vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
They sent a letter advised call right away to maybe lower interest rate, lower payment and reduce monthly payment. I called will not lower interest rate at all. Settle for less was not much off of balance. Reduce monthly payment not willing to do much for consumer.

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 2026-03-18 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I requested an explanation for why a transaction from XX/XX/XXXX was posted again on XX/XX/XXXX, causing my account to go negative. I also asked for details about the authorization hold and why the funds appeared available before the final charge posted. I spoke with a supervisor, but I did not receive a clear explanation or documentation regarding the transaction timing, and the issue remains unresolved. Supervisor even agreed it shouldnt have taken this long for posting and the amount to be released when it didnt return to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Neighborhood Assistance Corporation of America ("NACA")
State: NJ

Complaint narrative:
I am currently in the mortgage qualification process with Neighborhood Assistance Corporation of America ( NACA ) for the purchase of a home. In XX/XX/year>, NACA requested that I provide an updated Profit and Loss statement for my XXXX XXXX. I paid my accountant to prepare this document and submitted the final signed version as requested. Over the following months, I continued to provide every document requested by NACA in a timely manner. However, my file remained in the review process for several months without a clear explanation. Recently, I was informed that my mortgage qualification was approved with a maximum monthly housing payment ( PITI ) of {$2000.00} and a monthly gross income of {$9100.00}. Based on my understanding, it appears that the final Profit and Loss statement I submitted was not properly considered in the calculation of my income. I have repeatedly contacted my NACA counselor, the mortgage department, and NACA member services requesting confirmation that the updated Profit and Loss was reviewed and used in my qualification. I have also sent emails requesting clarification of how my PITI amount was calculated. Despite these multiple requests, I have not received a clear response or explanation. After several months of delays, I was recently asked to provide my 2025 tax returns, which are not yet prepared. My concern is that my qualification should have been properly calculated using the Profit and Loss statement that NACA specifically requested months earlier. I am requesting a review of my file and confirmation that the final signed Profit and Loss statement submitted to NACA is properly evaluated as part of my mortgage qualification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing a complaint regarding a phone call I received from a debt collector ( Genesis ). During this call on XX/XX/XXXX at XXXXXXXX XXXX, the representative only asked for my name and did not properly verify my identity using additional information such as date of birth, address, or any other identifiers. The representative also did not disclose that the call was an attempt to collect a debt. While I was on speakerphone with other individuals present, the representative disclosed the name of the creditor ( my former apartment complex ) and stated the amount of the alleged debt before properly verifying that they were speaking with me. This resulted in my private financial information being exposed to third parties. Additionally, the representative asked for my bank name and stated that they could locate my banking information from documents, which made me uncomfortable and raised concerns about how my personal information is being handled. I believe this communication was not handled appropriately and raises concerns regarding compliance with the Fair Debt Collection Practices Act. I am requesting that this matter be reviewed and that the company provide proper validation of the debt and ensure all future communication is handled appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
I have a conventional mortgage ( loan # XXXX ) originated XX/XX/XXXX, serviced by XXXX XXXX XXXX XXXX XXXX XXXX. The property is at XXXX XXXX XXXX XXXX XXXX XXXX XXXX I enrolled in AutoPay through XXXX XXXX XXXX system. My XX/XX/XXXX statement confirms this, stating my payment was made through their automatic payment plan. On XX/XX/XXXX, one AutoPay draft failed due to a funds transfer timing issue ( not inability to pay ). XXXX XXXX reversed the payment as NSF, charged a {$30.00} fee, and cancelled my entire AutoPay enrollment. A notice dated XX/XX/XXXX was posted to my online account stating AutoPay had been turned off. On XX/XX/XXXX, two payments ( {$780.00} each ) were made, covering XXXX and XXXX. This proves I had the ability and willingness to pay. However, because AutoPay was cancelled and my wife and I were traveling away from our mailing address, the XX/XX/XXXX payment and all subsequent payments were missed without my knowledge. XXXX XXXX XXXX own document management system labels their outreach during this period as " No_contact_letters '' ( dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). These were form letters, not live contact. Under 12 C.F.R. 1024.39 ( a ), servicers must make good faith efforts to establish live contact within 36 days of each missed payment. I was never called or contacted in any way that constitutes live contact. My first actual knowledge of the delinquency came from a foreclosure notice. On XX/XX/XXXX, I brought the account current by paying {$5500.00} in back payments ( principal, interest, and escrow ), {$100.00} in late charges, and was assessed {$2800.00} in lender paid expenses including {$1400.00} in legal fees on XX/XX/XXXX that XXXX XXXX charged for foreclosure attorney costs. My XX/XX/XXXX statement confirms the total of {$2800.00} in lender paid expenses. I was given approximately one week to pay these amounts to stop the foreclosure. I have made every payment on time since. I am concerned that XXXX XXXX violated Regulation X by : ( 1 ) failing to establish live contact within 36 days of each missed payment, ( 2 ) relying solely on form letters that their own system labels as " no contact, '' and ( 3 ) referring the loan to foreclosure without proper early intervention. The entire delinquency resulted from their decision to cancel AutoPay over one failed draft without ensuring I was aware. I have filed disputes with all three credit bureaus and sent a Qualified Written Request/ Notice of Error to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
On XXXX, my employer deducted {$270.00} from my paycheck for a wage garnishment, when the court order clearly authorized only {$35.00} per pay period. Page 2 of the form, intended for employer calculations, was blank. I verified the official court order online. I immediately contacted ADP ( Case # XXXX ) and my employer to report the over-withholding, but the excess amount has not been corrected or returned. XXXX XXXX XXXX served me multiple misleading documents, including : A second copy of JDCV3, from which the judges signature had been removed, and An Exemption and Modification Claim Form / Wage Execution JDCV3A, which implied that I needed to return to court or complete the form when in fact I did not. These documents misrepresented the court order, attempted to intimidate me, and were designed to pressure me to take unnecessary legal action. Midland Credit is not registered or authorized to collect debts in XXXX, yet it authorized XXXX XXXX XXXX to garnish wages. This appears to violate XXXX state law and FDCPA 1692e ( 5 ), which prohibits threatening or taking action that can not legally be taken. The conduct of both Midland Credit and XXXX XXXX XXXX also violates FDCPA 1692e & 1692f for false or misleading representations and collecting amounts not authorized by law. Neither Midland Credit nor XXXX XXXX XXXX is the original creditor. The original creditor is XXXX. XXXX XXXX XXXX and Midland Credit illegally garnished {$270.00} above the court-ordered {$35.00} and served misleading JD-CV-3 and JD-CV-3a Forms implying I had to return to court, and violated FDCPA 1692e, 1692e ( 5 ), & 1692f, Midland Credit is not registered in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
On XX/XX/year>, my Santander checking account ( XXXX ) was charged XXXX separate {$15.00} " Insufficient Funds Fees. '' While XXXX fee was reversed on XX/XX/XXXX, the second {$15.00} fee remains active, leaving my account with a negative balance. On XX/XX/year>, I called Santander at XXXX ( Ext. XXXX ) from my phone number XXXX. The experience was highly unprofessional : Agent Misconduct : The initial female agent I spoke with audibly said " omg '' in the background before transferring me, which I found deeply disrespectful. System Errors : She claimed the system " would not allow '' her to reverse both fees, even though they were caused by the same series of rapid transactions. Broken Promises : I was transferred to a supervisor who promised to call me back within XXXX to XXXX hours to resolve the issue through another department. This callback never happened. Conflicting Information : When I called back, I was told by other agents that the fee had been reversed, but it does not appear on my statement, and my balance is still incorrect. I have made multiple good-faith efforts to resolve this with Santander directly , but their staff has failed to follow through or provide consistent information.

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 2026-03-18 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: DISCOVER BANK
State: FL

Complaint narrative:
I disputed a {$75.00} XXXX charge ( dispute # XXXX ), which was denied on XX/XX/year>. After the denial, I submitted new material evidence, including airline correspondence acknowledging deficiencies in disability-related communication and a Department of Transportation complaint . Despite this, Discover refused to reopen or meaningfully review the case. Their representatives stated the documentation was not enough but could not identify what specific evidence was missing. They also stated they could not advise what documentation to provide, while simultaneously claiming the case had already been reviewed. This demonstrates that no reasonable investigation or evaluation of the submitted evidence occurred. I am requesting that Discover properly review all submitted documentation and provide a detailed explanation of their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
The medical bill thats on my credit file is in collections the date stated that it opened is incorrect so they put a date that is inaccurate!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My account was frozen and and closed for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I signed up with Bank of America and fulfilled the requirements to get a {$500.00} sign up bonus for a checking account. The next year, as I was filing my taxes, I checked every account of mine for 1099-INTs to ensure I was filling in all my interest income. Bank of America 's was missing, there were no statements showing interest income, which I found puzzling since I remembered getting a sign up bonus. I contacted customer service and inquired about it. They told me I had no interest income to report for XXXX. I asked them about the sign up bonus. They told me I did not have to report it and that it isn't eligible to be reported on a 1099-INT. I took their word for it and sent in my taxes having not reported it. Roughly a week later, I receive a letter in the mail from Bank of America containing a 1099-INT with my sign up bonus listed on it. They blatantly lied to me, for no reason whatsoever. This has led to me closing all of my accounts with them and severing the possibility of any future relationship, but now I'm on the hook to pay the fee for amending my taxes that online tax efilers charge, despite the problem not being my fault in the slightest and due purely to Bank of America 's neglectfulness. It might make sense if this was due to bond income in a brokerage, but this was a direct payment FROM the bank, so this was not them simply missing a record, especially since I asked specifically about the sign up bonus. It was dishonesty.

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 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I recently discovered that accounts are being reported and collected that I did not authorize or open. I believe my personal information was improperly obtained and used without my consent, resulting in identity theft. These accounts appear to have been created or sold to third-party collectors without my knowledge or permission. I have not entered into any agreement with these companies and do not recognize the debts being reported. I am formally disputing these items and requesting they be blocked and removed pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, as they are the result of identity theft and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Bank of America regarding the restriction placed on my account ( s ) and the banks refusal to provide reasonable access despite successful identity verification. I am currently the victim of repeated unauthorized attempts by third parties to gain access to my account. I fully understand and support the banks obligation to protect customer accounts under applicable federal regulations, including but not limited to : The Electronic Fund Transfer Act ( 15 U.S.C. 1693 et seq. ) The Gramm-Leach-Bliley Act Applicable provisions under Dodd-Frank Wall Street Reform and Consumer Protection Act However, while fraud prevention is necessary, financial institutions are also required to act reasonably and not impose unnecessary barriers that effectively deny customers access to their own funds. In my case : My accounts were restricted due to suspected fraudulent calls made by unknown third parties impersonating me. I fully cooperated with the bank and followed their verification procedures. The bank issued a reference number to my verified residential address, which I successfully received and provided during a phone call as instructed. Despite completing this verification step, Bank of America has refused to restore access and insists that I must appear physically at a branch location. This requirement is unreasonable and excessive, as I am currently located outside of the United States and unable to visit a branch in person. The bank has failed to offer any alternative remote verification methods ( such as notarized identity verification, secure video verification, or enhanced document authentication ), effectively depriving me of access to my funds.

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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
I made a payment on this account, but the debt collector is claiming that I did not. I have already provided documentation showing that the payment was made by showing my account balance was XXXX from the university, and bank transactions and statements showing it was paid. I also received my diploma from the school, which indicates that my account was satisfied at the time. They state they will not send a diploma with a past due balance and you are also supposed to be dropped from the class entirely for none payment. Additionally, I was never contacted or notified that I owed any balance from XX/XX/year> until this account was sent to collections. I was not given an opportunity to address or resolve any alleged balance before it was escalated. Despite this, the debt collector continues to request additional bank statements and is attempting to collect the debt again. I believe this is inaccurate and unfair, as I have already fulfilled my payment obligation and received my diploma. I am disputing this debt because it has already been paid. I am requesting that the account be corrected to reflect the payment and that all collection efforts stop immediately. Below is the information I have from the Collector, I have been talking to XXXX. Current Creditor Account Number ( Last XXXX ) Balance XXXX XXXX XXXX XXXXXXXX {$3900.00} Consumer Information Williams & Fudge ID Williams & Fudge Pin Amount Due XXXX XXXX {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am submitting this complaint regarding lease-end charges assessed by Kia Finance America following the return of our leased vehicle. We have been loyal XXXX customers for over XXXX years and have leased XXXX XXXX vehicles, beginning with a XXXX XXXX XXXX and continuing through the XXXX model year. On XX/XX/XXXX, we returned our leased vehicle to a XXXX dealership. At the time of turn-in, no significant damage or issues were noted or documented by the dealership. The vehicle had only approximately XXXX miles, well below the XXXX miles allowed under the lease, reflecting careful use and responsible ownership throughout the lease term. After the vehicle was returned, we received a bill many weeks later for {$900.00} for alleged damage and lease-end charges. These charges were not disclosed or documented at the time of return. We contacted Kia Finance America to request clarification and a goodwill adjustment based on our long-standing customer history. Our request was denied without adequate explanation or supporting documentation. We are disputing these charges and request : Documentation supporting the alleged damage charges A review of the lease-end fees Consideration of a goodwill waiver based on our XXXX customer relationship If supporting documentation can not be provided showing that the damage was present and documented at the time of turn-in, we request that these charges be removed.

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 2026-03-18 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/XXXX, I discovered that a cash rewards card was linked to an external account without my authorization. XXXX was moved from this card to my debit card, then to my platinum card, without my permission. I reported the fraud to Navy Federal and submitted all requested ID and passport verification, but the account was later reported as a charge- off in XX/XX/XXXX Navy Federal has not provided requested statements, documents or clarification about the account removal from my online access. I am seeking investigation and correction of this fraudulent activity and charge - off reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group
State: MN

Complaint narrative:
Velocity Investments LLC sent someone to my home and handed an open letter disclosing the debt and pending lawsuit to my XXXX XXXX XXXX son on XX/XX/year> around XXXX central time while I was at work. Letter also noted XXXX XXXX XXXX on it.

Company response to consumer: Closed with explanation