vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: United Shore Financial Services, LLC
State: GA

Complaint narrative:
This complaint concerns a VA one-time close construction-to-permanent mortgage loan that has not been properly finalized despite completion of construction. Construction of the home was completed, and a Certificate of Occupancy was issued on XX/XX/XXXX. All subcontractors and vendors were paid in full, and no liens were filed against the property. The statutory XXXX period under Georgia law has expired. A total of approximately {$61000.00} in borrower funds was held by the fund control company. Of that amount, approximately {$40000.00} was previously released. However, the remaining {$21000.00} continues to be withheld. The reason given for withholding the remaining funds is that the builder has refused to sign final documentation. The builder has attempted to condition his cooperation on the execution of a release of liability, which is unrelated to the lenders obligation to release borrower funds or complete the loan process. The lender has stated that they can not release the remaining funds or convert the loan to permanent status without the builders signature. However, this position is inconsistent with the prior release of approximately {$40000.00} without the builders signature. No explanation has been provided for this difference in treatment. Because the loan has not been converted to permanent status, interest-only payments are continuing on a completed home. This has resulted in ongoing financial harm. Multiple attempts have been made to obtain clarification, including requests for the release of the remaining {$21000.00} and for guidance on converting the loan without the builders signature. As of XX/XX/XXXX, no clear resolution or actionable path forward has been provided. There is no remaining construction or lien-related risk that would justify continued withholding of funds or delay in completing the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
SPS Servicers, I am asking to avoid foreclosure and keep my home while continuing to meet my obligations responsibly. I am fully committed to working with SPS in good faith to reach a fair and realistic solution. However, the current repayment plan is not viable and will only worsen the situation. If no reasonable alternative is provided, I may be forced to seek legal assistancesomething I would strongly prefer to avoid, as those funds would be better used toward my mortgage payments. Unfortunately, I was later informed that the document was not received by the SPS. This appears to be due to mail missing during the holiday season or mishandlingan issue beyond my control. I respectfully ask, why should I be penalized for circumstances outside of my control, especially after fulfilling all trial payment requirements in good faith, and even if I send my payment in advance before the due date XX/XX/year>? ) Additional information provided by consumer : XXXX Please send complaint to Select portfolio servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I made a payment agreement and paid all the debt, they promised that if I paid all of it they will remove the negative marks from my credit report and they were going to delete the debt from the company Gap/ Syncrony bank negative remarks on my credit report but they had not.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP 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 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I purchased a XXXX XXXX XXXX on XXXX for {$770.00} on XX/XX/year>. The seller initially messaged : Hello, you can track your shipment on the courier company 's website : XXXX Tracking number : XXXX. The shipment should arrive around XXXX XXXX. Have a nice day! Later, on XX/XX/year>, they admitted : I am required to put in a different tracking number, which is unrelated to your order. I never received the item and the XXXX user immediately closed their account after this transaction. XXXX confirmed it was delivered to a different address signed by someone else. XXXX acknowledged this type of transaction was a common scam but closed the case, advising me to go through my credit card. Capital One initially credited my account but later denied the dispute citing a missed deadline. I have XXXX proof of delivery to a different address other than mine, XXXX messages, and Capital One correspondence. This was clearly a fraudulent transaction, and I request reversal of the {$770.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
Complaint : I am filing a complaint regarding my Apple Card account, which I have been unable to access or manage due to unauthorized account information changes that Apple has failed to resolve. My Apple ID has been altered to include a phone number that I did not add and do not recognize. Because Apple Card is managed through the XXXX XXXX and Apple ID ecosystem, this has completely locked me out of my credit account. Over the past week, I have spent approximately 12 hours communicating with Apple Support attempting to re solve this issue. Despite repeated identity verification and escalation requests, Apple has failed to correct the unauthorized phone number or restore access to my account. As a result : I can not access or manage my Apple Card I can not add my card to my wallet I can not verify account security I have been given no resolution timeline Additionally : I was told a replacement card can not be mailed I was advised that closing and reopening the account may be the only solution, which could negatively impact my credit This is unacceptable. I am being denied access to my own credit account due to errors within Apples system, and I am being asked to accept potential credit damage to resolve an issue I did not cause. Legal Concerns : This situation raises concerns under : Fair Credit Billing Act ( FCBA ) Truth in Lending Act ( TILA ) Fair Credit Reporting Act ( FCRA ) I am being denied reasonable access to my account and the ability to manage my credit without penalty. Desired Resolution : Immediate correction of unauthorized Apple ID information Full restoration of access to my Apple Card account Written assurance that my credit will not be negatively impacted Confirmation that my account has not been compromised Investigation into how unauthorized account changes occurred Additional Information : This issue has persisted for over a week despite extensive efforts to resolve it directly with Apple. I am requesting regulatory assistance to ensure a timely resolution. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Issue : Account closed without notice ; funds withheld with no clear explanation ; repeated misinformation about access to funds ; urgent medical need ignored. Complaint : Capital One closed my account without providing any prior notice. Because of this, I had no opportunity to withdraw my funds or prepare for the account closure. After the account was closed, I was told that a check containing my remaining balance had been mailed to me. I have been contacting Capital One for approximately two to two and a half weeks to ask about the status of this check, and I was told I would receive it this week. I have not received anything. During this time, I have spoken with multiple representatives, including a representative, a manager, and a senior manager. Each of them told me that I could access my funds through an ATM. I explained repeat edly that I do not have an active debit card because the account was closed before I was informed, making ATM access impossible. Despite clearly stating this multiple times, I continued to be told to use an ATM. I contacted Capital One three separate times today due to an urgent medical situation that requires immediate access to my funds. Each time, I was told only that they were sorry and that my funds are still on hold. I have not been given a clear explanation for why the funds are being held, how long the hold will last, or whether I will ever receive the money that belongs to me. Impact : I am experiencing financial hardship and medical urgency because Capital One closed my account without notice, withheld my funds, and failed to provide accurate or consistent information about how I can access my money. I have made every reasonable attempt to resolve this directly with the bank, but I have not received a meaningful explanation or solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint regarding missing funds and unresolved account issues with Bank of America. A few months ago, I opened a personal account and noticed that an older account appeared linked to my profile, showing an available balance of approximately {$500.00}. However, I was unable to access or transfer these funds. I contacted Bank of America multiple times and was transferred between several departments, including customer service, collections, fraud, and recovery. Each department provided conflicting information. Some representatives stated that I owed a balance on an old account, while others confirmed that any prior balance had been cleared through a bankruptcy filed in 2023. Eventually, I was advised that the account would be closed and that a cashiers check for the remaining balance would be issued and mailed to my address. It has now been over three weeks, and I have not received the check. When I followed up : Some representatives claimed a cashiers check was issued but could not provide details Others stated that no check was ever issued No one has been able to confirm the location of the funds or provide documentation I also visited a local branch, but they were unable to provide any additional assistance and referred me back to customer service.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: TX

Complaint narrative:
I am filing a complaint against Citibank regarding a credit card account that was improperly charged off and reported. Citibank closed my account in or around XX/XX/2025 without my request or consent. Prior to the closure, I had updated my payment information by providing my savings account details to a Citibank representative so that payments could continue. However, Citibank later claimed they had no record of this update and continued attempting withdrawals from an incorrect account. As a result, payments did not process correctly, and the account was closed for reasons that were not my fault. I continued making payments as instructed and made what I was told was my final payment around XXXX XXXX. At that time, a Citibank representative confirmed that my account would be closed with a {$0.00} balance and that no further payments were required. After the account was closed, Citibank continued to add interest and fees. Additionally, it appears that a charge was allowed or processed on the account after it had already been closed. I did not authorize any charges after account closure, and I do not understand how transactions could be permitted on a closed account. I was not provided access to my statements and could not verify these charges. I also did not receive any clear billing statements explaining the balance being claimed. I contacted Citibank again around XX/XX/2025, and another representative told me that any remaining charges would be removed and that I did not need to make further payments. Despite this, Citibank has now reported the account as charged off and is claiming I owe a balance. I have attempted to resolve this directly with Citibank through phone calls and written communication but have not received a resolution. I am disputing the validity of this balance and the charge-off status. I am requesting : 1. Removal of all interest, fees, and any charges applied after the account was closed 2. Correction or removal of the charged-off status from my credit report 3. Written confirmation that the account is closed with a {$0.00} balance 4. A full itemized statement history showing how the balance was calculated This situation has negatively impacted my credit, and I am requesting a full investigation and resolution.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I made a complaint on XX/XX/year>. The company responded on XX/XX/XXXX. ( Pls see attached doc ) It was a while ago- they have not sent me a a check of the monetary relief of XXXX $ - their customer service gives me mixed results- they compare the XXXX to a previous transaction dispute which you can clearly read was already dealt with in credit - the company agreed to XXXX $ in monetary relief- I have not received this- I have called up several times - the first time a person said they would mail it - they never did I called up again - they said they would escalate the case and have a person call me- I explained I could only email as I couldnt afford a phone line anymore- they emailed only to say they couldnt get in touch I called them again and gave them a number for a new phone I got two days - I have been on the phone for over an hour passed between several departments- they wasted my time, caused emotional distress, gaslighting, clearly mocking the financial abuse I have complained about, one customer service agent said they won't send me the money, another said they would help sort it out, another said I dont know why they passed the phone to this department - they have messed with me so much. I indicated many times how their exploitation and injustice has made me suicidal to which they do not care and mock me with their customer service saying they also think about mortality everyday and might be homeless next week as well. The committed group neglect, intentional maliciousness by not wanting to give me the XXXX, attempts to abuse and hurt my life emotionally, physically, and psychologically, and deprive me of the resources and means to live better. Their customer service said he didnt say the words that they want to hurt me- but I explained you dont have the say the words that you want a person dead but refuse to give them food and water. I indicated to them how their exploitation of me has contributed to how Ive experienced extreme financial instability including homelessness at a point - how ive been living in a hospital since XXXX so I dont kill myself from the abuse and exploitation. Im still waiting on this XXXX monetary compensation- they constantly have made excuses when I call them up- at times even saying they dont see it reading i should get monetary compensation XXXX anywhere - also purposely referring to the XXXX XXXX dispute which was a credit card dispute ages ago in XXXX separate of the XXXX monetary relief - its like they also act like they dont speak english- and purposely abuse me by saying for the first time to speak to collections department ( and when they connect me that department says its the wrong department ) - based on my film the collector- when ive alrady expressed for how many years the weaponization of my art and exploitation of my life and work is literally killing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Credit Sage LLC
State: CA

Complaint narrative:
I am disputing a charge of {$800.00} from Credit Sage. This company charged me upfront for credit repair services, which is prohibited under federal law ( XXXX XXXX XXXX XXXXXXXX ). Services were not completed prior to charging me, and I was misled about the nature of the service and refund policy. I am requesting a full chargeback and investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citibank closed my account when I deposited XXXX dollars into it told me I had to wait 60 days to get the money back they never sent it then told me I had to contact my employer I did so and my employer told me I had to contact citi bank so everyone is basically giving me the run around

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 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX, I purchased a home in XXXX XXXX XXXX Florida for {$820000.00}. My lender set my escrow based on a projected annual property tax of {$5000.00}. My actual first-year liability is {$14000.00}. My monthly payment has increased by $ XXXXThis was not an error. It was the predictable result of Floridas Save Our Homes assessment cap, which suppresses taxes for long-term homeowners and resets to full market value when a property sells. The formula to project my real tax obligation requires only a purchase price, a county millage rate, and homestead exemption status. It was never run. Had my lender used the accurate post-sale projection, my debt-to-income ratio would have exceeded qualifying limits. I would not have been approved for this loan. I was approved based on a monthly tax figure that bore no relationship to what I would actually owe.A product that calculates this projection accurately has existed since XXXX. It was not ordered at my closing. Nothing required it to be. I understand there is currently no requirement for lenders to use post-sale tax projections at origination. That is precisely the problem. This gap in RESPAs requirements predates Floridas Save Our Homes cap by 21 years and has never been updated to account for it. I am requesting the Bureau use this complaint as part of the evidence base for a rulemaking that would require accurate post-sale tax projections on purchase loans in states with homestead assessment caps. This happens to an estimated XXXX Florida buyers every year. The tool to prevent it exists. The regulation to require it does not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
P PORTFOLIO RC s falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief