vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: OH

Complaint narrative:
I am filing a complaint against my mortgage servicer, AmeriHome Mortgage Company, for failure to make a required escrow disbursement for my homeowners insurance, placing my home at risk of an insurance lapse. 

My homeowners insurance premium was due from my escrow account. AmeriHome states they mailed a check on XX/XX/XXXX, but my insurance company never received it. I contacted AmeriHome multiple times throughout XXXX requesting they stop payment and reissue funds. They delayed taking action and refused to issue an emergency overnight replacement payment. 

My insurance agent already obtained an extension due to lender delay, but the insurer has now confirmed the policy will cancel on XX/XX/XXXXXXXX  if payment is not received. I can not afford to advance the $ XXXX premium out of pocket due to recent home repair expenses. 

Despite explaining the urgency and risk of lapse, AmeriHome representatives told me I must wait 35 business days to speak with a supervisor and could not confirm whether a replacement check has been sent. This is an escrow servicing failure that exposes me to : A lapse in homeowners insurance coverage Risk of force-placed lender insurance ( which is more expensive and provides less coverage ) Potential uninsured loss exposure due to servicer error I have notified AmeriHome that they will be responsible for any financial harm resulting from this failure. I am requesting : Immediate overnight escrow disbursement to my insurance company Written confirmation of payment and tracking Reimbursement of any out-of-pocket premium I am forced to pay to prevent cancellation Correction of any escrow shortages, penalties, or force-placed insurance caused by this error This situation is time-sensitive and entirely due to AmeriHomes failure to properly manage my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a Bank of America bank account. Ive provided teller my debit, credit card, XXXX military ID, XXXX XXXX XXXX license, and Police ID as proof ti withdraw {$9000.00}. The bank refuses to disperse funds unless I provide a passport. I showed them an image and they still refused. Im buying a car and my passport is locked away adding 6 hours of travel to get my passport. They argue bank policy overrules laws around this, but wont show proof of policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I am filing this complaint against Rushmore Servicing for multiple violations of the Real Estate Settlement Procedures Act ( RESPA ) and the Fair Credit Reporting Act ( FCRA ) related to a servicing transfer from XXXX in XX/XX/XXXX. 

Detailed Timeline and Violations : Failure of Notice ( 12 U.S.C. 2605 ( b ) ) : The transferor ( OCMBC ) failed to provide written notice of transfer at least 15 days before the effective date. I received no prior notice, making it impossible to verify the authenticity of Rushmore 's first contact on XX/XX/XXXX. 

Violation of 60-Day Grace Period ( 12 U.S.C. 2605 ( d ) ) : Under federal law, for the 60 days following a servicing transfer, a payment can not be treated as late if paid on time to either the old or new servicer. I made my payment on XX/XX/XXXX. Despite this falling within the mandated grace period, Rushmore incorrectly reported the account as 30 and 60 days delinquent to credit bureaus. 

Failure to Respond to Qualified Written Request ( QWR ) : I submitted a formal QWR on XX/XX/XXXX. Rushmore failed to provide a substantive response within the required 30-business-day window, eventually sending a secured email on XX/XX/XXXX, that did not resolve the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I opened a new XXXX account which was frozen immediately upon creation without explanation. I completed identity verification as instructed, including uploading my drivers license and completing a live selfie verification. After doing so, my account remains frozen and I am unable to use the service in any way. 

I contacted XXXX customer support by phone. The representative stated they could not help, could not escalate the issue, and that I must upload documents and wait for an internal team with no timeline or accountability. I was also informed that a XXXX military ID is not accepted as valid identification, which is unreasonable and discriminatory. 

XXXX has provided no clear reason for the freeze, no estimated resolution time, and no meaningful customer support. I have complied with all verification requests and am still locked out of my account. 

Requested Resolution : I am requesting immediate review by a human compliance agent, a clear explanation for the account freeze, and either ( XXXX ) full restoration of my account or ( XXXX ) permanent closure with written confirmation and assurance that my identity is not flagged or retained improperly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We had fraud on our account, and they froze our account with XXXX XXXX in it. This happening beginning of XXXX and they will not unfreeze our account even after we approved documentation. They told us XXXX days and its been XXXX weeks now. We need our money to pay rent and bills and they wont even credit us. They do not give us full information on what the process is and leave us to keep calling back to get new information. Hard to get ahold of anyone!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/year>, I filed CFPB Complaint # XXXX disputing an alleged debt reported by Portfolio Recovery Associates . I requested lawful validation under the FDCPA and FCRA, including a signed contract, itemized billing statements, and proof I opened or authorized the account. 

On XX/XX/year>, the company responded claiming the account was verified using business records from a third party. They did not provide any documentary proof that I am legally obligated for the debt, including no signed agreement, no original creditor statements, and no chain of title identifying my specific account. 

The company continues to assert the accuracy of the account without producing competent evidence, which does not meet the legal standard for a reasonable investigation under 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ). 

I am disputing the adequacy of their response and requesting regulatory review due to failure to properly validate the alleged debt and continued inaccurate credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding an inaccurately reported collection account being furnished by Jefferson Capital LLC ( Original Creditor : XXXX ). 
Collection Agency : Jefferson Capital LLC Original Creditor : XXXX Balance : {$180.00} Account Number ( as reported ) : XXXX Credit Bureau Reporting : XXXX This collection account contains incomplete, misleading, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Violations Identified XXXX. Failure to Ensure Maximum Possible Accuracy FCRA 1681e ( b ) The account is reported without required data elements, including but not limited to : Date of first delinquency Date of last payment Payment history Monthly payment amount Additionally, the collection is improperly reported as an open account, which is misleading and does not accurately reflect the nature of a collection account. 
2. Reporting Unverifiable Information FCRA 1681 ( a ) ( 1 ) ( A ) Due to missing and incomplete data, this account can not be independently verified. The FCRA requires that unverifiable information be deleted from consumer credit reports.

3. Misrepresentation of Account Status FCRA 1681s-2 ( a ) Reporting a collection account as open falsely represents the account type and exaggerates its impact, constituting inaccurate furnishing of information.

4. Failure to Establish Legal Authority to Collect FDCPA 1692e & 1692g Jefferson Capital LLC has not demonstrated legal ownership of the alleged debt, nor provided proof of assignment from the original creditor. Reporting without lawful authority constitutes false representation of a debt. 
XXXX. Improper Re-Aging of the Account FCRA 1681c ( a ) ( 4 ) The reported Date Opened reflects collection placement rather than the original delinquency date, raising concerns of unlawful re-aging. 

Harm Caused This inaccurate reporting has negatively impacted my creditworthiness and has caused financial harm. 
Resolution Requested I respectfully request that the CFPB require Jefferson Capital LLC to : Immediately delete this collection account from all credit reporting agencies Cease reporting inaccurate or unverifiable information Provide written confirmation of deletion If Jefferson Capital LLC can not provide documented proof of accuracy and legal ownership, deletion is mandatory under federal law. 
I certify this complaint is true and accurate to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I have had four companies charge fraudulent charges to my bank account at State Employees Credit union ever since XX/XX/year>, the XXXX company is XXXX and they have been charging my account for {$29.00} a time with a small charge just before it ranging from XXXX cents to XXXX cents. My bank said they could dispute only through a certain timeframe. Please help me recover these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
My credit card payment was behind two payments. I called and set up a payment plan to bring my account current. A short while after Chase closed my bank account unbeknownst to me, therefore the payment was never received. Chase locked my funds and since they are my primary banking institution, I had no access to funds. As a result I missed payment for other bills such as car note, car insurance, and rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
XX/XX/XXXX I received a letter from Jefferson capital stating I had a account with XXXX XXXX XXXX  account # XXXX reference # XXXX with amount due of XXXX I gave no knowledge of this account nor gave permission or signature. My rights are being violated as 15usc 1692c is a federal law prohibiting third-party debt collectors from using abusive, unfair, or deceptive practices to collect personal, family, or household debts. It limits communication times ( XXXX XXXX XXXX XXXX XXXX. ), prohibits harassment, and requires debt verification. Consumers can sue violators for damages

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: OR

Complaint narrative:
I opted out of overdraft coverage for ATM and everyday debit card transactions. Despite this, U.S. Bank repeatedly authorized debit card purchases when my available balance showed sufficient funds. 

These debit card purchases were primarily everyday transactions such as gas stations and restaurants. Transactions later posted in a different order or finalized for higher amounts due to holds or tips, resulting in overdraft fees even though overdraft coverage was turned off. 

This has occurred repeatedly. I paid over {$300.00} in overdraft fees, and the banks own system shows at least XXXX unreversed overdraft fees within the last 90 days. 

The U.S. Bank app states that when overdraft coverage is off, debit card transactions will not be authorized and overdraft fees will not be assessed. However, these transactions were still approved and fees were charged afterward. 

I have attached screenshots and a video documenting the repeated overdraft fees and the pattern of charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
i was trying to buy a home and realized i had things on my report that i didnt attain. 
This letter serves as a formal cease and desist letter and demand for debt validation pursuant to my rights under the fair debt collection practices act ( 15 usc 1692g ).

You are hear by ordered to CEASE AND DESIST all forms of communication with me, my family, and my place of employment regarding this account without proper and complete validation of ownership and legal assignment of this debt. 

You are currently in violation of federal law by contacting and continuing to report this account to credit bureaus with sustaining your right to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Synergetic Communication Inc
State: TX

Complaint narrative:
filing a complaint against XXXX for harassment and violations of the Fair Debt Collection Practices Act ( FDCPA ). I do not have, nor have I ever had, any contractual or consumer relationship with this company. I have not signed any agreement, contract, or authorization with XXXX, and they have no lawful basis to contact me. 

Despite the lack of any valid relationship, XXXX has repeatedly contacted me by phone. On XX/XX/year>, at approximately XXXX PM XXXX, a representative from XXXX contacted me. During that call, I explicitly instructed the representative to cease and desist all communication immediately, pursuant to 15 U.S.C. 1692c ( c ). 

I further advised that any calls received after XXXX PM XXXX would be documented and treated as harassment. Despite this clear instruction, at approximately XXXX PM XXXX, I received another call from a different representative identified as XXXX XXXX, requesting to speak with me. This call occurred after XXXX had been clearly instructed to cease communication and after I was expressly told no further calls would be made. 

Syncoms continued contact constitutes harassment and abusive conduct in violation of 15 U.S.C. 1692d, including engaging in repeated and unwanted phone calls intended to annoy, abuse, or harass. Additionally, by continuing to pursue contact without a valid contractual relationship or legal authority, XXXX has engaged in false, deceptive, or misleading representations in violation of 15 U.S.C. 1692e. 

I respectfully request that the Consumer Financial Protection Bureau investigate XXXX conduct, require immediate cessation of all communication, and take appropriate enforcement action. Any further contact from this company will be documented as continued violations and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
My endocrinologist requested infusion services for my XXXX through my insurance provider, XXXX XXXX. On XX/XX/year>, they sent a letter to my provider stating that I was authorized to receive XXXX infusions, with a start date of XX/XX/year> and end of XX/XX/year>. 

I began receiving infusions on XX/XX/year>. XXXX XXXX XXXX billed insurance which paid {$18000.00}, while my copay was {$38.00}, for a total of {$18000.00}. I received my second infusion on XX/XX/year>, and XXXX XXXX XXXX billed the insurance for {$18000.00} ; however, the claim was denied. I multiple attempts to explain to them that had I known the payment would be denied, I would have sought alternative treatment for my XXXX rather than incurring medical debt. 

I communicated several times with the XXXX XXXX department, requesting additional time while I continued discussions with the insurance company in hopes they might consider payment for the services. Despite this, I eventually received a notice from a collection agency. 

I did not receive any correspondence from the insurance company regarding the situation of my policy. I am unfamiliar with such cases and was unaware of when my insurance lapsed, as my husband had managed these matters since our marriage. 

I respectfully request your consideration in assisting me with my case. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I do not recognize this account, and it appears to be inaccurately reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This letter serves as a formal cease and desist letter and demand for debt validation pursuant to my rights under the fair debt collection practices act ( 15 usc 1692g ). 

You are hear by ordered to CEASE AND DESIST all forms of communication with me, my family, and my place of employment regarding this account without proper and complete validation of ownership and legal assignment of this debt. 

You are currently in violation of federal law by contacting and continuing to report this account to credit bureaus with sustaining your right to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: PA

Complaint narrative:
My adult son with the same name as I, his delinquent account from EASTERN ACCOUNT SYSTEM appeared on my credit report for XXXX Account name EASTERN ACCOUNT SYSTEM I Account number XXXX Recent balance {$380.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Collection account. {$380.00} past due as of XX/XX/XXXX. 

I contacted and explained to XXXX  the situation. Also explained that now my son 's address is on my credit report too. They sent me notice that it's staying on my credit report until XXXX. 

I contacted XXXX and explained the situation and they said nothing because there was an active dispute through XXXX. 

I filed another dispute with XXXX  and lost that one too. 

I had my son, whose debt it is to call them and get it straightened out and he did. It still did not get removed from my credit report. 

I filed a third dispute and lost that one too. 

The debt is my son 's, who admits that it is his and that our credit files got comingled, yet both XXXX aka Eastern Account System and XXXX  refuses to untangle our credit reports. This is me reaching out before I hire a lawyer because I did everything in my power to correct XXXX and XXXX  's error. 

I filed three disputes with XXXX. 
I called Eastern Account Systems twice to explain what they did. 
I had the owner of the debt ( my son ) call Eastern Account System to verify with them that he is the owner of the debt. 

And no one will help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
On or about XX/XX/year>, I got a notification that PayPal had charged my credit card to pay for an item I never ordered. I attempted to stop the transaction but was unable to. After the supposed delivery of the item I never ordered, I attempted to dispute the transaction. I have been trying to get this corrected since the day it happened. They tell me the item ( which I did not order ) was delivered. But the address they say it was delivered to is not my address! I didn't order anything, I never received anything and I need my money back!

Company response to consumer: Closed with explanation