vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: WI

Complaint narrative:
Complaint # XXXX On XX/XX/year>, I submitted a CFPB complaint. The complaint requested that Pennymac temporarily suspend any eviction or collection actions related to the property while the complaint and any related review of corrective actions are ongoing, to ensure I am not further harmed while the servicer considers remedies to address its servicing errors. 

Despite this, on XX/XX/year>, Pennymac proceeded with post-foreclosure enforcement and had a writ to vacate served on me, approximately 9 days after the CFPB complaint was filed. 

Since filing the prior CFPB complaint, Pennymac has attempted to contact me by phone on multiple occasions. 

Additionally, I have previously requested of Pennymac that communications be provided in writing so that there is a clear record of correspondence related to my loss mitigation dispute and CFPB complaints. 

Despite this request, Pennymac has not responded in writing regarding the issues raised, and has continued to attempt phone contact while proceeding with post-foreclosure enforcement actions. 

I am submitting this update to reflect continued XXXX  activity while the servicing dispute remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On or around XX/XX/XXXX, American Express closed my credit card account without prior warning. At the time of closure, I had approximately XXXX XXXX Membership Rewards points in my account, valued at approximately {$16000.00}. 
Since the account closure, I have been unable to access or redeem these points. American Express has not provided a clear path to recover or use the rewards I had accumulated. 
I have made multiple attempts to resolve this issue directly with American Express. On XX/XX/XXXX, I called American Express customer service several times during their posted business hours. Despite calling during operating hours, I was unable to reach a representative or receive a callback. Prior attempts to contact the company have resulted in either no response or significantly delayed responses. 
I am requesting that American Express either reinstate my account so I can access my Membership Rewards points, or provide an alternative method to redeem the approximately XXXX XXXX points I had earned before the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I refinanced my loan through XXXX who assigned my loan to Santander. Through a confusion, both XXXX XXXX and Santander paid off my original loan with XXXX XXXX XXXX sent the money back to Santander. While the confusion was cleared up, Santander made a withdrawal of my first payment on XX/XX/year> for {$550.00} due to ACH autopay. Santander received and cashed the entire check refunded during the last week of XXXX. They claim to have refunded my account on XX/XX/XXXX but my bank ( XXXX ) has verified that the refund never happened. I've tried resolving this matter with Santander with no success. I need help getting my refund back expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I am formally disputing an inaccurate collection account being reported by Eastern Account System regarding an alleged XXXX account. 
The original amount owed is listed as {$74.00}, however the collection agency is reporting a balance of {$220.00}. No explanation, contract, or itemization has been provided to justify the additional {$150.00} in fees or charges. This appears to be an unlawful balance inflation and inaccurate reporting. 
I previously disputed this account with the credit bureau. The furnisher simply marked the account as verified without providing any documentation or conducting a reasonable investigation as required by FCRA 611.

I have never received proper validation of this debt as required under FDCPA 809, including : proof of the original contract itemization of charges proof of assignment/ownership of the debt explanation of how the balance increased from {$74.00} to {$220.00} Reporting a balance that can not be documented or validated is inaccurate and violates federal law.

I am requesting : Full validation of the debt with documentation, OR Immediate deletion of this account from all credit bureaus. 
If they can not provide complete documentation, this account must be removed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, i attempted to make an additional payment to my vehicle loan, normally it works regardless of the time-of day, and it get posted regardless of the time of day, now they are refusing to post y payments claiming that they will not post it because i missed the cutoff time. Today is XX/XX/XXXX which is Friday the current time is XXXX PST. And they are still refusing to post it, because they want to charge me interest by the days. One representative i spoke to said it will continue to accumulate interest until it gets posted. I find this extremely unfair for me who is trying to pay it off in advance and avoid interest rates accruing. Attached are email correspondemce and some pictures of my account of how they initially took my payments immediately on the same days and now they are changing how they take my payments so it benefits them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
This account was put on my credit without my consent.Dont know of this company.I never gave them my Social Security number. 

National Credit ADJU ( {$1400.00} ) XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX XXXX 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: 1st Franklin Financial Corporation
State: TX

Complaint narrative:
I expressed my concern and dissatisfaction regarding the handling of my recent loan application with First Franklin Financial. 

Specifically, I requested a written Truth in Lending Disclosure Statement and a written payoff quote reflecting the total amount due if I chose to repay the loan in full on XX/XX/2026one month after the first scheduled payment. 

Despite multiple requests, I was informed that : 1. The Truth in Lending Disclosure could not be provided prior to signing the loan agreement.

2. The company does not send emails to clients during the loan discussion period, even though it receives emails, maintains a valid email address, and has dedicated staff and a physical office. 

These practices raises serious concerns regarding compliance with the Truth in Lending Act ( TILA ) and Regulation Z, which require lenders to provide clear, written disclosures of loan termsincluding the APR, finance charge, total of payments, and payment schedulebefore a borrower is obligated on a loan. 

Furthermore, denying written communication while maintaining the ability to receive emails creates an asymmetrical and potentially deceptive environment that undermines transparency and informed consent. 

I requested the following, in writing, within 10 business days of the letter dated XXXX XX/XX/year> : A complete Truth in Lending Disclosure Statement for the proposed loan A written payoff quote showing the total amount due if I repay the loan in full on XX/XX/year> and other dates specified in previous emails. 

A written explanation of your companys communication policy regarding email use during loan discussions. 

I did not receive a satisfactory response within the stated timeframe and had no choice but to file formal complaints with the following regulatory bodies : Consumer Financial Protection Bureau ( CFPB ) Texas Office of Consumer Credit Commissioner ( OCCC ) Federal Trade Commission ( FTC )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
This loan is from XXXX  and should be removed from my record due to XXXX XXXX XXXX across the nation closing in XXXX.I was informed by advisors that I wouldn't have to pay the loan if I graduated and the school closed right when I finished my classes and was beginning my internship. This loan is from XXXX  so should in fact be removed due the years it's been on my report..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following collection account that is currently being reported on my credit file : Account Name : RENTRECOVERYSOLUTIONS Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} This account is being reported inaccurately and has not been properly deleted despite prior dispute, which is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 1681i.

The account already reflects Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), yet it continues to appear on my credit report without proper verification or correction. If this account has been verified, I am requesting written proof of verification, including : 1. A copy of the original signed lease or contract bearing my signature 2. A complete payment ledger 3. Proof of assignment or authority for Rent Recovery Solutions to collect this debt 4. Verification of the reported balance and date of delinquency If you are unable to provide this documentation, the account must be deleted immediately. 

Please investigate this matter and either delete the account or provide written verification within the time frame required by law. Failure to comply will be documented as non-compliance with the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Address : [ XXXX XXXX  ] SSN ( last 4 ) : [ XXXX ]

Company response to consumer: Untimely response
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several items appearing on my XXXX  credit report pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681i.

After carefully reviewing my credit file, I have found multiple negative accounts that contain inaccurate, incomplete, or unverifiable information. I am requesting that XXXX  conduct a reasonable investigation and delete any account that can not be fully verified with competent evidence. 

The following accounts are in dispute : XXXX XXXX XXXX XXXX  Charged off / Paid in settlement XXXX  XXXX Past due / Delinquent XXXX XXXX XXXX  ( Original Creditor : Progressive ) Collection XXXX XXXX ( Original Creditor : XXXX Apartments ) Collection XXXX XXXX ( Closed/Charged Off Account ) PXXXX XXXX XXXX XXXX XXXX Charged off / Paid in settlement These accounts are being disputed for XXXX or more of the following reasons : Inaccurate account status Incorrect balance and/or payment history Incomplete reporting of payment history Failure to report the actual date of first delinquency Failure to show proper consumer liability Lack of documentation proving I authorized or owe the alleged debt Please provide written verification including : The name and address of the original creditor A copy of the original signed agreement or contract Complete payment history Proof of legal obligation to pay If these accounts can not be verified as required by the FCRA, they must be deleted from my credit file. 

Additionally, please send me an updated copy of my credit report once your investigation is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
My mortgage loan was recently sold to CMG Home Loans. My mortgage payment is {$2800.00}. Every month, XXXX  XXXX XXXX ( through my online banking service ) mails the mortgage company a check for {$3000.00}. {$2800.00} goes towards whats due, and then the remaining balance is supposed to be applied towards my principal ( {$190.00} ). Ive been doing it like this for YEARS. Now that CMG Home Loans is servicing my mortgage, they have taken my last XXXX mortgage payments ( XX/XX/XXXX and XX/XX/XXXX ) and they are processing my payments as late so they can keep {$140.00} as a late fee. 

For example, Bank XXXX XXXX mailed my XXXX mortgage payment on XX/XX/XXXX. CMG Home Loans is saying they didnt receive my payment until XX/XX/XXXX ( 10 days later ). Theyve done this now twice, XXXX mortgage payments in a row. 

I did a XXXX way call today between XXXX  XXXX XXXX and CMG Home Loans ( spoke with XXXX ) to try and fix the situation and get what they kept as late fees back. XXXX, from CMG Home Loans stated they will not give me a refund of the {$280.00} ( {$140.00} XXXX ) that they charged me because I sent the overpayment, so they are keeping it. Even though the overpayment is for my principal and not for them to steal and keep. 

CMG Home Loans is unable to provide any proof that in fact they received these checks late. No time stamps. No scanned copy of the check or the envelope. Nothing. Even the dates CMG Home Loans provided completely contradict what the bank is saying and the bank does have a physical copy of the check. 

What this mortgage company is doing is wrong. Honestly, I feel this is theft. Ive had my mortgage for over 9 years. Ive had my loan sold more than once. Ive never had a late payment, and Ive never had this problem. XXXX at XXXX point said he would refund me XXXX of the late payments and then came back and said well since you already paid it, its done, we cant give it back to you. 

I would really appreciate it if this was looked into further. If theyre doing this to me, I imagine they are wrongly processing others mortgage payments and its wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Today ( XX/XX/year> ) I received a Well Fargo backed credit card for XXXX XXXX with a {$1000.00} credit limit in the mail ( XXXX ). I have never heard of the company XXXX XXXX, nor have I applied for any credit recently. The company XXXX XXXX does not appear to have a public phone number. I have attempted to dispute this fraudulent credit card with the XXXX credit reporting agencies. XXXX and XXXX XXXXve been helpful. XXXX XXXX requires a case number from the Federal Trade Commission be mailed to them before they will provide any assistance.

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 2026-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Upon receiving and attempting to activate the card I wanted to accept the promotional offer of 0 % for as stated transfer balances while giving info to transfer I was told that I was not able to transfer more than one balance why would u advertise balance transfers as in more than one thats the only reason why I accepted the offer with the intention of consolidating my accounts if this will not be honored than please direct me to renig on my current account with this particular card account

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 2026-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Name of company that reported the item I'm disputing : LVNVFUNDINGLLC XXXX XXXX XXXX XXXX XXXX XXXX C/ORESURGENTCAPITALSERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Placed for collection : XX/XX/XXXX Date Updated : XX/XX/XXXX PaymentReceived : ( {$0.00} ) OriginalAmount : {$150.00} OriginalCreditor : XXXX XXXX XXXX  Retail ) PastDue : {$150.00} PayStatus : InCollection Remarks : ACCTINFODISPUTEDBYCONSUMR ; >PLACEDFORCOLL Can you please remove this fraudulent information from my account/ID? I 1 ) never completed a transaction with XXXX XXXX XXXX  ) I was not aware of this transaction ( I found out with an alert from XXXX  ) and XXXX ) as far as I can remember I was never contacted by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: VA

Complaint narrative:
I opened a credit-builder account through Self Financial in or around XX/XX/year>. The account was reported to the credit bureaus by XXXX XXXX as the furnishing entity. 
I previously filed a CFPB complaint regarding inaccurate reporting on this account. In response, Self Financial confirmed in writing that corrective action was taken and that information was submitted to the credit reporting agencies to update the account. 
Despite this, the account continues to be reported by the furnisher in a manner that is inaccurate and internally inconsistent. The account reflects a {$0.00} balance and available credit while also being reported as a collection and/or charge-off. 
This reporting is misleading and does not accurately reflect the legal or factual status of the account. If the account has been charged off, it should not reflect available credit or appear as an open tradeline. If the account is open, it should not carry a derogatory charge-off or collection status. 
I have disputed this reporting with the credit bureaus and provided documentation supporting the inaccuracy. To date, the furnisher has failed to correct or properly verify the account in compliance with the Fair Credit Reporting Act. 
I am requesting that the account be deleted or fully corrected to reflect accurate, complete, and verifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I am submitting a complaint against Citi Bank regarding a closed Citi XXXX credit card account. I have been a Citi customer since XXXX and have always maintained my accounts in good standing. 

I set up automatic payments on XX/XX/XXXX and received a confirmation letter on XX/XX/XXXX. Despite this, the autopay was not processed. I noticed the missed payment on XX/XX/XXXX and called Citi that day ; I was told the problem would be fixed. 

On XX/XX/XXXX, I received my statement showing improper charges : a late fee of {$39.00}, an interest finance charge of {$560.00}, and a penalty APR increase from 12.74 % to 26.74 %. I called Citi and spoke with a representative named XXXX, who said I had to pay {$830.00} before Citi would help me and refused to transfer me to a manager. 

On XX/XX/XXXX, I called three more times, was placed on hold over an hour each time, and was repeatedly told I would be transferred, but no transfer ever occurred. Citi refused to help, despite the error being entirely their fault. 

Because the account is closed, I can not pay online and must rely on phone support, which they have obstructed. 

I am requesting the CFPB require Citi to : 1.Remove and credit the {$39.00} late fee 2.Reverse and credit the {$560.00} interest finance charge 3.Restore the original APR of 12.74 % 4.Confirm my account is in good standing 5.Confirm no negative credit reporting occurred I acted promptly and in good faith ; all penalties were caused by Citis errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I received a alert from XXXX  stating that BILT/XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did a HARD Inquiry on my credit report. Which I never give information or permission to them Bilt to apply for a Credit Card. As soon as I noticed the alert I called XXXX  they said they're not able to dispute the inquiry. I have to call the company and I called the number on the inquiries as it provided but they said they can't find any information. Today, XX/XX/XXXX, I received a credit card from BILT. and I called the number on the card which is XXXX but they said they can't provided any information. Still I can't get the hard inquiry out of my report and there's a credit card that identify theft applied for under my name. I did not give any permission for they to pull a hard inquiry and applied for a credit card.

Company response to consumer: Closed with explanation