vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
I am submitting a complaint regarding the handling of my auto loan account by Nissan Motor Acceptance Company ( NMAC ), specifically related to an autopay disruption and the companys refusal to reasonably resolve the issue. For approximately XXXX years, my account was enrolled in automatic payments with a perfect payment history. On XX/XX/year>, I registered for online account access for the first time. Following that registration, my previously established autopay arrangement was canceled without any notification or warning. As a result, my XXXX payment was unintentionally missed. This was not due to neglect, but due to an unexpected interruption in my automatic payment setup. As soon as I became aware of the issue, I immediately brought the account current, re-established autopay, and made an additional payment in advance to ensure the account remained in good standing. I contacted Nissan Motor Acceptance Company and also submitted a written request to their Credit Bureau Management department explaining the situation and providing documentation. Despite my long history of on-time payments and the circumstances surrounding this incident, my request for a goodwill adjustment was denied. I am not disputing the accuracy of the payment history itself. Rather, I am requesting that NMAC review how this situation was handled, as the missed payment resulted from a system-related disruption to autopay without notice. Given my strong payment history and the steps I took to immediately correct the issue, I am requesting that NMAC reconsider and make a one-time goodwill adjustment to remove any negative reporting associated with this incident. I am seeking a fair resolution based on the circumstances and my prior account history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint to demand a full re-investigation of all inaccurate, unverifiable, and misleading information being reported on my credit reports by Equifax , Experian, and TransUnion. Multiple negative accounts, late payments, collections, charge-offs, and inquiries are being reported without proper verification or lawful documentation from the original furnishers. Under FCRA Sections 607 and 611, all information reported must be accurate and fully verifiable. Any account, inquiry, or negative item that can not be properly validated must be removed immediately. The continued reporting of inaccurate information is causing significant financial harm and violates my consumer rights. I request that all three credit bureaus immediately re-investigate and permanently remove all inaccurate, unverifiable, outdated, or unauthorized information from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: MD

Complaint narrative:
BSI Financial issued an escrow analysis that omits a documented escrow credit they acknowledged in writing, resulting in an inflated shortage and incorrect monthly payment. I am filing a complaint regarding a material accounting error in my escrow account and an incorrect escrow analysis issued on XX/XX/year>. BSI Financial previously confirmed in writing ( letter to me dated XX/XX/year> ) that a force-placed insurance refund of {$5600.00} was credited to my escrow account. However, the subsequent escrow analysis dated XX/XX/year> : Does not reflect this {$5600.00} credit Includes the full {$7100.00} force-placed insurance charge Calculates an inflated escrow shortage of {$6200.00} Imposes a monthly shortage payment of {$520.00} Sets a total monthly payment of {$4000.00} This analysis is mathematically incorrect because it fails to apply a documented escrow credit. Even using BSIs own figures, the net force-placed insurance impact should be significantly lower, and the shortage and monthly payment should be reduced accordingly. This is not a dispute about insurance coverage, but a servicing and accounting failure : Failure to properly apply escrow funds Failure to conduct an accurate escrow analysis Ongoing billing based on incorrect calculations I have repeatedly provided documentation and sent multiple written notices, including a formal Notice of Error. Despite this, BSI issued a new escrow analysis that continues to reflect the same error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am filing a complaint against Bank of America regarding funds from a closed account that have not been delivered to me. My account was closed approximately XXXX years ago. The bank informed me that a check with my remaining balance was issued and sent to my previous address. However, I had already relocated to XXXX and never received the check. After multiple attempts to resolve this issue remotely, I traveled in person to a Bank of America XXXX in XXXX XXXX, California. During my visit, I received inconsistent and conflicting information from bank representatives : - I was told that a new check had been issued and would arrive in XXXX days. - Later, I was told that the check had actually been sent on XX/XX/XXXX and that I must wait up to XXXX days. - No tracking number, confirmation, or written documentation has been provided. At this point, I do not know the status of my funds, whether the check was successfully delivered, lost, or reissued. The lack of consistent information and documentation is preventing me from accessing my money. I am requesting that Bank of America : 1. Provide a clear and final status of my funds. 2. Reissue the funds via a secure method ( preferably wire transfer ). 3. Provide written co nfirmation and any available tracking information. 4. Assign a case manager to ensure resolution. I am currently in the United States for a limited time specifically to resolve this issue, and I need urgent assistance. Thank you.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Around XX/XX/XXXX a debt collector from Chase called me stating they were from chase and they were wanting to collect a debt. I ended up asking about the debt in which the collector stated over {$9000.00}. I haven't even had access the account since I opened it in XXXX. The reason I explained to the collector was do to fraud and theft that had tooken place in XXXX. The creditor said they understood and that I should still insist on paying the debt. I asked them could we work something out. They told me no and that paying the debt is the only way and if I didn't pay the debt they was going to sue me for the debt, furthermore told me anymore data collected was going to be used against me. I started to feel threatend after trying to explain what occurred to the creditor. They started asking me personal questions following the statement ; where I lived, where I worked ... etc Credit laws 15usc ; 169c dictates how debt collectors can communicate with consumers regarding a collection. Harassment and invasions of privacy is also unaccepted when trying to collect a debt of any amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I am submitting a follow-up complaint regarding my private student loans serviced by MOHELA, previously serviced by XXXX and XXXX with XXXX XXXX XXXX My original total borrowing was approximately {$61000.00}. To date, I have paid over {$120000.00}, yet my current balance remains approximately {$100000.00}. In my prior CFPB complaint, I raised concerns regarding the frequency and cumulative impact of repeated interest capitalization across my loans. Specifically, each of my five loans experienced approximately 17 capitalization events between XXXX and XXXX, totaling an estimated XXXX capitalization events across my account. MOHELAs response did not address this concern. Instead, they : * Confirmed that my interest rates are correct * Referred me back to loan agreements and payment history * Stated that my account balance is accurate However, my complaint is not about the interest rate or general explanations of how interest accrues. It is about the pattern of repeated capitalization events and their financial impact over time. MOHELA did not address : 1. Whether the frequency of capitalization events across all loans is consistent with standard servicing practices 2. Whether the repeated use of forbearance leading to capitalization was appropriate 3. Whether alternative repayment options were available instead of repeated forbearance placement The repeated capitalization of interestparticularly in connection with forbearance periodshas significantly increased my principal balances over time despite long-term repayment. I am requesting a substantive review of the servicing pattern across my account, rather than confirmation that individual capitalization events were technically permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: B9, Inc.
State: OR

Complaint narrative:
B9 states in there own rules they do not charge interest or fees for payday loans if you are a member for XXXX plus p l an or XXXX a month premium plan and have auto drposit. yet they consistently charge me more than the loan borrowed plus they force you to tip them before loan disbursement plus a XXXX express fee if you don't want to wait XXXX days. I demand all extra money they took and my member fees reimbursrd due to retaliatory account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
I PURCHASED A XXXX XXXX XXXX XXXX IN XXXX TOLD I COULD NOT RETURN IT I BELIEVED I WAS CHARGED FOR A XXXX THE DEALERSHIP CHANGED NAME A FEW MONTHS AFTER I MADE PURCHASE FAST FORWARD TO XXXX STILL MAKING PAYMENTS CAR NEEDED REPAIR DEALERSHIPS WOULD NOT HONOR XXXX WARRANTIES I HAD ON CERTIFIED USED CAR GOOD UNTIL XXXX IN XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
CITIBANK CLOSED MY ACCOUNT WHILE I HAD PENDING DISPUTES AND A LIFETIME WORTH OF SAVINGS. I STILL HAD MORE UNAUTHORIZED ACTIVITY ON MY ACCOUNT THAT I COULDNT DO ANYTHING ABOUT BECAUSE THEY DECIDED TO CLOSE MY ACCOUNT ON MONDAY NIGHT. I NEED MY FUNDS MAILED TO MY ADDRESS AND I XXXX MY OTHER DISPUTES FILED THEY ARE PLAYING GAMES WITH ME.

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 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding an improper and unsupported {$250.00} cleaning fee charged by XXXX in connection with a vehicle rental at XXXX XXXX XXXX, XXXX XXXX, XXXX ( Rental Agreement No. XXXX ). I rented the vehicle from XX/XX/year> through XX/XX/year>. At the time of return, I was not informed of any issue regarding the vehicles condition. No inspection report, photographs, or documentation were presented to me indicating that the vehicle required any cleaning beyond normal use. After the rental was completed, I was provided with conflicting invoices. One invoice reflects total charges of approximately {$320.00}, while a subsequent invoice reflects {$570.00}. The only difference between these invoices is the addition of a {$250.00} cleaning fee. This discrepancy clearly demonstrates that the charge was added after the conclusion of the rental and was not disclosed or assessed at the time of return. I disputed this charge with American Express on XX/XX/year>. On XX/XX/year>, American Express closed the dispute in favor of the merchant, stating that the merchant provided documentation. However, I have not been provided with any verifiable, time-stamped evidence demonstrating that the vehicle required cleaning or that any such condition existed during my rental period. To date, XXXX has failed to provide : Time-stamped photographs of the vehicle at the time of return A completed inspection report from the time of return Any employee incident or condition report Proof that cleaning services were actually performed ( such as a vendor invoice ) Evidence that the alleged condition occurred during my rental period The rental agreement permits a cleaning fee only in cases of excessive conditions such as smoke, odors, stains, or biohazard contamination. No such condition existed. I categorically deny returning the vehicle in any condition that would justify a {$250.00} charge. This appears to be a post-transaction charge imposed without proper documentation, notice, or contractual justification. Additionally, American Express failed to conduct a reasonable investigation by relying solely on the merchants unsupported assertions while ignoring clear billing inconsistencies and the absence of verifiable evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding how my mortgage servicer has handled my account following the loss of my home in the XXXX XXXX in XX/XX/XXXX. After the fire, I entered into a disaster-related forbearance program. I followed all requirements and re-applied every three months as instructed, and each extension was approved. On XX/XX/XXXX, I called the servicer to ask what I should do next as the forbearance period was nearing its end. I was told to call back at the end of the month. I did that and spoke with them again on XX/XX/XXXX. During that call, I was told my loan was being set up for a modification or renegotiation. I was also told not to make any payments and that they would contact me with next steps. I relied on that information. After that call, I did not receive any follow-up. When I reached out again in XX/XX/XXXX, I was told for the first time that my loan had been placed into foreclosure. This was the first I had heard of any foreclosure activity. At no point did anyone clearly explain that my forbearance had ended in a way that required immediate action, and I was not given a transition plan despite reaching out proactively and following their instructions. At the same time, I have been working with the servicers loss draft department throughout this process. They have had full access to my rebuilding plans and documentation and have approved and released approximately 90 % of my insurance funds. This makes it even more confusing and concerning that foreclosure was initiated while I was actively rebuilding my home and working with them in good faith. This situation has put me at risk of losing my primary residence during an active rebuild after a total loss. It has also required a significant amount of time to try to resolve, with inconsistent and sometimes contradictory information from the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to report that there is incorrect information on my credit report. An account appears that I do not recognize and that is definitely not mine. I kindly request that you review this matter, remove any data that does not pertain to me, and update the records regarding late payments, as they were reported in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
T he mortgage company has an inaccurate date when the original loan was procured. This is inaccurate and unverified reporting of credit information on my credit report. Despite previous disputes, the account remain incorrectly reported, causing substantial harm to my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure the accuracy and completeness of credit information. However, they have failed to correct erroneous data, leading to ongoing negative impacts on my credit score and financial opportunities. The incorrect reporting has resulted in loan denials, higher interest rates, and undue financial stress, making it imperative that these inaccuracies be addressed and rectified promptly. PHH Mortgage has a start date of XX/XX/XXXX as the date house was sold. Which is inaccurate. House was bought XX/XX/XXXX and the deed is registered as of XX/XX/XXXX. The funds applied then and loan years is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX, I received a phone call that appeared to originate from Navy Federal Credit Union 's official phone number. The caller identified himself as a Navy Federal representative and informed me that my debit card, linked to my XXXX XXXX account, was being used fraudulently for a purchase on a XXXX in Florida. He stated he would help me reverse the fraudulent charges and walked me through a series of steps he described as a " reversal '' process. I complied in good faith, believing I was speaking with a legitimate Navy Federal representative, because the call appeared on my phone as coming directly from Navy Federal 's number. I later learned this is a technique known as phone number spoofing, and that the caller was a scammer impersonating your institution. The moment I realized I had been deceived, I ended the call immediately and contacted Navy Federal directly to report the incident. I subsequently filed a police report documenting the fraud. I did not knowingly or willingly authorize a transfer to a third-party scammer. I was fraudulently induced through impersonation of Navy Federal itself using a spoofed number into believing I was completing a legitimate transaction with my bank. This is not authorization ; this is fraud perpetrated against me. -- - SUPPORTING FACTS The scammer used a spoofed number matching Navy Federal 's official contact number, creating the appearance of a legitimate call from my own bank. I was specifically told the transaction was a " reversal '' of fraudulent charges which is why the transfer carries that label. I terminated the call and contacted Navy Federal immediately upon realizing the deception. I filed a police report documenting this incident as fraud. A copy is available upon request. Navy Federal 's own representatives acknowledged this tactic when I reported it, referring to it as a " mirroring '' scam confirming this is a known fraud pattern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint because there are collection accounts on my credit report that do not belong to me. I closely monitor my credit, and these accounts appeared without my knowledge or authorization. I have never approved or been involved with them, and it is frustrating and unacceptable to see inaccurate information reported under my name. This matter needs to be investigated and corrected immediately.

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 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
In XXXX, I was the victim of identity theft. Someone stole my identity and opened about 15 accounts with various companies. I was able to dispute all of them except a XXXX XXXX XXXX credit card ( Account number XXXX ). After multiple attempts at disputing over the phone, the company is still reaching out to me. I had submitted a police report and FTC report about the fraud. I am now being sued by the company for the debt they claim I owe.

Company response to consumer: Closed with non-monetary relief