vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: CrossCountry Mortgage LLC
State: MI

Complaint narrative:
I am asking that the loan be closed and that my money be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/year>, Credit Karma initiated the closure of my XXXX account ( Credit Karma Money , powered by XXXX XXXX , Member FDIC ) and sent written confirmation that any remaining balance would be returned within 710 business days via ACH transfer to my linked XXXX XXXX account . On XX/XX/year>, my federal tax refund of {$3300.00} was deposited into the account. I was immediately unable to access those funds as the account had already been frozen due to the pending closure. When I contacted support, I was told the full balance including the tax refund would be transferred to my XXXX XXXX account upon completion of the closure, within a revised timeframe of 14 business days. That deadline has also passed. As of XX/XX/year>, my Credit Karma XXXX account shows an available balance of {$3300.00}, visible in the app but completely inaccessible ; the account is neither closed nor released and displays the in-app message " Your account is frozen for your protection '' ; no ACH transfer has been received by my XXXX XXXX account ; and I have no ability to move, withdraw, or access the funds in any way. Between XX/XX/XXXX and XX/XX/year>, I made more than 13 outgoing calls to Credit Karma support, totaling several hours. I have call logs documenting every contact. I spoke with multiple named representatives including XXXX, XXXX, XXXX, XXXX, and XXXX as well as a supervisor who identified himself as XXXX. Every representative committed to a callback or escalation that never materialized. I was repeatedly told my case had been escalated to a special team that would contact me. No call ever came. I am currently unemployed and experiencing financial hardship, which I communicated directly to Credit Karma representatives on multiple occasions. This had no apparent impact on how my case was handled. When I attempted to submit a formal written complaint to Credit Karma, I received an automated response stating the email address does not accept incoming messages, leaving me with no written escalation path.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CrossCountry Mortgage LLC
State: GA

Complaint narrative:
I requested a standard payoff statement for my loan from CrossCountry Mortgage, LLC. The company requires a {$25.00} expedited fee to provide the payoff statement via email or fax, regardless of whether expedited delivery is actually needed. The only free option offered is delivery by mail, which takes approximately 46 business days. I was not given the option to receive the payoff statement electronically without paying the fee, even if I was willing to wait. This practice effectively forces customers to pay for timely access to their own loan information and limits reasonable access to standard account documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: MA

Complaint narrative:
PayPal processed a payment to XXXX XXXX for {$12.00}. I disputed this charge as I had cancelled the service, and provided proof that I had requested cancellation which XXXX had failed to cancel. PayPal ignored the documentation and denied the dispute. Upon appeal, they denied it again, ignoring the documentation again. PayPal offers no resolution for consumers, and hides behind phantom " teams '' that do nothing to follow up, Review, investigate, or address any concerns..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year> I received per USPS Mail form XXXX for my used vehicle loan that I previously submitted and signed at my local NFC branch on or around XX/XX/year> I then was instructed to sign and return the same documents per USPS Mail which will include a self addressed envelope to return to the title department. Once received I telephoned NFC Title department spoke with Supervisor XXXX and questioned why I did not receive an self addressed envelope and needed assistance on highlighted questions he became angry stated the missing envelope was not his fault and proceeded to hang up. I immediately called back spoke with a representative from the title department who stated she did not understand why i was instructed to return document per mail and there obviously was a cross up the representative even suggested that I return to the local branch resubmit the same document, when I questioned why should I represent in person with the same document when she acknowledged it was received and there was a tracking number, she placed me on hold when I requested the tracking number, the representative placed me on a long hold, never returned to my phone call and never called me back. Now I an stuck with a time sensitive document, confusing instructions, and the immediate threat of my used car loan converted into a personal loan which will include a high interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
MIDLAND CREDIT MANAG is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAG 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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Vehicle : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lien Satisfaction Date : XX/XX/XXXX I am filing this complaint against Wells Fargo Bank for serious failures in handling my paid-off auto loan, including a nearly five-year delay in releasing the lien, issuance of a defective lien release document, and inaccurate credit reporting.Timeline of Events : My auto loan was paid in full on XX/XX/XXXX. For almost five years ( 1,757 days ), Wells Fargo failed to release the lien and clear the title. On XX/XX/XXXX, Wells Fargo finally issued a notarized Lien Release Certificate. This document admits the loan was satisfied on XX/XX/XXXX, but it contains serious errors : my name is misspelled and it lists an old address where I did not live at the time of payoff. I still have not received a corrected lien release with my proper name and current address. On XX/XX/XXXX, after I sent a formal demand letter, Wells Fargo made a {$690.00} change to my credit report. Wells Fargo later sent me a letter claiming my credit reporting was correct, despite the recent change and the long history of errors. Harms Caused : The prolonged cloud on my vehicle title prevented me from selling or transferring the vehicle. I suffered financial losses including lost resale value ( {$2000.00} ), extra insurance/registration/maintenance costs ( {$1200.00} ), and significant emotional distress and frustration. The defective documents and inaccurate credit reporting continue to harm my ability to manage my finances and property. Violations : Violation of A.R.S. 28-2134 ( Arizona law requiring lien release within 15 business days after payoff ). Breach of contract ( failure to provide clear title upon full payment ). Violations of the Fair Credit Reporting Act ( FCRA ), including inaccurate reporting and failure to conduct a reasonable investigation/correction of disputed information. Unfair and deceptive servicing practices.

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 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Lendbuzz Inc.
State: MA

Complaint narrative:
I electronically signed a financing contract with Lendbuzz for a XXXX XXXX XXXX from a dealership. However, due to a disagreement regarding the down payment terms on the day of pick-up, the vehicle was NEVER delivered to me. I have never taken physical possession of the car. I contacted the dealer to request a formal cancellation of the loan due to non-delivery, but the owner refused and explicitly threatened in a written message to let the account go into " Repossession '' ( Repo ). On XX/XX/XXXX, I contacted Lendbuzz customer service to report the non-delivery and the dealer 's refusal to cancel. The bank documented the complaint but the account remains active. I am being held liable for a loan of {$18000.00} for a vehicle I do not possess and never drove.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
CFPB COMPLAINT : AMEX BAD FAITH & REGULATORY DECEPTION SUBJECT : URGENT NOTICE OF DECEPTIVE PRACTICES ( CFPB Ref No : XXXX and XXXX ; AMEX Ref : XXXX and XXXX ) I am a senior citizen documenting a calculated act of Regulatory Deception and Bad Faith by American Express regarding a {$78000.00} dispute with XXXX XXXX. On XX/XX/year>, Amex sent a formal letter ( Ref : XXXX and XXXX explicitly inviting me to provide " written proof of damage from a professional engineer. '' Today, XX/XX/XXXX, while I was attempting to upload the requested 24-page Structural Engineering Report ( XXXX XXXX XXXX XXXX. ), Amex agents intentionally obstructed the process, closed the dispute portal mid-call, and sent a generic " Arbitration '' email instead of the promised evidence link. This engineering report documents : Structural Failure : Forensic moisture readings of 33.3 % saturation. Statutory Fraud : The contract is void ab initio under XXXX XXXX XXXX XXXX ( Illegal payment schedule ) and XXXX XXXX XXXX XXXXXXXX ( Unregistered signer ). State Criminal Referral : The California Dept. of Insurance has referred this merchant to the Criminal Fraud Division ( File # XXXX ). Amex is utilizing administrative obstruction to prevent the delivery of forensic evidence they requested. Furthermore, Amex re-labeled this purchase as a " Cash Advance '' ( XXXX XXXX ) specifically to trigger predatory interest and evade FCBA protections. I demand a permanent reversal of this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
D ear Consumer Financial Protection Bureau, I am writing to formally report an issue involving missing funds from my checking account that I have been unable to resolve through my bank. On Monday night, I checked my account balance and confirmed that I had over {$400.00} in my checking account. The following morning ( Tuesday ), I checked again and noticed that approximately {$200.00} and some change was missing. There were no transactions, withdrawals, or charges listed that would account for this discrepancy. I immediately contacted customer service and also visited a physical branch location to investigate the issue. Despite these efforts, I was told that there were no visible transactions or explanations for the missing funds. Concerned, I began researching online and found that other individuals have reported experiencing very similar situations, often involving comparable amounts of money disappearing without any record of a transaction. This pattern raises serious concerns about a potential systemic issue. I am requesting a formal investigation into this matter. I believe there may be account activity or internal discrepancies that are not visible through standard customer access, and I understand that your agency may have the ability to review deeper financial records. Please advise on the next steps and any additional information you may need from me. I am prepared to provide account details, statements, and documentation upon request. Thank you for your time and 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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I disputed this account and requested proper validation from Credence Resource Management. In response, the company claimed that validation was provided ; however, the only document submitted was a billing statement from the original creditor. This does not constitute proper validation. The company failed to provide a signed agreement, full account history, proof of assignment or chain of title, or any documentation establishing that I am legally obligated to pay this debt or that they have the legal authority to collect it. I also requested the method of verification, and no explanation was provided as to how this account was verified, what documentation was reviewed, or who verified it. Despite failing to provide proper validation, Credence continues to report this account on my credit report as accurate, which is misleading and damaging to my credit profile. I have filed a complaint with the Federal Trade Commission and my State Attorney General regarding this matter. I have also submitted formal feedback through the CFPB addressing the inadequate validation provided. Credence has been given multiple opportunities to correct this issue and has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westcreek Financial
State: FL

Complaint narrative:
Pursuant to closed case with Koalafi I was of the view that the furniture will be returned voluntarily without charge. I made attempts to have the furniture removed from my premises but was told by a representative that I will need to pay {$1400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I discovered that my identity was used without my knowledge or consent to co-sign or open a residential lease account with XXXX XXXX XXXX on or about XX/XX/year>. I did not apply for, authorize, or sign any lease or related documents for this account. The account is associated with an address that I have never lived at and have no affiliation with. I did not provide my personal information to any individual or company for the purpose of obtaining housing or co-signing a lease. Upon discovery of this issue, I immediately filed a police report and submitted an identity theft report through the FTC. I have also initiated disputes with the credit reporting agencies requesting that this fraudulent account be blocked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I am disputing the reporting of a charge-off account with Aldous And Associates , Account Number XXXX XXXX XXXX, reporting a balance of {$750.00}. I do not have access to this account and have not been provided with the information I am entitled to review. I want to see the complete account history from a {$0.00} balance to the present balance, the date of first delinquency, the date the account was charged off, and the amount at charge-off. I am also requesting a copy of the original signed agreement for verification. Additionally, this furnisher failed to provide me with the legally required notices before furnishing derogatory information. Under the Fair Credit Reporting Act, they were obligated to send me a Negative Information Notice ( 15 U.S.C. 1681s-2 ( a ) ( 7 ) ) and an Adverse Action Notice ( 15 U.S.C. 1681m ). I never received either. These failures denied me the opportunity to address the account or dispute my credit report and constitute FCRA violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Dear ones, I file a formal complaint against Citizens Bank due to a cash deposit at an ATM that was poorly managed and subsequently reversed without a clear explanation. On Saturday, XX/XX/XXXX, at XXXX XXXX, I made a cash deposit of approximately {$3000.00} at a Citizens Bank ATM. The cashier returned {$680.00}, but kept the rest. I reported the incident to the bank, and after the initial investigation, they credited the total amount to my account seven days later. However, on XX/XX/XXXX, the bank reversed the credit and withdrew those funds, claiming that no excess was found at the ATM. This is a clear inconsistency : first, the bank confirmed the excess and then denied it without providing evidence of both decisions. I have repeatedly requested the cashier 's balance sheet documents and justifications, but I have not received a clear explanation. I request a complete investigation of the case, detailed documentation of both analyzes, and that the money of {$2400.00} be returned to my account. This process has generated financial stress and confusion, and I require a formal and consistent response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am extremely distressed to see that inaccurately reported accounts are still appearing on my credit reports and they have not been removed despite my efforts. This ongoing issue is overwhelming, and I am urgently asking that all the documents I submitted be carefully and thoroughly reviewed so I can finally have peace of mind and not keep worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: MI

Complaint narrative:
PLAZA SERVIC is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERVIC 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FinCo Services Inc DBA Current
State: AR

Complaint narrative:
I have had my current account for well over a year now and recently they restricted my account and placed it under review, which in turn makes it to where I can't get my money out of the account. On XX/XX/XXXX I received an email stating that they needed to verify my identity in which a couple of days later I sent in the requested documents as well as followed up to make sure they received them, which they did. I chat with support every day and all I get it we are working as quickly as we can to unrestrict my account but every morning it is still locked. I need my fund out of my account to pay my bills and keep a roof over me and my kids head. Please help me get this moved along with current because they won't seem to listen to me.

Company response to consumer: Closed with explanation