : Asset : 154 USDC ( XXXX ) From : XXXX account To XXXX XXXX XXXX address : XXXXXXXX XXXX XXXX XXXX transaction hash : XXXX I understand the terms say that unsupported assets may be unrecoverable, but given the relatively small amount and the clear onchain audit trail, I am asking that this case be escalated to the crypto / risk / compliance team to consider a onetime recovery or return of the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : This letter serves as my formal request for validation of the above-referenced alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt in its entirety and request full validation. Please provide the following : 1. The original signed contract or agreement bearing my signature. 2. Proof of your legal standing and authority to collect on this alleged debt. 3. A complete accounting of the alleged debt, including : Original creditors name and address Date of default Itemized breakdown of principal, interest, fees, and charges 4. Proof that the statute of limitations has not expired. 5. Verification that you are licensed to collect debt in my state. Additionally, pursuant to UCC 3-501 and UCC 3-505 , I demand presentment of the original instrument and proof of dishonor if applicable. Under UCC 1-308, I reserve all rights and do not waive any rights by this correspondence. If you can not provide the requested validation, you must cease collection activity and remove any negative reporting made to credit reporting agencies. If you continue collection efforts without proper validation, I will consider it a violation of federal law. Please respond within 30 days of receipt of this letter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation