vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
Adding to current complaints as we continue to experience further issues despite multiple phone calls and email requests for information we have still received none of the requested material and foreclosure action and activity appears to be moving forward based on fees despite being in underwriting : We have been advised our loss mitigation application with AmeriHome was deemed complete and in underwriting as of approximately XX/XX/XXXX. Despite this, foreclosure-related activity appears to be continuing, as reflected by the assessment of approximately {$3600.00} in foreclosure attorney fees, additional title charges, and {$2700.00} in foreclosure/closure attorney fees. We have not received any written confirmation that foreclosure activity has been suspended. The continued advancement of foreclosure-related actions and fees during an active loss mitigation review raises serious concerns regarding improper dual tracking and non-compliance with servicing obligations under RESPA ( Regulation X ). Additionally, AmeriHome failed to disclose that a foreclosure sale date had been set on XX/XX/XXXX. The sale date was subsequently moved forward and advertised after we were advised our file was in underwriting. As a result, we have experienced harm, including unsolicited contact from attorneys and real estate agents, as well as individuals coming onto our property and posting materials without permission. AmeriHome has also failed to produce previously requested call recordings and servicing notes from XX/XX/XXXX to present. We formally request : ( 1 ) immediate written confirmation that foreclosure activity has been suspended, ( 2 ) a complete and itemized accounting of all foreclosure-related fees ( including dates incurred and whether actual or estimated ), ( 3 ) reversal and removal of any foreclosure-related fees improperly assessed during the active loss mitigation review period, and ( 4 ) full production of all requested servicing records. Absent timely resolution, we will pursue all available regulatory remedies.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
A credit account was reportedly opened on XX/XX/XXXX and later placed for collection. The account has a reported original balance of approximately {$1900.00} and is currently being reported with a balance of {$1900.00}. It is being listed as a charge-off/collection account with derogatory status. On XX/XX/XXXX, this account was reported to my credit file as placed for collection by Contract Callers Inc. I did not receive adequate prior notice or clear communication regarding this alleged debt before it appeared on my credit report. After discovering this collection account on my credit report, I disputed the information and requested validation of the debt. However, the account continues to be reported without sufficient documentation proving the accuracy of the balance, the legitimacy of the original obligation, or my responsibility for this debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting information must be accurate, complete, and verifiable. Despite this requirement, the account continues to be reported without proper verification or supporting documentation. The continued reporting of this collection account without adequate validation is negatively affecting my credit profile and appears to be inconsistent with the obligations required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am filing this complaint regarding a collection account being reported on my credit reports by XXXX and XXXX. The account, associated with XXXX ( Account Number : XXXX ), reflects a balance of {$630.00} and is currently reported as a collection/charge-off. I dispute the accuracy and completeness of this account. The reporting of this account appears to be incomplete, as it reflects No History Available, yet continues to report a derogatory status. This raises concerns regarding whether a proper and reasonable investigation has been conducted and whether the information being furnished meets the Fair Credit Reporting Act ( FCRA ) requirement for maximum possible accuracy. At this time, I have not been provided with sufficient documentation to validate this debt, including a complete account history, proof of obligation, or verification of the reporting partys authority to collect. I am requesting that this matter be properly investigated and that the furnisher provide full documentation supporting the validity and accuracy of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
A utility account was opened in my name without my knowledge or authorization in or around XX/XX/XXXX ( most recently provided account opening date by XXXX ). During this entire period, I was incarcerated from XX/XX/XXXX through XX/XX/XXXX and could not have opened or authorized any utility service. I initially believed the account may have been opened earlier, but XXXX representatives have since stated the account opening date as XX/XX/XXXX. Regardless of the exact date, I was incarcerated during this entire time period and could not have been responsible for opening the account. I contacted XXXX to dispute the account and informed them this was identity theft. I provided an FTC Identity Theft Report ( Reference # XXXX ) and incarceration documentation. XXXX refused to classify the account as identity theft and instead relied on prior address history, mail delivery, and utility assistance activity ( XXXX ). They did not provide verification of who opened the account, how it was opened, or what identity verification methods were used. As a result, I am being held responsible for a fraudulent account and debt that I did not open or authorize. The account has also been associated with collection activity through Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I had XXXX XXXX and fell behind on payments ( XXXX etc .. ) I made arraignments to catch up and the car broke down .. XX/XX/XXXX it was repossessed XX/XX/XXXX. In XX/XX/XXXX i received an notice from XXXX XXXX the car was sold for XXXX . the car needed minor repairs about XXXX worth, the car was very reliable and i never had to make any repairs other then required maintenance ( breaks, tires, oil changes ) .The car had a broken ball joint towing the car with a tow behind tow truck put it at high risk of further damage, it was repossessed with a tow behind tow truck I filed a consumer affairs complaint in texas and they responded by saying they sell repossessed cars " as is '', my state NJ has a law stating they must get as much money as they can for the car .Selling " as is " violates that law .Every auto auction in my state will repair cars to get the highest amount possible, my car was fully repairable before it was repossessed .Despite its high mileage cars can get a high price in my state. They moved the car out of state to maryland to sell " as is '' i specifically asked was there any further damage to the car ( because it was at high risk of this ) they never responded to this question .I had XXXX XXXX which would have paid off the loan and got me into another car.the total cost owed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC is innacurately and illegally reporting debt from XXXX XXXX XXXX XXXX, i do not have any knowledge of this account, i did not open this account and it was opened fraudualentley due to identity theft. I have requested debt validation and disputed this report on multiple occasions with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Several months back, I visited a Wells Fargo branch to request a credit limit increase on my credit card, as my post-tax income now exceeds my current credit limit, making the card functionally limited for my use. I was informed at the branch that credit limit increases are no longer processed in person and must be handled by phone or online. As I want a personal interaction for my financial transactions, I decided that this was not a valuable use of my time and moved on. On XX/XX/year>, I received an unsolicited call from Wells Fargo offering financial advisory services. During that call, I provided feedback that I was dissatisfied with the shift away from in-person banking relationships, and that I was looking for a banking relationship where staff could know me, my priorities, and my financial needs- not an impersonal phone or digital interaction. The representative stated they would take my feedback under advisement. The next day ( XX/XX/year> ), I received a response from Wells Fargo 's Enterprise Complaints Management Office to my personal email. The response was a form letter that restated their existing policy, documented that my feedback had been received, and closed the case without acknowledgment of the substance of my feedback or any meaningful engagement with my concerns. Notably, this response was delivered via a third-party secure messaging platform ( Zix ) that required me to create an account to receive it, which places additional burden on me as a result of feedback I provided voluntarily in response to an unsolicited call.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I am filing a complaint regarding a dispute with Chime related to a transaction with XXXX in the amount of {$320.00}. I originally filed this dispute on XX/XX/year>, and I submitted additional supporting evidence on XX/XX/year>. Despite this, I have not received a provisional credit, a final resolution, or a clear timeline for when my case will be decided. I have followed up on the status of the dispute but have not received a meaningful update or explanation for the delay. At this point, the handling of my dispute has exceeded a reasonable timeframe, and I am requesting immediate review, a clear status update, and prompt resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a remaining deficiency balance of approximately {$800.00} on my auto loan with Ally Financial following a total loss of my vehicle. My insurance provider paid the majority of the loan balance, leaving only this remaining amount, which appears to consist largely of accrued interest. I am currently experiencing financial hardship and am not in a position to pay this remaining balance. I have made multiple attempts to resolve this matter directly with Ally Financial by phone. On several occasions, I was transferred between multiple departments and representatives, including escalation, but was unable to reach a team that could properly review or resolve my request. I was previously advised that my situation would be handled, but no resolution or follow-up has been provided. I am requesting that Ally Financial conduct a formal review of my account for a hardship accommodation, goodwill adjustment, or reduced settlement of this deficiency balance. I am also requesting that this matter be handled by the appropriate resolution team so it can be resolved without further delay. I am seeking a fair and reasonable resolution given the circumstances.

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 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mortgage Research Center, LLC
State: CO

Complaint narrative:
I switched mortgage lenders during the closing process. The appraisal was done under the first lender, and I paid that up front and received an invoice. I then requested in writing that the appraisal be transferred to the new lender. I was then met with some angry emails from the original lender 's loan officer XXXX XXXX. One of which is a veiled threat- he states that he had the power to delay sending this appraisal of mine to the new lender long enough to prevent Closing. ( " Rather then been a jerk and hold onto the appraisal for a few days so you miss your closing date, I have requested it be transferred to XXXX. I think Karma come to each out us. Best regards, '' He also suggests that I have bad things coming to me with the statement, " Karma comes to each of us ''. All of my actions were legal and in good faith and in my right as a consumer. His actions were vindictive and suggestive of activities that are illegal and against his obligations as a loan officer and as a licensed mortgage professional working with VA loans.

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 2026-04-29 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:
I am filing a formal complaint against JPMorgan Chase for repeated and unjustified interference with my ability to access and transfer my own funds that occurred XX/XX/XXXX. I have an established pattern of making routine monthly transfers from my Chase business account to my personal account at another institution. Despite this consistent history, my most recent transfer was flagged as fraud, blocked, and escalated for back office review, even after I personally verified the transaction multiple times. This is not an isolated incident. I previously experienced excessive delays and mishandling of a travel-related claim from a claim submitted XX/XX/XXXX during which funds were held for XXXX months without explanation and resolved XXXX, XXXX as Chase and XXXX stated claims would take XXXX business days after approval which was received in XXXX of XXXX. The pattern is clear : ongoing disruption, lack of transparency, and unreasonable barriers to accessing my own money. At this point, I am deeply concerned that my accounts are being unfairly targeted or subjected to improper profiling. There is no legitimate basis for repeatedly flagging routine, verifiable activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XX/XX/XXXX, I was targeted as part of a coordinated fraudulent scheme. As a result of this fraudulent scheme, approximately {$8500.00} was transferred from my checking account through a mobile payment service. I did not authorize this. This incident is part of an ongoing investigation, and I have filed both a police report and a complaint with the FBIs Internet Crime Complaint Center. Additionally, another individual in my household was targeted by the same party on the same day, indicating a coordinated effort. I reported the incident to Chase Bank immediately after discovering the fraudulent activity. Despite the circumstances indicating fraud, my claim was initially categorized as a non-credit dispute rather than being handled as a fraud claim. I believe this was an improper classification and resulted in my case not being reviewed under the appropriate standards. During my interactions with Chase, I was not provided with clear guidance or a thorough explanation regarding the handling of my claim. My initial claim was denied without what I believe to be a sufficient investigation into the fraudulent nature of the transaction. After continued follow-up, a new claim has since been filed and categorized as fraud ; however, I remain concerned about whether a proper and thorough investigation will be conducted, given how my case was initially handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: MS

Complaint narrative:
I have had some loan modifications with Bridgecrest. Under the loan modifications, those payments were moved to the end of my loan. Unfortunately, Bridgecrest has those months as past due even though they can't be past due as they aren't due to the end of the loan. I have requested Bridgecrest fix it. I have disputed with XXXX XXXX XXXX XXXX multiple times now. Those payments are majorly hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I received a notification about unusual activity on my account & was told to contact customer service I did & was told it was due to dispute charges & was told to go to a PNC branch for help which I did but they said my balance is XXXX when I had {$920.00} & she couldnt tell me anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unauthorized inquiriesplease fix. Files attached.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I received notification from my credit monitoring that I had a collection from XXXX XXXX for a debt I do not recognize. I have received any letters from this company in the mail. This violates my 30 day right to dispute per the FCRA. I am requesting validation for this debt.

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 non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am filing a complaint against National Credit Systems regarding a debt they are reporting on my credit report. This account is currently being reported as verified by XXXX ; however, I have not received proper validation of this debt from the collection agency. On or about XX/XX/year> I sent a formal request for validation of this debt. To date, I have not received any documentation such as a signed lease agreement, itemized statement of charges, or proof that the collection agency has the legal right to collect this debt. Despite failing to provide validation to me, the company has continued to report the account and has represented to XXXX that the debt is verified. This raises serious concerns about the accuracy of their reporting and compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that the company either : 1. Provide full and proper validation of the alleged debt, including supporting documentation, or 2. Immediately delete this account from all credit reporting agencies. This unverified account is negatively affecting my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I am filing this complaint against Target Corporation for breach of contract and failure to comply with the arbitration agreement governing my account. I initiated arbitration with the XXXX XXXX XXXX ( XXXX ) in good faith and complied with all filing requirements. However, Target Corporation failed to pay the required arbitration fees, which resulted in the XXXX declining to administer the case and closing the file. This failure constitutes a material breach of the arbitration agreement and denied me access to the agreed dispute resolution forum. Additionally, Target has continued to report disputed information associated with this account, raising concerns about compliance with the Fair Credit Reporting Act ( FCRA ) and causing harm to my credit and financial standing.

Company response to consumer: Closed with explanation