vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
Hi, my NCC File XXXX XXXX XXXXXXXX - I got this in email which is not in my name and it has someone else name .. It shows debt amount of {$77.00}. Its wrong and I don't owe anything, Its under XXXX XXXX but my name is XXXX XXXX. Pls take care of this as its wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc.
State: SC

Complaint narrative:
Paid the company asked them for a pay and delete and they agreed if I was to pay. Was paid XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westcreek Financial
State: NY

Complaint narrative:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Credit Connection LLC
State: NE

Complaint narrative:
To Whom It May Concern, I am filing a consumer complaint regarding a company collecting payments on an auto loan. For over a year, I have been making payments to XXXX for my vehicle loan. However, the Nebraska XXXX still lists XXXX Credit Connection as the lienholder, and the lien transfer paperwork has not been completed. I have never received a notice of loan transfer or assignment. Despite this, the company has continued collecting payments and has even disabled my vehicle remotely in the past. Because the lienholder has not been properly updated and no proof of assignment has been provided to me, I am concerned that this company may be collecting payments without clear legal authority. I am requesting that this matter be investigated and that the company be required to provide proof that it legally owns or services this loan. Thank you for your time and assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
EXHIBIT A SERVICE FAILURE TIMELINE XXXX VA Claims Assistance Client : Self Service Period : XX/XX/year> XX/XX/year> Purpose : Evidence summary supporting card dispute and refund request for services not rendered. XX/XX/year> XXXX retained XXXX for professional VA XXXX claims assistance and paid required service fees. The expectation was that XXXX would provide structured claims support, professional guidance, and documented claim development assistance. XXXX XX/XX/year> XXXX experienced inconsistent guidance and multiple appointment disruptions. XXXX lacked clarity regarding next steps in the VA claims process. These disruptions resulted in lost preparation time and reduced confidence in the services being provided. XX/XX/year> A scheduled appointment was delayed and rescheduled by XXXX. This continued the pattern of service interruptions and further delayed meaningful claims progress. XXXX XX/XX/year> Despite the service relationship continuing during this period, XXXX provided no verifiable proof of completed claim filings, documentation submissions, or confirmation from the Department XXXX XXXX XXXX showing that work had been performed on the client 's behalf. This lack of transparency prevented the client from confirming that services were actually rendered. XX/XX/year> XXXX XXXX XXXX contacted the client from phone number ( XXXX ) to cancel a scheduled XXXX PM same-day appointment, providing only minimal notice. This cancellation represented the latest disruption in an ongoing pattern of inconsistent service delivery. XX/XX/year> XXXX XXXX Due to repeated service failures, lack of documented work product, and the final same-day cancellation, the client formally terminated the service relationship and requested administrative relief and refund consideration. XXXX XXXX failed to provide consistent, verifiable, and professionally delivered VA claims assistance during the service period. The repeated scheduling disruptions, lack of documentation confirming work performed, and the XX/XX/year> same-day appointment cancellation collectively demonstrate nonperformance of the contracted services. The XX/XX/year> cancellation constitutes the final triggering event leading to termination of services and the client 's request for a refund through the card issuer dispute process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: APPLE FINANCIAL HOLDINGS, INC.
State: FL

Complaint narrative:
I have an account with Apple Bank for Savings along with my mother. I have contacted the bank by phone on XXXX occasions : On or about XX/XX/XXXX, I phoned Apple Bank 's customer service number and spoke with XXXX. I provided my name, date of birth and social security number. She asked where the account was opened, and I advised that my parents opened the account over XXXX ago, probably in XXXX XXXX. She asked which branch, and I informed her that I didn't know. I was not added to the account until after my father 's death. I provided the old account number as well. She asked for the XXXX XXXX state ID number that had been used when I added to the account. I advised that I no longer had it, as I moved out of XXXX XXXX XXXX XXXX She asked for my passport number, but I didn't have it with me. I said that I would call back. On XX/XX/XXXX, I called customer service and spoke with XXXX. I explained that my mother had suffered a XXXX and was in essence XXXX XXXX I also advised that my brother had submitted a power of attorney for my mother 's finances and Apple advised that they would have to review in order to determine if they would accept it. That was on or about XX/XX/XXXX. Almost a month later, Apple has not contacted him. XXXX asked for deposits made into the account. I informed him that the last statements that we had were from XXXX. I provided information on XXXX deposits made monthly. He then informed me that I could not access the account because there was no email address associated with the account. I asked him to add my email address and he said that he couldn't. He instructed me to send a letter to Apple Bank XXXX XXXX, asking that an email address be added to the account. This letter was sent on XX/XX/XXXX and delivered on XX/XX/XXXX. XXXX copies of unexpired Real ID were attached to the letter. There has been no response from Apple Bank. I phoned Apple Bank on XX/XX/XXXX and spoke with XXXX. She told me that I was providing too much information. I believe that Apple 's refusal to grant me access to may account is illegal and should be punished. I have conformed with all of their requests and have been met with stony silence. Apple reps have been informed that the family is no longer in XXXX XXXX ( Apple has been informed that I am in XXXX. They are well aware that my mother is in XXXX ). Should it be necessary for me to go to XXXX XXXX to straighten this mess out when Apple has refused to do so, I will seek to recover the cost of the trip.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MS

Complaint narrative:
XXXX XXXX via ICSystems is seeking to collect a debt after services were suppose to be disconnected XX/XX/year>. We vacated the premises XX/XX/year> and later than XX/XX/year> thereabouts. The charges are incorrect. The debt has been placed with about XXXX to XXXX debt collectors. The Disconnect notice displays a disconnect due amount of 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 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have not received any documentation from Midland Credit after many disputes made directly since XX/XX/year>, including through the credit bureaus. Midland Credit Management Inc. has been filing a lawsuit against me that is unjustifiable, as they fail to provide the required written notice of the alleged debt of {$7900.00} within XXXX ( XXXX ) days of initial communication, as mandated under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), which constitutes a violation of federal law. Initiating litigation without first providing a proper validation notice further infringes upon my statutory rights. Such violations may entitle me to statutory damages of up to {$1000.00}, in addition to actual damages, costs, and attorneys fees as permitted under 15 U.S.C. 1692k. I submitted multiple disputes to the credit reporting agencies and directly to Midland Credit Management Inc., requesting reinvestigation and proof of the debt, including documentation showing a valid bill of sale, complete chain of title, assignment records, purchase price, and the original signed application bearing my signature. For example, I filed a dispute with XXXX XXXX Confirmation No. XXXX ). There were no materials provided in response, which concludes insufficient and a failure to establish lawful ownership or clearly link the alleged account to me. My personal information was among the data compromised in the XXXX Data Breach, which exposed the sensitive financial information of millions of consumers. Because of this breach, I have concerns that my personal information may have been misused or inaccurately associated with accounts that do not belong to me. Given that Midland Credit has failed to provide adequate documentation proving lawful ownership of the alleged debt, including a valid chain of title or signed agreement linking me to the account, I believe the alleged obligation may be the result of inaccurate reporting, identity misuse, or records affected by the data breach. Without clear and verifiable documentation establishing ownership and my responsibility for the account, there is no legal basis to hold me liable for the alleged debt. I request the complete removal of Midland Credit Management Inc. and all its affiliate names from all of my consumer credit reports. This request applies to all major credit reporting agencies, including XXXX XXXX XXXX XXXX, as well as any secondary credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am writing to you to request a goodwill adjustment for late payments that is on my accounts. I always make my payments on time and make every effort to fulfill my financial responsibilities but the past few years have been hardship for me due to medical illness at the times of those payments I was not able to work. I say that not to justify why the payment was late but rather to show that the late payments are not a good indicator of my actual historical credit worthiness. I have been a happy customer and I hope to continue my relationship with your company. I hope that you are willing to work with me on erasing these marks from my credit reports. I am now trying to find an apartment and lease a car and I am having trouble doing so due to my XXXX XXXX decreasing due to late payments. I understand that accordance to federal law XXXX. XXXX code XXXX ( XXXX ) ( Ai ) a consumer report does not include information solely as to transactions or experiences between the consumer and the person making the payment.I also understand that according to federal law XXXX XXXX XXXX XXXX ( a ) a creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes I am asking that these late payments be removed from my credit report in response to this letter as gesture of goodwill. I hope you will deeply consider my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am filing a complaint regarding misleading and inconsistent disclosure of available credit and spending capacity on my American Express account. My account displays a Pay Over Time limit of {$5000.00} and showed an available amount of {$1500.00}. Based on this representation, I reasonably believed I could use that amount for purchases. However, transactions were declined at approximately {$750.00}. When I contacted American Express, I was informed that my actual allowable spending was limited by an internal spending power of approximately {$4100.00}, which is not disclosed in my account interface. This creates a material discrepancy between : The available amount displayed to me ( {$1500.00} ), and The amount actually approved ( ~ {$750.00} ) At no point was I notified of any reduction in usable spending capacity. Additionally, American Express states in its own materials that it will notify customers of changes to relevant limits. No such notice was provided. While I understand that this is a no preset spending limit card, the issue is not the absence of a fixed limit. The issue is that the company is displaying a specific available dollar amount that is not actually usable, which is misleading. I relied on the displayed available amount when attempting to make purchases, and those transactions were declined based on undisclosed internal criteria.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
I submitted a Qualified Written Request on XX/XX/year> regarding escrow mismanagement and tax disbursements. The servicer failed to respond within 30 business days and did not provide a valid extension. When they eventually responded, the response was incomplete. They failed to provide key documents, including tax bills, full escrow records, servicing notes, and proof of mailing. The records provided show irregular escrow payments that do not match expected tax amounts, raising concerns that funds may have been misapplied. The servicer also issued and reissued a refund check with inconsistent explanations, further indicating account errors. As a result, inaccurate late payment reporting occurred, which has negatively impacted my credit and ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX XXXX. XXXXRocket Mortgage : My Mortgage balance on my credit report XX/XX/XXXX is incorrect, {$87000.00}. XXXX balance on XX/XX/XXXX was {$71000.00}. As of XX/XX/XXXX per mortgage statement is now, {$70000.00}. XX/XX/XXXX I sent a letter to all XXXX XXXXredit bureaus, the mortgage company was notified but have neglected to correct the inacurracy. I have called them repeatedly since XXXX, the latter XXXX calls to them they state, they are investigating the issue which will take XXXX days. XX/XX/XXXX, I checked my report and it is still showing {$87000.00}. The difference of over {$16000.00} is significantly affecting my credit score, my life and health.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dave Operating, LLC
State: FL

Complaint narrative:
I took out a payday loan from XXXX several times to pay off other payday loans from several other services and I wasn't able to pay all of them back after being stuck in that cycle for over a year. I then received an email from XXXX saying that my debt was forgiven so a few months later I went to try to apply for a new loan and it said that I stored money so I contacted customer support and they told me that I still needed to pay it was a mistake. I didn't escalated the complaint to their superiors numerous times and they all told me the same thing that I still owed the debt and that it was a mistake and it was sent to me by accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding my account with Credit Karma and my inability to access funds that belong to me. My federal and state tax refunds were deposited into my Credit Karma Money account. Shortly after the deposit, I lost the ability to access my account and my funds. Since then, I have been trying to resolve this issue for approximately a month through Credit Karmas live support chat. During this time, I have repeatedly been told that my case would be escalated to higher-level representatives or a specialized team. However, despite being told multiple times that I would be contacted by someone from a higher department, I have never received any communication from them. Each time I follow up through live support, I am told again that the issue will be escalated, but nothing happens. I have also requested that my account simply be closed and that my funds be returned to me if access can not be restored. Even this request has not been fulfilled. Instead, I continue to receive the same response that my case is being escalated to a higher team, yet I never hear from them and still can not access my money. I bought a whole new id because they said the one I had wasnt accepted or my passport. Most of these interactions were over live support chat which I kno longer have access to. This situation has now created a severe financial hardship for me and my child. Because I can not access my own funds that are being held in this account, I have been unable to pay my rent. As a result, my son and I are now facing eviction. I am requesting immediate assistance in resolving this matter. I need either full access restored to my account or for my funds to be released and returned to me without further delay. I also request that Credit Karma provide a clear explanation for why my account has been inaccessible for this extended period of time and why repeated escalation promises have not resulted in any resolution. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
XXXX Bank set the payment of the auto loan on the XXXX Social Security does not hit the bank until the XXXX we have done everything we could to pay in advance or put money in savings to try to pay it on the XXXX but it keeps running late truth refuses to move the due date 15 days ahead or 15 days back to meet Social Security deposits and develop an auto pay so that money will not be seized from our accounts or withhold because a double payment is always due on the XXXX, resulting in withholding of any other deposits made into our account so that we can not live or buy food or pay any other bills. You continued with this cycle for more than 3 years and we can not maintain it it is absorbing our savings and our living expenses through a predatory loan practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX am writing to dispute fraudulent charges on my account in the amount of XXXX opened on XXXX XXXX opened on XXXX XXXX also request that you cease reporting the inaccurate information to all XXXX XXXXreporting agencies (CRAs) to which you provided itXXXXPlease add a promotional suppression to all non-account holding inquiries over 30 days oldXXXX XXXX XXXXPlease remove the addresses that do not belong to meXXXX XXXX XXXX XXXX XXXX XXXXXXXXEnclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter and send me a written explanation of your findings and actionsXXXXSincerelyXXXX XXXX XXXXEnclosuresXXXXIdentity Theft ReporXXXXCredit report with disputed information indicated.XXXXFTC Notice to Furnishers of Information'

Company response to consumer: Closed with explanation