vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Servicer : Mr. Cooper Loan Number : XXXX Payoff Date : XX/XX/year> Escrow Refund Amount : Approximately {$7100.00} I am filing a complaint regarding Mr. Coopers failure to timely remit and clearly document the refund of my escrow balance following payoff of my mortgage loan.

My loan was paid in full at closing on XX/XX/year>. Mr. Cooper has acknowledged that an escrow refund is owed to me in the amount of approximately {$7100.00}. I was informed via customer service chat that a check was allegedly mailed on XX/XX/year>, however I never received it and was not provided any formal written confirmation. I have made several attempts to speak with Mr. Cooper via their phone support number with no success. 

Despite multiple requests, Mr. Cooper has refused to provide a written summary of actions taken, including : Confirmation of original check issuance details, confirmation numbers, and void status Exact refund amount ( s ) Mailing method and date of reissuance, as well as confirmation numbers or other details to track status Address verification ( their chat responses are very informal. For example, when I ask for the address where the checks are sent, they have responded without a zip code, city, and state ).

While I have now been told the check ( s ) will be reissued, Mr. Cooper continues to decline providing written documentation of the reissue details. As of today, the escrow funds remain outstanding well beyond the required timeframe following payoff. 

I am requesting regulatory assistance to ensure prompt remittance of the escrow funds and appropriate written confirmation of the actions taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
Communicated with XXXX different employees ( XX/XX/XXXX to XXXX ) to include the USAA Complaint depth. Conclude that USAA has the wrong employees or they just don't care. Account for 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 2025-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I do not recognize this account and have no knowledge of this debt. 
The company has attempted to collect money from me fraudulently multiple times. 
I dispute this account as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercari, Inc.
State: AR

Complaint narrative:
I disagree with Mercaris response and believe it contains false statements, mischaracterizations of the facts, and an improper application of their policies.

1. The item was shipped with contents, which is proven by objective evidence. 
I provided a XXXX receipt showing the weight of the package at drop-off, which is inconsistent with an empty box or a box containing only a small bottle of XXXX. Mercaris response ignores this verifiable evidence entirely.

2. The buyers claim changed and was not investigated.

The buyer initially claimed the package was not as described, then alleged the box contained only a free gift. These conflicting claims should have triggered a fraud review. Mercari accepted the buyers statements without any investigation or verification.

3. Mercari approved the refund before completing a fair review.

Mercari issued a refund to the buyer before resolving whether the item was actually shipped with contents, leaving me financially harmed without due process.

4. Mercari misrepresents my actions regarding the return.

I objected to the return because Mercari had already refunded the buyer, making a return illogical if the buyer claimed there was no item inside the box. Canceling a return under those circumstances should not eliminate seller protection when proof of shipment exists.

5. Mercari failed to properly apply its Shipping Protection policy.

I complied with shipping requirements, used Mercari-approved shipping, and retained proof of shipment and weight. Denying coverage despite this evidence contradicts the stated purpose of Shipping Protection.

6. Mercaris conclusion is unreasonable and unsupported.

Mercari states there is insufficient evidence, yet disregards neutral third-party evidence ( XXXX weight receipt ) while relying solely on buyer-provided photos, which do not prove the package was empty at shipment.

Resolution Requested : I am requesting that Mercari : Reverse the denial and issue my {$170.00} payout, or Provide a documented, evidence-based explanation addressing the UPS weight receipt and why it was disregarded.

Mercaris handling of this dispute demonstrates an unfair and deceptive practice that places all risk on sellers, even when objective proof is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC
State: CO

Complaint narrative:
Received a letter stating that if I do not pay could be sued.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Formal request method of verified debts, lock and freeze on XXXX To all credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I attempted to make the final payment on my BMW vehicle, which had a purchase price of over {$150000.00}. Although BMW Financial Services submitted the payment, it did not clear due to a temporary shortage in my bank account. 

Despite this, I received a text message from BMW stating that the final payment had been made and that my title was being processed. When I reviewed my bank account and saw that the payment had not cleared, I immediately contacted BMW Financial Services to notify them of the issue. 

The representative I spoke with stated that BMWs system showed the account as paid in full. I explained clearly that the payment had not gone through on my end and that I would ensure the payment was made. As stated, I resubmitted the payment the next day, and the funds were successfully withdrawn on XX/XX/year>. 

After the payment cleared, BMW Financial Services began contacting me again demanding payment for the same amount. I spoke with multiple representatives and supervisors and repeatedly explained the full sequence of events. Their response was that if I paid again, they would later issue a refund. I explained that doing so would incorrectly make it appear that I was late on my obligation, which is not accurate, as the payment was already made and cleared on XX/XX/XXXX. 

Despite having proof of payment and being instructed to submit documentation to their Document Department, which I did, BMW Financial Services failed to resolve the issue. Instead, they reported inaccurate negative information to the credit bureaus, causing serious damage to my credit.

This situation has caused me financial harm and XXXX, especially after making a significant investment in their product. BMW Financial Services has failed to act professionally, failed to correct known errors, and failed to comply with their obligation to report accurate information under the Fair Credit Reporting Act ( FCRA ). 

I am requesting CFPB assistance to require BMW Financial Services to : Correct my account to reflect that the payment was properly made and cleared on XX/XX/year> Remove all inaccurate negative credit reporting related to this matter Provide written confirmation that these corrections have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
I am disputing the accuracy of a {$300.00} collection account being reported by Nationwide Capital Services, with XXXX XXXX XXXX listed as the original creditor. This collection is being reported without proper verification or documentation establishing that the debt is valid, accurate, or legally owed. 

The furnisher has failed to provide evidence of a reasonable investigation as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i, and 1681s-2 ). I have not been provided with a signed contract, complete payment history, itemized balance, or proof of assignment giving Nationwide Capital Services the legal authority to collect or report this debt. 

I am requesting that the CFPB require the furnisher to fully substantiate this {$300.00} collection or remove it from my credit reports if it can not be verified. Continued reporting of an unverified collection is causing ongoing financial harm.

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 2025-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am submitting this complaint because my Chase Freedom XXXX  credit card account was unintentionally closed after an accidental selection of a repayment plan through the Chase mobile app. I did not understand, nor was it clearly disclosed, that selecting this option would permanently close the account.

This selection was made in error. Once we realized what had happened, we immediately attempted to correct it. However, despite contacting Chase multiple times, including secure messages and phone calls, the issue was not resolved.

We were told by a supervisor that nothing could be done because payments had already been made under the plan. This was extremely frustrating, as Chase did not respond to our earlier outreach in a timely manner, and the delay directly limited our ability to address the issue sooner.

Failure to respond I sent a secure message through the Chase system and received no response for over 11 business days. During this time, the account remained closed and unresolved. This lack of response prevented us from understanding our options or taking corrective action within any alleged internal timeframes.

Rewards removal In addition, all accumulated reward points associated with the account were removed. When we raised this issue, we were told that the timeframe to redeem rewards had passed. This is unreasonable given that the account closure and repayment plan enrollment were being actively disputed and Chase failed to respond in a timely manner.

The loss of reward points occurred as a direct result of an accidental app selection and Chases failure to promptly address the dispute.

Impact and resolution requested I am concerned about the negative impact this situation may have on my credit and financial standing. I am requesting : 1. A full review of the accidental repayment plan enrollment and account closure 2. Written clarification regarding how this closure will be reported to credit bureaus 3. Restoration or appropriate compensation for the removed reward points 4. A written response explaining why no timely response was provided to my secure messages I am requesting that this matter be reviewed by Chases Executive Resolution Team and that all communication be handled in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: MD

Complaint narrative:
I was charged approximately {$600.00} by Credit Sage through misleading and deceptive sales practices. {$240.00} was charged on XX/XX/year> and {$350.00} was charged on XX/XX/year>. The full costs and recurring billing terms were not clearly disclosed, and services promised were not delivered as represented. 

After realizing this, I revoked authorization and requested cancellation, including stopping a {$99.00} recurring charge. I am requesting a full refund and confirmation that all recurring charges have been permanently stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information appearing on my consumer credit report. The account listed below is being reported incorrectly and must be investigated under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 
Account Information : Creditor/Collection Agency : SOUTHWEST RECOVERY SER Account Number : XXXX Amount Reported : {$3400.00} This account is inaccurate because : I do not recognize this account Please conduct a full reinvestigation and provide documentation verifying the accuracy of this account. If you can not verify its accuracy, it must be deleted from my credit report immediately. 
Please send me updated copies of my credit report and the results of your investigation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX [ Your Printed Name ] XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Branch Messenger, Inc.
State: FL

Complaint narrative:
My bank has held disputed funds since XX/XX/XXXX without issuing provisional credit or clear updates. I am requesting immediate resolution. Failed to give a clear written reason why they didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX, I applied to refinance my primary residence. Suncoast Credit Union ordered a residential appraisal in XX/XX/XXXX. A prior appraisal from XX/XX/XXXX had established a stabilized value of {$250000.00} after required repairs. Despite substantial additional improvements since then, the XX/XX/XXXX appraisal concluded a lower value of {$240000.00}. 

After reviewing the appraisal, I requested a Reconsideration of Value ( ROV ) and asked for clarification on the valuation and comparable selection. Suncoast later disclosed that its Collateral Underwriter ( CU ) system assigned the appraisal a risk score of XXXX, flagged a heightened risk, and identified more appropriate comparable sales than those used by the appraiser. 

Despite these CU findings, Suncoast refused to order an independent desk review, refused to allow a second appraisal even at my expense, and routed my escalation back to the same mortgage department that had already accepted the appraisal. My requests for a clear escalation pathway and a meaningful, independent review were denied.

I also raised concerns about the appraisal process, including comparable selection prior to inspection, discussion of value before inspection, refusal to consider relevant prior appraisal information, and questionable photo representation related to smoke detector installation. These concerns were not meaningfully addressed in the XXXX response. 

Suncoast ultimately issued a Notice of Action Taken citing Value or type of collateral not sufficient, confirming the appraisal was the sole reason credit could not be offered on the requested terms. Suncoast stated that no further internal review would occur.

I believe Suncoast failed to ensure appraisal independence and failed to provide a good-faith review of a CU-flagged high-risk appraisal, resulting in consumer harm and unnecessary appraisal expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My vehicle was repossessed at XXXX XXXX on XX/XX/2025. I contacted the company that day and was told to call back on Friday. When I called back on Friday the operator told me that it would take ten days to get the paper work. After I informed him that under New York Law, they have to provide me with that information within 72 hours.

After hearing this he told me that it is actually three business days. Confused, I hung up. After checking NY law, I found out that what he had told me was incorrect. In fact, it is 72 hours NOT three business days. I felt as though this company didn't even care about the fact that they took my truck in the middle of winter.

Angry, I called back. Finally was able to speak with a supervisor, the escalation department, and was told they would try to expedite the paperwork and for me to call back after XXXX XXXX 

I called back at XXXX XXXX and was given the exact same runaround as the first operator gave me that morning. I had to call back two more times before speaking with a supervisor. That person told me the contract was under California law and that Ally did not have to follow NY law. I argued and he actually hung up on me.

Many calls later I reached another supervisor who told me the same thing. Again, i called back many times and finally was put in touch with a supervisor that was willing to try and help. She told me that she would look into expediting the paperwork and told me to call back on Saturday. On Saturday, everyone acted like this was the first time I called, no one said anything about any effort to expedite the paper work. 

I live in XXXX XXXX New York, right on XXXX XXXX. It is winter and I can not be without my vehicle. I just want the information I need to pay what owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Revco Management, LLC
State: NY

Complaint narrative:
XXXX"On XXXX XXXX I was received treatment at XXXX XXXX XXXX for my XXXX  and this was on referral from my Primary Care Doctor XXXX   from XXXX XXXX XXXX XXXX XXXX. During this exercise of treatment, I used my  XXXX XXXX XXXX XXXX  to cover my bills and  no one told me about the bill. On contrary, I received a bill of XXXX to pay.\nAs you may be aware of I'm new  lawful permanent resident in XXXX. Our Medical bills and expenses are covered under my Insurance. I would request you to allow me some weeks to consult with my Insurance and cover the bill in a short period of time.\n\nYours sincerelyXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief