vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My mortgage has been transferred XXXX times in XXXX years, resulting in XXXX late payment marks on my credit report across multiple servicer tradelines. The late payments were caused by servicer transfer chaosnot my unwillingness to pay. Since gaining stability with Rocket Mortgage, I have had XXXX late payments, proving the transfers caused the problem. 
DETAILED TIMELINE : XX/XX/XXXX : Mortgage originated with XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Transferred to XXXX XXXX XXXX late payments with XXXX XXXX XXXX XXXX XXXX  : Transferred to XXXX ( XXXX late payments with XXXX XXXX XXXX : Transferred to XXXX XXXX XXXX : Transferred to Rocket Mortgage ( XXXX late payments accumulated ) Present : Current with Rocket Mortgage, XXXX late payments since stable login established PROBLEMS CAUSED BY TRANSFERS : XXXX. Each transfer required creating new online accounts with new websites XXXX. Previous login credentials stopped working without warning XXXX. Automatic payment enrollments were cancelled with each transfer XXXX. Transfer notification letters arrived late or not at all XXXX. Customer service could not locate my account during transitions XXXX. Conflicting information about where to send payments XXXX. I often did not know who owned my mortgage or where to pay RESPA VIOLATIONS : I believe the servicers violated RESPA requirements including : Failure to provide proper XXXX advance notice of transfers Failure to honor the XXXX grace period for payments during transfers Reporting late payments that were caused by their transfer errors Failure to properly transfer payment history and account information PROOF THAT TRANSFERS CAUSED THE PROBLEM : Since my mortgage stabilized with Rocket Mortgage and I was able to establish a reliable login and payment portal, I have not missed a XXXX payment. This proves that I am a responsible borrower who was harmed by excessive servicer transfersnot someone who avoids mortgage obligations. 
HARM CAUSED : XXXX late payment marks on credit reports ( across multiple servicer tradelines for the SAME mortgage ) Severe damage to my credit score Inability to refinance to better rates Emotional distress from years of servicer confusion Hours spent trying to figure out where to pay DESIRED RESOLUTION : XXXX. Removal of ALL late payment marks from all three credit bureaus that were caused by servicer transfer confusion XXXX. Investigation into whether proper RESPA transfer procedures were followed XXXX. Written confirmation that my account is current and in good standing XXXX. Assurance that future transfers ( if any ) will follow proper procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX RE : Dispute and Request for Validation To Whom It May Concern : I am writing in response to your communication regarding account # XXXX XXXX XXXX XXXX XXXX I dispute this alleged debt in its entirety and request validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g .

Please provide the following : 1. Proof the debt is mine ( original signed contract/application ) 2. Complete accounting of the amount, including all fees/interest 3. Proof of your legal right to collect this debt 4. Name and address of the original creditor 5. Documentation that the statute of limitations has not expired Until you provide this validation, cease all collection activities. Do not report this to credit bureaus, as that would be inaccurate reporting. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Westlake Services, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and misleading credit reporting by Westlake Financial related to my auto loan account.

Westlake Financial mailed me a written payoff notice stating that if I paid {$300.00}, my vehicle loan would be considered paid in full. I relied on this representation and made the payment in good faith, believing the account would be resolved based on the terms provided by the company.

Despite issuing this payoff notice, Westlake Financial continues to report a remaining balance of {$1500.00} on my credit report. This directly contradicts the written payoff amount they provided and creates confusion and harm to my credit profile. Reporting a balance after offering and accepting a payoff amount is inaccurate and unfair. 

I attempted to address this issue directly with the company, but the incorrect balance has not been corrected. The information currently being furnished to the credit reporting agencies does not reflect the true status of the account. 

I am requesting that Westlake Financial conduct a thorough investigation into this matter and update the account to reflect a XXXX balance and paid in full status. I request prompt correction under the Fair Credit Reporting Act and written confirmation once the investigation concludes and updates are reported to all credit bureaus nationwide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I purchased reservations tht XXXX XXXX XXXX through XXXX. Upon checking, I used my CURRENT debit card to place a {$150.00} hold on my room. On XX/XX/scrub>XXXX XXXX XXXX I checked out. On XXXX XXXX XXXX I contacted CURRENT bank about the {$150.00} hold still pending ( every other hotel stay would release funds upon checkout ) they told me the merchant has not released funds. I contact XXXX XXXX accounting where after a few days, was told that my folio had been settled by XX/XX/XXXX. As of today the hold is still pending, I have no response from current as far as attempting to release the funds, Im told I have to wait til XX/XX/XXXX to have the funds release. Someone is making interest on these funds and to fall on telling customers to wait a month is complete asinine. Especially when the hotel has instructed me that the hold was released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, multiple chargebacks were opened on my Venmo account related to payments sent by the same sender. The sender later confirmed to me that he did not intentionally file these disputes and that his Venmo account was suspended for unusual activity, indicating a security-related trigger rather than an intentional dispute.

Venmo sent multiple notices instructing me to respond to the chargebacks by emailing XXXX before the XX/XX/XXXX deadline. I complied with these instructions and emailed my dispute responses, including the dispute IDs and explanation, before the deadline. 

After submitting my responses, I began receiving automated emails stating that the inbox I was instructed to use was no longer monitored. When I contacted Venmo through in-app chat, I was later told to send the same information to a different email address, XXXX, which I also did. I again received automated messages stating the inbox was not monitored. 

Despite my repeated attempts to comply with Venmos instructions and request confirmation that my responses were received, Venmo did not provide any confirmation that my dispute responses were reviewed or logged. No substantive response was provided explaining the status of the disputes or next steps. 

While the disputes were still unresolved, Venmo debited my account for the disputed amounts, froze my account, and placed my account into a negative balance totaling approximately {$490.00}. I currently have no funds available and am unable to pay this balance. 

I requested clarification regarding the validity of the email instructions, confirmation of receipt of my dispute responses, and an explanation for the account freeze and negative balance. Venmo has not provided this information and has only sent automated responses. 

I am requesting that these chargebacks be properly reviewed, the disputed debits be reversed while the investigation is ongoing, and my account access be restored. I am also requesting clear confirmation of the status of my dispute responses and written clarification of Venmos chargeback process, as conflicting instructions prevented effective resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 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: CA

Complaint narrative:
Company : American Express Issue : Unauthorized charge and improper dispute resolution Complaint Details : I stayed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After checkout, a charge of {$300.00} was posted to my American Express card under the description Misc. Charge. 
My final hotel XXXX shows a {$0.00} balance, confirming there were no damages, penalties, additional services, or outstanding charges. Despite this, the {$300.00} charge was never refunded and was fully posted. 
I disputed the charge with American Express. The dispute was closed in favor of the merchant, and no documentation was provided to me showing a signed authorization, itemized charge, or valid justification for this amount. 
This appears to be an unauthorized charge and a failure by American Express to properly handle the dispute process, as I was not provided evidence supporting the merchants claim. ( Dispute ReceivedXXXX XXXX XXXX Resolution Date : XX/XX/year> Ref. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I disputed this account with XXXX  on XX/XX/XXXX. The debt collector was XXXX XXXX XXXX. I requested an itemized invoice and date of service and this was never sent to me so XXXX  removed this account from my credit report. Then on XX/XX/XXXXXXXX  it appears again on my credit report. This time the collection agency is XXXX XXXX. I requested an itemized invoice and date of service and never received either. XXXX again removed this from my credit report. Then on XX/XX/XXXXXXXX  this account reappears on my credit report as XXXX XXXX XXXX XXXX XXXX  I dispute this account with XXXX  and they return with an response no information available. This is a fraudulent charge. Now it appears on my credit report as XXXX XXXX XXXX. I've disputed this several more times with XXXX  responding no info available or the account is accurate but nobody can give me any information on this account. This debt was removed from my credit report after I filed my complaint with your office and now it has appeared again on my XXXX  account as Credit management company out of XXXX, PA. I've disputed this account with XXXX  and have not received a response. This debt is approaching XXXX XXXX XXXX from what they tell me and I am XXXX XXXX XXXXXXXX on a fixed income and can't afford to pay this even if it did belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: OneMain Finance Corporation
State: NV

Complaint narrative:
I am disputing a remaining balance being collected by OneMain Financial following the theft and police auction sale of a vehicle securing my loan. 

The vehicle was stolen and later recovered by law enforcement and placed into police impound. I promptly notified OneMain Financial and provided all required documentation, including the police report and auction paperwork. Despite receiving notice, OneMain refused to retrieve the vehicle or otherwise protect its lien interest. 

As a result of OneMains inaction, the vehicle was sold at a police auction. OneMain accepted the auction proceeds and applied them to my loan balance, yet continues to collect a remaining deficiency.

OneMains refusal to retrieve the vehicle after notice constitutes a failure to mitigate damages. Accepting the proceeds of a forced police auction sale while continuing to pursue a deficiency is improper and renders the remaining balance inaccurate and disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One pre-approved and opened a credit account for me using my ITIN and Passport information. After opening the account, they restricted it and are now requiring a U.S. State ID, which is a document I am not legally required to have as a non-resident alien. They are effectively denying me access to an account they already approved, based on a requirement that contradicts their own ITIN acceptance policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTrue accord XXXX XXXX XXXX XXXX XXXX XXXX XXXXRe: Dispute of Debt and Request for Validation\n\nDear TrueAccord AcctXXXX XXXX XXXXI am writing to formally dispute the validity of the debt that you are attempting to collect from me, referenced under account number [insert account number]. Under the Fair Debt Collection Practices Act (FDCPA), I request that you provide me with validation of this debt.\n\nPlease send me the following information:\n1. The amount of the debt you claim I owe.\n2. The name of the creditor to whom the debt is currently owed.\n3. Proof that you are authorized to collect this debt.\n4. A detailed statement of sworn written consent from me \n\nPlease respond in timely manner under FDCPA in writing r electronically in legal timeframe of this unverifiable matter \n\nSincerely'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
I was the victim of impersonation fraud. After receiving a fraud alert, criminals posing as Chime contacted me and induced me to send money via Chime XXXX XXXX These transfers were authorized only through deception and are therefore unauthorized under Regulation E. Chime denied my claim twice without addressing the impersonation. I filed an FTC identity theft report and am requesting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I booked a hotel stay at XXXX XXXX XXXX from XX/XX/2025XX/XX/year> to XX/XX/2025with American Express XXXX card. The hotel is under the " Fine Hotels and Resort '' ( FHR ) program by Amex, which provides free room upgrade during check-in. During the check-in process, the front desk asked if I would like to have a room upgrade, as part of the FHR benefits. She presented me an XXXX to select the room upgrade I'd like, so I chose one. During the check-out, the manager claimed that the specific room type I selected was not part of the FHR program, and charged me the room upgrade fee. 

I asked American Express to dispute the claim, but Amex would not resolve my dispute in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I have a account that I use daily. {$1000.00} was requested then my account was shut down

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I am filing a complaint against my mortgage servicer, Select Portfolio Servicing, Inc. ( SPS ), for improper servicing practices and inaccurate credit reporting and foreclosure activities after I paid the full mortgage payoff amount they quoted. 
On XXXX XXXX XXXX  XXXX XXXX XXXX requested an official mortgage payoff statement on my behalf for loan number XXXX. SPS provided a written payoff statement quoting a total payoff amount of {$320000.00} ( See attachment A ), valid through XXXX XXXX XXXX  I relied on this statement and paid the full quoted amount on XXXX XXXX XXXX ( See attachment B for proof of payment ). The payment was received and accepted. 
After accepting the payoff payment, the servicer later demanded an additional {$16.00}, XXXX, ( Attachment C ) allegedly due to accrued interest and fees. This demand is improper. Under the Real Estate Settlement Procedures Act ( RESPA ) and its implementing regulation, Regulation X ( 12 C.F.R. 1024.36 ), a mortgage servicer is required to provide accurate payoff information. A payoff statement is intended to reflect the total amount necessary to satisfy the loan as of the stated date, and I paid the quoted amount within the valid period. 
Despite this, SPS has treated the loan as not paid in full, has reported the disputed additional amount as a balance owed to credit reporting agencies ( Attachment E ) and has started a foreclosure process on the property ( Attachment D ). This reporting is inaccurate and misleading. Reporting a balance after a loan has been paid pursuant to an official payoff statement violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to report complete and accurate information and to correct disputed inaccuracies ( 15 U.S.C. 1681s-2 ). 
I dispute the validity of the additional amount and the related credit reporting. By issuing a payoff statement, accepting full payment, and then demanding additional funds while reporting a remaining balance, the servicer has engaged in unfair servicing practices and inaccurate credit reporting, causing harm to my credit profile. 

I have attached copies of the payoff statement, proof of payment, demand letter statement asking for more money and credit report excerpts showing the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am submitting this complaint regarding JPMorgan Chase Banks continued withholding of my funds from a closed bank account. 
More than two years ago, I deposited a check in the amount of {$9000.00} from a legitimate subcontracting job into my Chase account. At the time of deposit, my account was overdrawn. Once the check cleared and settled, the overdraft balance was satisfied using the proceeds of that deposit. 
After the check cleared, Chase removed the remaining funds from my available balance, placed the account under restriction for approximately two months, and ultimately closed the account while retaining the remaining funds. A Chase branch manager later confirmed that the funds still exist within Chases system.

I was never notified of a returned check, fraud loss, court order, seizure, or forfeiture of funds. Despite this, Chase has refused to release the remaining balance, stating that the check can not be verified, even though the check cleared and settled more than two years ago. 
Recently, Chase advised that they would attempt verification again ; however, continued inability to verify a cleared check after this length of time does not constitute legal authority to indefinitely withhold customer funds. 
I have repeatedly requested either release of my funds or written documentation citing the specific statute or regulation authorizing Chase to retain them. No such documentation has been provided. 
I am requesting the CFPBs assistance in reviewing this matter and requiring JPMorgan Chase Bank to either release my remaining funds or provide lawful written justification for their continued retention. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Delete all inaccurate information off my credit report

Company response to consumer: Closed with explanation