vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Solar Mosaic LLC
State: IL

Complaint narrative:
Solar Servicing LLC took over for Mosaic when they declared bankruptcy. They are saying that I owe them money for solar panels never installed. My dispute is not about modifying or cancelling a valid loan. My dispute is that no valid loan ever existed because the solar panel system was never installed. Here are the key facts of my situation : I signed up for solar panels but cancelled the project before any installation occurred. No equipment was delivered, no work was performed, and no system was installed on my property. Despite this, Mosaic ( or its related entities ) attempted to hold me financially responsible for a loan tied to a solar system that does not exist. A lender can not enforce a loan for goods or services that were never provided. My dispute is about fraudulent or invalid loan origination, not about changing the terms of a legitimate loan. Regarding the bankruptcy notice : I understand that the XXXX XXXX can not modify or cancel loan obligations. However, my position is that there is no legitimate loan obligation to modify, because the underlying transaction never occurred. The bankruptcy does not erase my right to dispute an invalid or improperly originated loan. My dispute is not a claim for payment in the bankruptcy it is a challenge to the validity of the loan itself. I am requesting that this account be permanently closed, removed from my credit reports, and that all collection attempts stop, because the loan was never validly created. I am also requesting documentation showing : XXXX. Proof that any solar equipment was delivered to my property XXXX. Proof that any installation occurred XXXX. Proof that I authorized Mosaic to fund a loan after cancellation XXXX. A copy of the signed completion certificate ( which should not exist ) If Mosaic or its successors can not provide these documents, then the loan is invalid and must be removed. Please Respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: EGL US, LLC
State: NC

Complaint narrative:
This company advertises loans for federal employees with the option to refinance. My account says that I needed to make XXXX payments to be qualified to refinance my loan. I have made well over thirty payments and when I try to refinance, the website says they do not offer loans to federal employees. My interest rate is astronomical, seemingly has increased and the loan is predatory. I need to refinance to be able to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint Against U.S. Bank Failure to Properly Apply Regulation E I am submitting this complaint regarding U.S. Banks handling of a XXXX fraud dispute and its apparent failure to properly evaluate the transaction under the Electronic Fund Transfer Act ( EFTA ) and Regulation E ( 12 C.F.R. Part 1005 ). On or about XX/XX/year>, I sent a XXXX payment in the amount of {$800.00} to a party representing itself as XXXX XXXX XXXX XXXX XXXX XXXX for the purchase of goods. The transaction was induced by material misrepresentations regarding the existence and delivery of those goods. The goods were never delivered, and the recipient ceased communication after receiving payment. Upon discovery of the fraud, I promptly notified U.S. Bank and disputed the transaction. U.S. Bank denied my claim, stating that the payment was made according to the instructions provided. A second review resulted in the bank stating that the matter had already been investigated after specifically requesting review using Regulation E ( 12 C.F.R. Part 1005 ).. U.S. Bank appears to have classified this transaction as authorized solely because I entered the recipient information. However, my authorization was obtained through fraud and material misrepresentation. The bank did not explain how it evaluated fraud-by-deception under Regulation E, nor did it provide a detailed explanation of its investigative findings or regulatory basis for denial. I am requesting that U.S. Bank : Confirm whether it evaluated this matter as a Regulation E error claim involving fraud and misrepresentation ; Provide the factual and regulatory basis for determining the transaction was authorized despite inducement by deception ; Confirm that all Regulation E investigative requirements and error-resolution procedures were followed ; and Reconsider the claim in light of fraud-by-deception principles. I believe U.S. Banks handling of this dispute may reflect a misclassification of a fraud-induced electronic transfer and a failure to conduct a reasonable error investigation as required by Regulation E. I am seeking proper regulatory review and correction of this matter. Regards, XXXX XXXX Account Ending in 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 2026-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: PulteGroup, Inc.
State: OH

Complaint narrative:
I am filing this complaint against Pulte Mortgage LLC for violations of the Equal Credit Opportunity Act ( ECOA ) Regulation B and the " Ability to Repay '' ( ATR ) standards under the Truth in Lending Act. On XXXX XXXX, 2026, Pulte Mortgage LLC issued a new Loan Estimate and a federal Disclosure Package for a solo mortgage application on Lot XXXX in the XXXX XXXX community. This application followed a material change in financial circumstances where a previous co-signer withdrew from the transaction. The financial facts of the solo application are as follows : Gross Monthly Income : {$7000.00} ( verified via paystubs provided to the lender ). Proposed Monthly Housing Payment : {$4000.00} ( per the Loan Estimate dated XXXX/2026 ). Existing Monthly Debt Obligations : Approximately {$4600.00} ( from existing investment property mortgages and revolving credit ). Calculated Debt-to-Income ( DTI ) Ratio : Approximately 122.5 %. Under federal ATR standards and secondary market guidelines, a 122 % DTI is mathematically un-approvable. Despite this, the lenders representative has refused to issue a formal Adverse Action Notice ( denial letter ). Instead, the lender is attempting to keep the file in an indefinite " active review '' status to explore alternative rates and " buy-down '' options that I have explicitly rejected in writing. The lender is intentionally withholding the legally mandated denial letter to assist their affiliated builder, XXXX XXXX XXXX Ohio, XXXX, in bypassing the financing contingency within the Home Purchase Agreement. By delaying the denial, the builder is attempting to claim a voluntary default under the contract to seize my {$15000.00} earnest money deposit. I have fulfilled all document requests and signed all disclosures as of XXXX XXXX, 2026. I have formally instructed the lender to render a decision on my solo income as-is. The lenders failure to provide an Adverse Action Notice within the timelines required by ECOA Regulation B, given the undeniable mathematical failure of the loan, constitutes a bad-faith effort to cause financial harm and circumvent consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
TO THE CONSUMER FINANCIAL PROTECTION BUREAU : I am submitting this formal complaint in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding inaccurate or unverifiable information being reported on my credit file. Despite efforts to resolve this directly with the credit reporting agency and/or data furnisher, the issue remains unresolved. DISPUTED ACCOUNT DETAILS : XXXX BANK ACCOUNT NUMBER ( XXXX ) : I do not recognize or acknowledge this account as accurate, valid, or legally verifiable. I requested validation and/or documentation to confirm the debts legitimacy, but have not received any adequate response. The following concerns apply : 1 The reporting party has not provided evidence that I opened this account or agreed to its terms. 2 There is no documentation proving the legal transfer or assignment of the debt, if applicable. 3 The credit bureau has continued to report this account without verifying its accuracy, which violates 15 U.S.C. 1681i. 4 This account is causing harm to my credit profile and is being reported without a valid legal basis. I have attached the dispute letter I sent to the credit reporting agency, along with copies of my identification, proof of address, and the credit report showing the disputed entry. I respectfully request the CFPBs assistance in resolving this matter and ask that this unverifiable and potentially illegally reported item be permanently removed from my credit file. Thank you for your attention and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Dear Rocket Mortgage / Mr. Cooper Resolution Department, I am writing in response to your correspondence dated XXXX XXXX, 2026, regarding Case Number XXXX. I respectfully dispute your conclusion that no error occurred and request a reinvestigation and a fair resolution. Your response states that my online account was not registered and that autopay enrollment was not completed. This is not accurate. On XXXX XXXX, 2025, I : Successfully created my online account with Mr. Cooper, and Set up automatic payments ( autopay ) through my online account, with a start date of XXXX XXXX, 2025. Please see attached for reference. I received email confirmation on XXXX XXXX, 2025, that my online account had been created and autopay had been established. I personally established autopay through my Mr. Cooper online account, separate from and not reliant on any temporary autopay arrangement related to the servicing transfer. Based on these confirmations and your response in XXXX XXXX. XXXX, it was reasonable for me to conclude that my account registration and autopay enrollment were fully completed. This demonstrates that I took timely and reasonable action to ensure my mortgage payments would be made on time. Given this, the conclusion that autopay was not completed does not fully reflect the actions I took or the documentation available. At a minimum, this indicates that the investigation did not fully consider all relevant evidence, including my autopay enrollment confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
A third-party debt collections agency, CREDIT MANAGEMENT COMPANY XXXX is reporting three separate medical debt collection accounts on my credit report with Equifax and TransUnion, in the amounts of approximately {$930.00}, {$1400.00}, and {$690.00}. These debts were previously disputed with prior collections agencies who then sold the accounts to CREDIT MANAGEMENT COMPANY without resolving the disputes. Under the CFPB 's 2025 rule eliminating medical debt from consumer credit reports, none of these accounts should be reported. Despite this rule being in effect, CREDIT MANAGEMENT COMPANY continues to report all three medical debts, which is actively damaging my credit score and negatively impacting my ability to qualify for housing. I am requesting that the CFPB require the immediate removal of all three medical debt collection accounts from all credit bureaus and that CREDIT MANAGEMENT COMPANY be held accountable for continued reporting in violation of current consumer protection rules and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
{$1000.00} Please remove this debt I did not authorize this company permission to my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
5,407 0XXXX/2021 Im disputing it now, because its Freud.

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 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
After asking a branch employee if there would be a hold on a certified check. I was told there would be a 2 day hold. I proceed to execute the deposit. After the 3rd business day I called asking to release my funds. They denied my right to know a reason why it was being held and one supervisor gave me false information, saying I would receive it in a Saturday. Deposit date XX/XX/year> XXXX complaint XX/XX/year>. I advised them that regulation CC ensures that the consumer has the right to know the reason why and what date the funds would be available. Supervisor XXXX said it was suspicious activity, but denied saying what the suspicion was. Supervisor XXXX kept saying terms and condition from Navy federal. She also insinuated that Navy FederaXXXX terms and conditions superceedes CFPB or regulation CC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>2026 around XXXX am my XXXX phone number was compromised through a eSIM swap attack when I was on the A train going on around XXXX XXXX XXXX XXXX Using access gained through this attack, an unauthorized individual physically entered the Citibank XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX on XX/XX/XXXX and withdrew {$800.00} cash from my checking account. On XX/XX/XXXX at approximately XXXX PM, another unauthorized in-person withdrawal of {$5000.00} was made at the Citibank branch XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. I was not present at either location and did not authorize either transaction. Approximately {$35000.00} total was stolen in total around 41 transactions On XX/XX/XXXX, I visited a Citibank branch in person to freeze my account. I followed up by phone and in person on XX/XX/XXXX and XX/XX/XXXX to confirm the freeze but money was still being taken out. A police report has been filed # XXXX I have also contacted the FTC and submitted an identity theft report. My primary concerns are : Two unauthorized in-person cash withdrawals were approved at two separate staffed Citibank branches on consecutive days. Citibank branch staff either failed to verify the identity of the individual or accepted fraudulent identification. I have requested full reimbursement under Regulation E ( 12 CFR 1005 ) and have not yet received provisional credit. Surveillance footage from both branches is at risk of being overwritten. I have requested preservation but have no confirmation from Citibank that footage is being retained. I have been unable to get adequate assistance through regular customer service channels. I am requesting full investigation and reimbursement of all unauthorized transactions, preservation of surveillance footage, and cooperation with law enforcement.

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 monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Dealing with provider of income share agreement
Company: Nelnet, Inc.
State: OR

Complaint narrative:
It has been ten years or longer, since I have been in school to become a primary teacher, I have had my fed loans in XXXX XXXX scraping by with jobs not careers, my fed loans have been 0 dollar repayment for 10 years, I paid ending balance to navient of full loan of XXXX which was ending XXXX or so to navient so they would stop harrasing my co signer and I. I just recently saw the law suit against Refunds from Navient XXXX XXXX XXXX the news. will I be apart of this? I went to XXXX after getting my associates from XXXX XXXX XXXX, and then transfered to XXXX for my bach science to which I could not finish due to expensive tuition. Thank you for being there for everyone. also Most recently Career step signed me up for there CPC program, with a third party XXXX XXXX XXXX, and did not give me all my materials and old books, I did not pass my exam and was left with nothing after 1 year of work. XXXX dollars. The FTC sent me XXXX in a check telling me XXXX step was a fraud school, who they had won a case on, yet still to this day, month later XXXX XXXX XXXX calls me day and night, adding interest. I have not spoken to them in 6 months. Thank you for your help. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 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: GA

Complaint narrative:
XXXXToll free number XXXX XXXX XXXX. The XXXX attempted to obtain my bank checking information by verifying unauthorized charges I went to my bank to verify if they call for such activities. Immediately they told me is a scan and never give your information . This XXXX even sent me a text to verify my identity. That when I ask to verify if she worked for my bank and she couldnt.'

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 2026-02-26 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: KS

Complaint narrative:
I am filing a complaint regarding an improper charge for an item I returned to XXXX, but for which I am still being billed. The item at issue was a pair of sunglasses that I returned to XXXX in accordance with their return process. Despite the return being completed, the charge has not been properly reversed, and I am still being charged for the amount of the purchase. I have made efforts to resolve this directly, but the matter remains unresolved. This is a billing dispute involving a returned item that should not remain on my account. I am requesting that this charge be fully removed and that any related fees, interest, or negative account impacts associated with this improper charge also be corrected. This situation is unfair and reflects a failure to properly credit a valid return. I am asking for a prompt investigation and resolution of this matter. Please review this complaint and require the company to : - Remove the charge for the returned sunglasses- Reverse any related fees or interest. The amount is XXXX - Confirm that my account reflects the proper credit - Ensure there is no negative reporting or account harm caused by this error Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Follow-Up on Complaint ID XXXX Auto Payment Failure and Fee Dispute This is a follow-up regarding Complaint ID XXXX. I am unable to view any response associated with that complaint and was advised to submit a new case. According to a CFPB financial guide, Capital One stated that my request to refund late fees and interest was denied because my linked checking account ( also with Capital One ) rejected the auto payment. However, when I contacted Capital One directly, I was informed that there were no restrictions or issues with my checking account that would have prevented auto payments from processing. This explanation is inconsistent and unreasonable. Consumers should not be penalized for what appears to be a system error or internal processing issue. Original Issue Summary : I request a full explanation and supporting documentation regarding the repeated auto payment failures on my account, specifically during the following periods : XX/XX/XXXX through XX/XX/XXXX XX/XX/XXXX Additionally, I request clarification on the following charges : {$29.00} late fee on XX/XX/XXXX {$30.00} interest charge on XX/XX/XXXX {$8.00} interest charge on XX/XX/XXXX Requested Resolution : A full reversal of all late fees and interest charges resulting from these auto payment failures. A detailed written explanation and documentation of the cause of these failures. Written confirmation that the auto payment system issue has been corrected to prevent recurrence. Assurance that no negative credit reporting related to these incidents has occurred, or that any such reporting has been removed. Prompt adjustment of my account balance to reflect these corrections. I believe this is a reasonable request given that the issue appears to stem from internal system errors rather than any fault on my part. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: TX

Complaint narrative:
Re : Account XXXX XXXXXXXX I am requesting validation of the alleged debt. Please provide : Proof this debt belongs to me Original signed agreement with XXXX XXXX Full payment history Breakdown of the {$2200.00} balance Until this is validated, you must cease all collection activity and reporting. If you can not validate this debt, remove it from all XXXX XXXX immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation