vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — FHA 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: Freedom Mortgage Company
State: NY

Complaint narrative:
I defaulted on my advance XXXX i laid the first month and for some reason the XXXX was not taken out of my account. it said lack of funds but that was not it I didn't know this until I called to make the XXXX and last payment. I asked the lady what to do and she said since I had a recent loss XXXX XXXX that I had to just re submit the signature pages with updated date. I said ok I re printed the pages re signed them and emailed them. I got a paper in the mail saying it had to filled our before XX/XX/XXXX I had already did what the last said so I was ok. I waited until XXXX XXXX didn't hear anything called back and the rep said I was mislead and I had to send the whole packet and that even the signed papers I sent on the XXXX were not received. he said to send the packet so I did fill it out and I send it with the other information via email as I was told there was NO FAX NUMBER for the company. on XX/XX/XXXX I called again and was told that again it was not receive. I was then informed by a real estate person that my home was for auction on XXXX XXXX it was XX/XX/XXXX! I called legal aid. I panicked they have yet to call me back. I started to XXXX things to do I mailed the packet I was told freedom had a fax number I got that number and will fax on Monday this weekend I have just tried to XXXX and call people to help me without having to claim bankruptcy. I am willing and able to make arrangements to fix this issue. please postpone this auction. I have emailed a letter asking for POSTPONE auction and have not yet received anything as it was via this weekend 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 2026-06-08 00:00:00
Product: Mortgage — Conventional home 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XX/XX/XXXX, Bank of America approved a mortgage forbearance due to a documented financial hardship caused by my husband 's XXXX XXXX XXXX XXXX XXXXXXXX and his resulting loss of income. The initial forbearance period was approved through XX/XX/XXXX. Before it expired, I contacted Bank of America to discuss extending the forbearance through XX/XX/XXXX. During those discussions, I was also enrolled in a loan modification program. I later learned that a loan modification and a forbearance can not run at the same time. The overlap between these programs caused the forbearance extension to not be processed correctly, resulting in my mortgage being reported as late in XX/XX/XXXX. I was never informed that the forbearance and loan modification would conflict or that my account was at risk of becoming delinquent. Had I been properly advised, I would have taken immediate action to prevent any late reporting. I have contacted Bank of America XXXX XXXX regarding this issue and have requested that the XX/XX/XXXX late payment reporting be corrected. Representatives have acknowledged the circumstances and indicated that the situation should be reviewed ; however, Bank of America has continued to report the late payment and has denied my requests for correction. The account was ultimately brought fully current with a payment of {$7700.00} in XX/XX/XXXX, and all payments have been made on time since then. As a result of this reporting, my credit has been negatively affected, limiting my ability to refinance and consolidate debt despite otherwise maintaining a strong payment history. I am requesting that Bank of America conduct a thorough review of the circumstances surrounding the XX/XX/XXXX delinquency and remove the late payment reporting associated with this servicing error.

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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: COMMERCE BANK
State: MO

Complaint narrative:
I am filing this formal complaint against Commerce Bank for their failure to properly secure my account, their total failure to act on explicit, in-person account-closure requests, and their ongoing failure to resolve a severe case of identity theft and financial fraud.The facts of my situation are as follows : In-Person Identity Theft Notification & Closure Request ( XX/XX/XXXX ) : On XX/XX/XXXX, my purse was stolen, containing my debit card for account XXXX along with extensive personal identification. On that exact day, I physically walked into my local Commerce Bank branch in XXXX XXXX, MO. I notified the staff in person that my card was stolen, and I explicitly requested that account XXXX be completely closed to prevent fraud.In-Person Account Closure Reminder ( XX/XX/XXXX ) : On XX/XX/XXXX, I returned in person to the exact same XXXX XXXX XXXX XXXX issue a firm reminder that this account was supposed to be closed. Despite my urgent, in-person directive from XXXX, the branch employees had failed to shut down the account.Branch Closure and Bank Negligence XXXX XX/XX/XXXX XX/XX/XXXX ) : Please note that this specific XXXX XXXX XXXX has since permanently closed, which has severely hindered my ability to follow up with the original employees who handled my requests. XXXX Commerce Bank staff at this location completely ignored my XXXX in-person request and my XXXX in-person reminder, the account was left wide open for criminals. Between XX/XX/XXXX, and XX/XX/XXXX, unauthorized ATM deposits of checks totaling {$7500.00} and {$70000.00} were allowed to be processed.Disputed XXXX : As of XX/XX/XXXX, the account reflected a balance of {$78000.00} due to these unauthorized activities. I did not make these deposits, I did not write or authorize those checks, and I never authorized anyone to access or withdraw money. Furthermore, Commerce Bank is penalizing me with a negative balance of {$430.00}, claiming I owe them money. I owed {$0.00} when I stopped using this XXXX Bank has completely ignored my fraud claims and has taken no action to resolve this matter. They have failed to protect me under XXXX XXXX Transfer Act ( Regulation XXXX ) guidelines despite my immediate, in-person reporting of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Paid off my car loan with Capital one years ago. My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXes, I have contacted Capital one. Each time the papers were sent out, they were wrong. Wrong dates, wrong lender. I spoke with XXXX supervisors & still the paper work was wrong. This has been going on for 2 months!!!! I cant get a person in the United States to answer my calls. These people dont know what theyre doing. There is no way to contact anyone else. I keep getting the run around. XXXX so tired. I need this paperwork before the insurance company will release my settlement. Ive already lost my job due to no transportation. This is 100 % capital ones fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
I sent a written debt validation request via certified mail to Transworld Systems Inc. regarding an account they are reporting as original creditor XXXX XXXX XXXX. Transworld Systems failed to respond to my debt validation request within 30 days as required under the FDCPA XXXX ( b ). Despite failing to validate this debt, they have continued to report it on my TransUnion credit report. This is a violation of the FDCPA, which requires collectors to cease collection activity including credit reporting until the debt is properly validated. I am requesting that this account be removed from my credit report and all bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX I have a recording of a case XXXX from NCB, XXXX XXXX, XXXX debt collection agent violating the FDCPA cease & desist. I demanded the person to cease & desist under the FDCPA and XXXX XXXX XXXX continued XXXX speak with a raised voice which caused a verbal altercation. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, I spoke to XXXX XXXX to get contact info from the company to send a written dispute. I asked for his ID number and claimed that did not have ID numbers. I Explained to him the situation concerning XXXX XXXX XXXX and that his agent was a liability, and XXXX XXXX was still attempting to collect the debt by asking me if I wanted him to send me a " debt validation '' letter after admitting there was a verbal cease & desist on file. I asked XXXX XXXX why I haven't received the initial Debt Collection letter and XXXX XXXX claimed the letter was sent out on XX/XX/year> which I have yet to receive as of Sunday XX/XX/year>. I am going to send my notice to NCB on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hello, I am having an issue with Chase bank and XXXX XXXX auctioneers. An XXXX representative payment was taken out of my account in mid XXXX for an invoice payment through XXXX auctioneers. Almost XXXX was withdrawn form my account and I can not get in contact with XXXX XXXX auctioneers regarding my funds or items purchased. When I go into XXXX XXXX site it says my payment is pending and this is from XXXX. I have tried getting chase bank to help me and they havent done anything. I have sent emails to XXXX and no response. This is straight theft! XXXX very frustrated as it is a lot of money and I have XXXX young children and a stay at home wife that I neee to take care of. I can send screenshots of the invoice and ACH withdrawl if needed. I appreciate any help as I am very frustrated and struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CA

Complaint narrative:
Account XXXX XXXX # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/year>, my Capital One Card was charged {$3200.00}. The merchant refunded {$160.00} of that original charge later when a small piece of my overall order was cancelled prior to shipment. The net amount I am seeking recovery on is {$3000.00}. The merchant, ( XXXX XXXX XXXX XXXX ) send defective merchandise that was damaged and unsafe. This transaction is a failure of merchantability- under the category of " Goods or Services Not Delivered as Agreed. '' The merchant provided defective merchandise and explicitly refused to honor a return or issue a refund. I made a documented, good-faith attempt to resolve this matter directly with the merchant, as required by law. I even offer a partial refund to settle the matter quickly and without issue. When the merchant refused, I initiated a formal dispute with Capital One and provided absolute proof of my good faith effort to resolve the issue with the merchant. I supplied Capital One with extensive documentation- including the direct email correspondence where the merchant acknowledges the defect, but blames me, and refuses any refund. I followed their return policy to the letter by reaching out to the sales team first to resolve the issue as per their policy. The merchant took no responsibility and only offered a {$1000.00} credit AFTER I opened my dispute with Capital One. Capital One explicitly told me not to engage with the merchant directly once my dispute was open. As such, I did not engage with their {$1000.00} credit offer and waited for the appropriate process to play out. Capital One denied my claim based on a misleading replyu from the merchant to the dispute claim. When I attempted to reopen the dispute with additional documentation, it was denied within an hour- proving Capital One had made no effort to review my case further. Customer service told me to try again. I submitted my documentaiton a third time and was denied again in under an hour. Proving a second time that Capital One made no effort to review my case. By issuing a standard, automated denial and failing to review my case, Capital One failed to conduct a " reasonable investigation '' as mandated by federal law. A credit card issuer can not legally rely solely on an automated merchant response, particularly when that response is a fabrication and the consumer has provided extensive proof of exhausting every effort to resolve the issue with both the merchant and the card company directly. This is a breach of purchase agreement and failure of merchantability. I am requesting that the CFPB compel Capital One to escalate this issue. I have attached my documentation exhibiting my good faith effort to resolve this directly with both the merchant and the card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
As of today XX/XX/XXXX I am filing this complaint against Chase for a clear violation of federal Regulation E ( Electronic Fund Transfer Act ). My Chase debit card information was compromised, and multiple unauthorized fraud transactions occurred on XXXX without my consent. As shown in my statement, Chase actually approved the dispute and issued a " Reversal '' for the oldest transaction from XX/XX/XXXX ( {$31.00} ) and XXXX of the XX/XX/XXXX transactions ( {$100.00} ). However, Chase unfairly denied the remaining XXXX XXXX transactions, which total {$53.00} : XXXX. XX/XX/XXXX : XXXX XXXX- {$50.00} XXXX. XX/XX/XXXX : XXXX XXXX - {$2.00} When I called to appeal, the Chase agent and supervisor wrongfully claimed that because the fraud initially started in XXXX, I should have caught it and reported it earlier to prevent the XXXX transactions. They stated that since I did not do so, Chase is not responsible for the subsequent XXXX fraud. This argument completely violates Regulation E. For a compromised card number where the physical card is NOT lost, the consumer is legally protected for ALL unauthorized transactions as long as they are reported within XXXX days of the statement. The XX/XX/XXXX and XX/XX/XXXX transactions occurred less than a month ago, well within the legal window. The bank can not invent its own rules to blame the victim or refuse fraud protection based on a " prevention '' excuse. Furthermore, when I asked for the agent 's ID to document this wrongful denial, they refused to provide it, stating they only have first names. Their customer service was extremely dismissive, telling me " it's up to you '' when I mentioned filing a CFPB complaint. I demand that Chase reopen this case immediately, follow federal law, and fully refund my remaining {$53.00} ( {$50.00} and {$2.00} ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am filing a formal complaint against LVNV Funding LLC for illegal collection and credit reporting practices regarding XXXX alleged debts for {$310.00} and {$470.00}. I state unequivocally that I do not recognize these accounts, they do not belong to me, and my personal information was compromised in recent widespread data breaches. As a California resident, I am protected by both federal and state consumer preservation laws. LVNV Funding LLC is violating the following statutes : FDCPA 15 U.S.C. 1692g ( b ) : Continuing collection and reporting without validating the debt with original signed contracts bearing my verified signature. California Rosenthal Act ( CA Civil Code 1788 et seq. ) : Prohibits unfair and deceptive debt collection practices, including reporting unverified or fraudulent accounts to credit bureaus.California Code of Civil Procedure 337 : These alleged claims exceed the XXXX California statute of limitations for written contract enforcement. Reporting or pursuing a time-barred debt constitutes unlawful deception. FCRA 15 U.S.C. 1681s-2 ( b ) : Failure of a data furnisher to accurately update or delete unverified or disputed identity theft information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Complaint Regarding Unvalidated Debt Reported by Caine & Weiner To Whom It May Concern : I am filing this complaint regarding an alleged debt reported by Caine Weiner that has not been validated despite my formal request sent some time ago. I sent a written Debt Validation Letter to Caine & Weiner requesting verification and validation of the alleged debt being reported under my name. This request was made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which requires a debt collector to provide verification of a debt upon request, or not report same until th. My request specifically asked for documentation verifying : The existence and legitimacy of the alleged debt ; The amount claimed to be owed ; Documentation showing I am legally obligated to pay the debt ; Proof of Caine & Weiners authority to collect and report the debt. As of today, Caine & Weiner has failed to provide any validation or documentation supporting this alleged debt. Despite my written request, they have not responded with the required verification. Additionally, the continued reporting of this unvalidated debt on my consumer credit reports raises concerns under the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( b ), which requires furnishers of information to investigate disputed information and report accurate information to consumer reporting agencies 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in credit reporting Because Caine Weiner has failed to validate the debt and has not provided documentation demonstrating that the debt is legitimate, the continued reporting of this account is inaccurate, misleading, and harmful to my credit profile. Given the failure to validate the debt after my written request, I am requesting the following resolution : XXXX. XXXX investigation by the CFPB into Caine & Weiners reporting and collection practices. XXXX. Immediate removal of the unvalidated debt from all consumer reporting agencies ( including XXXX, XXXX, and XXXX ). XXXX. Written confirmation that the account has been removed or properly validated with supporting documentation. If Caine & Weiner can not provide proper legal validation of this debt, they should not be permitted to continue reporting it. I respectfully request that the CFPB investigate this matter and ensure compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MI

Complaint narrative:
I am filing an emergency complaint against Selene Finance for systemic bad-faith loss mitigation, portal manipulation, and direct Single Point of Contact ( SPOC ) violations on my XXXX XXXX loan XXXX On XX/XX/XXXX, Selene issued an official letter stating my Request for Mortgage Assistance is valid until XXXX but required XXXX supplemental documents by XX/XX/XXXX. I uploaded all XXXX documents between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, Selene representative XXXX confirmed they were 'Pending Review. ' On XX/XX/XXXX, Selenes portal arbitrarily altered the status of XXXX documents to 'Missing ' with no explanation. When I attempted to re-upload on XX/XX/XXXX, the portal generated error blockages. To ensure compliance, I faxed the complete XXXX packet on XX/XX/XXXX and obtained a successful transmission receipt. On XX/XX/XXXX, representative XXXX issued an illegal verbal denial, falsely claiming I missed the deadline. She then fabricated an unwritten policy claiming applications must be within XXXX days of the initial Unemployment Determination letterrefusing to provide this policy in writing and ignoring modern state portal proof. She explicitly stated my assigned XXXX, XXXX XXXX, was 'too busy ' to speak with me, a direct violation of 12 CFR 1024.40. Selene is actively violating RESPA Regulation X ( 12 CFR 1024.41 ) by trying to force a re-application while my current application is contractually valid through XX/XX/XXXX. Further, they are claiming I did not submit all requested document ; however, I submitted all documents via their portal and via FAX by their deadline of XX/XX/XXXX

Company response to consumer: Closed with explanation