vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized XXXX peer-to-peer transfers from my Chase account. I did not authorize these transactions and did not send this money. My account was compromised. 

These transactions occurred in XX/XX/year>. I became aware of the unauthorized activity and contacted Chase to dispute the charges. Chase denied my claim stating that it was a third-party and peer-to-peer transaction and later cited the XXXX limit. Representatives also refused to assist and disconnected the call. 
Transections are as follows XXXX. XXXX USD XXXX. XXXX USD XXXX. XXXX USD I am a victim of unauthorized electronic fund transfers and identity theft. Under Regulation E, unauthorized transfers must be investigated. I did not provide authorization, did not send the funds, and did not approve these transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Braviant Holdings, LLC
State: CA

Complaint narrative:
Found out that this company is charging over 248.9944 % interest on the small loan which I have read is not legal. They will not allow an early payoff amount and require full interest charge of XXXX to be paid on top of the initial loan amount. They have already taken out 2 payments of XXXX on XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I have been attempting for several months to pursue a Deed in Lieu of Foreclosure with my mortgage servicer Rushmore servicing. I completed and submitted the required Statement of Information and supporting documents multiple times via fax and email.

The servicer repeatedly claims the documents were not received or illegible, yet has never provided written confirmation of receipt, nor issued the complete Deed in Lieu/Mortgage Release package for execution.

I am actively seeking loss mitigation, and the servicers failure to acknowledge receipt, provide next steps, or issue a written determination has caused unreasonable delay while foreclosure proceedings continue.

I am requesting that the servicer be required to : Confirm receip
t of my documents in writing Provide the complete Deed in Lieu package.

Assign a loss mitigation representative and communicate in writing I am seeking resolution and transparency, not delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Shellpoint Mortgage Servicing lifted a foreclosure hold and cancelled my loan modification on XXXX, stating my name was not on the deed. 
XXXX. Shellpoint in no way notified me of this change, I have NO record of phone calls, emails, or notices, paper or on my online account. 
XXXX. I provided Shellpoint with multiple emails 6 months prior containing all documentation proving my name to be the ONLY name on the deed, as shown on the affidavit of succession I provided from my attorney showing my name being recorded in the state of AZ in XX/XX/XXXX. They received this on XXXX different occasions, the last of which XX/XX/XXXX. 
XXXX. Upon learning of the execution of foreclosure, and ultimate sale of my home on XXXX XXXX, XXXX, I called Shellpoint and was told they had not recorded that information and was promptly told, your name is not on the deed, and therefore your loan modification was cancelled, and foreclosure pursued. 

I have emails showing I provided Shellpoint with all requested documents. I have proof they did not reach out to me to request anything before cancelling my loan modification, and all documents relevant to the illegal sale of my Home, contain only the names of my deceased parents, my name XXXX XXXX XXXX is listed no where throughout the transaction. The firm, XXXX and XXXX in XXXX, Az, handling the sale, hired by Shellpoint, also does not have my name anywhere, thus proving Shellpoint passed along INCORRECT, NOT CURRENT information. In addition, I have left multiple voicemails/emails for XXXX and XXXX, informing them of the misinformation and wrongful sale, and have not received a return phone call.

As well as, the credit reporting of this offense is also false, this will also have to be corrected. 
This foreclosure is not valid.

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 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Hello, I am writing to formally request assistance regarding an ongoing issue with my mortgage servicer, Freedom Mortgage. 

I purchased my home in XX/XX/XXXX using a conventional loan with a fixed interest rate. This loan was originated without Private Mortgage Insurance ( PMI ). Despite this, Freedom Mortgage has incorrectly coded my loan as having PMI and has failed to correct this error for over three years. 

Since XXXX, I have contacted Freedom Mortgage annually to resolve this issue. During multiple calls, representatives reviewed my original loan documents with me and confirmed verbally that my loan has never included PMI. I have also been transferred to other departments where this was again confirmed. However, despite these acknowledgments, Freedom Mortgage has repeatedly failed to correct the internal coding of my loan. 

As a result, I continue to receive PMI/MIP cancellation denial letters, even though PMI has never existed on my loan and therefore can not be canceled. 

I have provided Freedom Mortgage with the following documentation : My original closing/settlement statement, which shows no PMI Escrow statements from the original mortgage company confirming no PMI Original loan documentation from XXXX validating that PMI was never part of the loan Freedom Mortgage already has these documents on file, yet they continue to ignore the error and send incorrect correspondence. 

I have again spent significant time on the phone attempting to resolve this matter, including a recent call exceeding 55 minutes. While the representatives are polite, the issue remains unresolved year after year. This ongoing failure has caused unnecessary stress and wasted time, and it appears the company is not taking adequate steps to correct a known servicing error. 

I am requesting your assistance to ensure Freedom Mortgage : Corrects the erroneous PMI coding on my loan Ceases sending incorrect PMI-related correspondence Confirms in writing that my loan has never included PMI XXXX XXXXXXXX XXXX ( to retrain this supervisor and pull the call ) XXXX XXXXXXXX XXXX ( to praise for her wonderful and thorough service ) Thank you for your time and assistance. I am happy to provide any additional documentation needed. 

Sincerely, 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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX, XXXX unauthorized ACH transfers were made from my Wells Fargo account to XXXX, one in the amount of {$950.00} and the other in the amount of {$4100.00}. I did not authorize either transfer, and I was not aware of them until I discovered the transactions on my account statement. Upon discovery, I filed a fraud report with Wells Fargo on XX/XX/XXXX to recover the lost funds. 

When filing the report over the phone, I clearly informed the Wells Fargo representative that I did not request the transfers and was not aware of them at the time they occurred. Despite this, Wells Fargo later falsely attributed to me a statement claiming that I had authorized the transactions and later changed my mind. I want to make it clear that at no point did I ever authorize these transfers, and I explicitly told the representative that the transactions were unauthorized. 

The initial claim was misclassified by Wells Fargo as a transaction dispute rather than a fraud/unauthorized ACH claim under Regulation E. After reviewing the claim in this incorrect category, Wells Fargo closed the case. When I requested that the claim be reopened properly as a fraud/unauthorized ACH claim, I was informed that this could not be done per policy. Wells Fargo offered to conduct a telephone review, but stated that this review was solely for training purposes and would not result in reconsideration of my claim or initiate a new investigation. As a result, my claim remains unresolved and I have no recourse through Wells Fargos internal processes to recover these funds. 

XXXX, the originating institution for the ACH debits, has also refused to review my claim. Per their policy, they will not investigate fraud claims that could result in a negative account balance if ruled in my favor. This has left me unable to recover the funds from either institution, despite the fact that the transfers were clearly unauthorized.

Regulation E provides protections against unauthorized electronic fund transfers, including the right to dispute ACH debits that were not authorized by the account holder. Wells Fargos refusal to reopen the claim or conduct a proper fraud investigation, combined with XXXX refusal to review the claim, leaves me without a method to recover funds that were removed from my account without my consent.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act National Credit Agency 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692d : For harrassment or abuse in debt collection.

No letter was sent from this agency and can not prove debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Thaxton Investment Corporation
State: OK

Complaint narrative:
I paid the debt owed to the original creditor on two separate occasions when I borrowed and paid my debt. I do not owe anything to the random " XXXX XXXX XXXX '' stated on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 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: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I opened a dispute with SoFi bank for a missing {$190.00} transferred from SoFi back to XXXX XXXX SoFi bank did a charge back of {$190.00} on XX/XX/XXXX they denied the dispute on XX/XX/XXXX and said they sent the same {$190.00} back to XXXX XXXX  has not received the {$190.00} back. SoFi bank will not give me my {$190.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Best Buy opened a credit account in the state of XXXX on the balance is {$980.00}. Credit Collector XXXX XXXX XXXX XXXX XXXX XXXX is calling attempting to collect this amount. Per the representative, this account was opened on XX/XX/year>, in XXXX, Massachusetts. There was only purchase done on that date. The statements were being sent to an address XXXX, PA. I have never lived nor visited either one of these states in my life. I have never purchased any item on credit from this store. XXXX claims that they investigated this account and found it verifiable, which I do not understand how. I have lived in Arizona for about 50 years.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: HYUNDAI CAPITAL AMERICA
State: CT

Complaint narrative:
I had a lease expire with hyundai XXXX XXXX in XXXX of XXXX  I paid Hyundai XXXX XXXX {$510.00} for the full car taxes owed for XXXX. I need to be refunded for the taxes because I did not have the vehicle for most of XXXX and the town of XXXX, CT refunded XXXX  for {$290.00} for that reason. This money is owed to me because I already paid XXXX in full. I will attach all documentation.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Account XXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a call from Bank of Americas credit reporting department informing me that they would not remove a single 30-day late payment from my credit history. I am submitting this complaint to request executive-level reconsideration. 

I acknowledge that a payment on this account was reported as 30 days late. This was an isolated oversight after maintaining this account in good standing since XX/XX/XXXX, with no prior 30-day late payments in my credit history. Once I became aware of the issue, the account was immediately brought current, and safeguards have been put in place to prevent recurrence. 

Over nearly 21 years as a customer, I have consistently demonstrated responsible credit management. This single late payment does not reflect my overall credit history or risk profile, yet it has resulted in a disproportionate negative impact on my credit score. 

Prior to filing this complaint, I contacted Bank of America customer service and later spoke directly with their credit reporting department. Despite my long-standing relationship and otherwise perfect payment history, I was advised the late payment would not be removed. 

I am not disputing the accuracy of the reporting. I am respectfully requesting a discretionary or courtesy review of this single late payment in light of my nearly 21-year history, prompt corrective action, and strong overall credit profile. 

I am seeking reconsideration and removal of this isolated late payment from my credit report. 

Thank you for your time and review.

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 2026-01-12 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: PA

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX I called Jefferson Capital because they were contacting my mother about my debt and asked them to change the phone number because Jefferson capital changed the phone number on my account to my moms. Today I get notified from my dad that he is now being communicated. And I did not change the phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: NC

Complaint narrative:
My credit card was charged 4 times fraudulently for a XXXX XXXX subscription that I did not purchase. During the time that my card was charged, my XXXX account showed there was no active TV subscription. So, I was being charged for the service without there ever being documentation in my account of access to the service or purchasing the service. I had given XXXX, XXXXXXXX XXXX parent company, my card information before. I did not catch the charges until Id paid my credit card bills, so XXXX XXXX will do nothing for me. I was charged {$89.00} on XXXX XXXX XXXX XXXX XXXX. This totals {$350.00} in fraudulent charges. I submitted a claim with XXXX and they refused to refund 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 2026-01-12 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: TX

Complaint narrative:
I am disputing the following charged-off account on my TransUnion credit report. I do not believe this account is being reported in a complete or accurate manner, and it is negatively impacting my credit profile. 

Disputed Account : XXXX Account Number : XXXX Date Reported : XXXXXX/XX/year> Balance : {$4100.00} I respectfully request that TransUnion conduct a full investigation and delete this account if it can not be properly verified, validated, and shown to be accurate under the Fair Credit Reporting Act.

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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Mercury Financial Intermediate LLC
State: NV

Complaint narrative:
I am filing this complaint regarding unauthorized fraudulent transactions on my Mercury credit card. 

I notified Mercury promptly after discovering the fraudulent charges. I did not authorize these transactions, did not participate in them, and did not benefit from them. Despite notification, the fraudulent transactions have not been permanently removed and the account has not been corrected to a XXXX balance. 

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 CFR 1026.13 ), Mercury is required to promptly correct billing errors involving unauthorized charges and may not hold me liable for fraud. 

Continuing to carry a balance, assess interest or fees, or delay correction after notice of fraud constitutes noncompliance with federal law and causes ongoing consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Bureau, Inc.
State: MS

Complaint narrative:
UN COLL TOL is falsely reporting on my credit. I have never had any accounts with them. Per my research UN COLL TOL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation