vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
In XXXX, my mortgage was transferred from Mr. Cooper to my current lender. I received a welcome letter from the new lender and have made payments to the new lender since that time. However, Mr. Cooper failed to remove themselves as mortgagee/loss payee from my homeowners insurance policy following the servicing transfer. In XX/XX/XXXX, I received a {$50000.00} insurance check for property damage to my home. The check is payable to me, my current lender, and Mr. Cooper. My current lender will not endorse the check while Mr. Cooper remains listed. My insurance company states they can not remove Mr. Cooper from the policy without documentation proving the loan was transferred and satisfied. I have spent several months attempting to resolve this directly with Mr. Cooper. They provided a transfer document but redacted the loan number. The insurance company states they can not process removal of Mr. Cooper without the full loan number. When I requested an unredacted document, I was told to contact my current lender. The escalation team at Mr. Cooper refused to speak with me and indicated there is nothing they can do. This is a servicing error. Mr. Cooper is no longer the servicer and has no financial interest in my loan, yet they remain improperly listed and are preventing access to insurance proceeds needed to repair my home. Harm caused Because of this error : My contractor can not begin repairs My siding has significantly deteriorated since the original claim My HOA is threatening fines My property value is being impacted I have spent countless hours attempting to resolve this The delay is causing ongoing financial and property damage This is especially concerning because this servicing transfer occurred following a bankruptcy discharge, and proper servicing documentation is critical in post-bankruptcy situations. XXXX XXXX refusal to provide proper documentation and correct the servicing record is causing ongoing harm. What I want 1. Written confirmation that Mr. Cooper no longer services or holds any interest in this loan 2. An unredacted transfer/satisfaction document including the loan number 3. Written authorization allowing my insurance company to remove Mr. Cooper as mortgagee 4. Immediate correction of any internal records reflecting an active interest I am requesting prompt resolution so my insurance proceeds can be released and my home repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an account that I have fully paid, and the balance is {$0.00}. Despite this, Caine & Weiner continues to report the account as negative on my credit report. The negative reporting is currently appearing on [ XXXX / XXXX / XXXX ]. I have contacted the collection agency, but they have not corrected the reporting. This inaccurate reporting is lowering my credit score and negatively affecting my financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: CITIBANK, N.A.
State: ID

Complaint narrative:
b'I filed a purchase dispute with Citi over an XXXX order that originally had not been refunded at all even though I had returned the two items back to XXXX. As the dispute was in process XXXX did finally refund one of the two purchases. I provided clear proof of both of the returns and Citi closed the dispute in the favor of XXXX.\n\nCiti is violating my rights under the FCRA by refusing to invitigate this matter in good faith using the very clear cut evidence I provided and is colluding with the vendor (in this case XXXX to circumvent my rights to XXXX benifit. \n\nTaking five moments to review the proof I have provided or communicating with me in any way could have provided more than enough evidence to close this case in my favor. \n\n\nD-XXXX\n\nThis dispute case was opened to against XXXX for not properly refunding two identical items\nthat has been returned because they were defective. The items purchased were two 8 tb\nNVME drives costing XXXX each. The total cost of this order was XXXX (the total\namount disputed)\n\nBoth of these items were returned per XXXX policy under two separate RMAs issued by\nXXXX and both have separate tracking showing that they were returned to XXXX.\n\nReturn XXXX XXXX XXXX XXXX return tracking XXXX XXXX XXXX XXXX XXXX XXXX\nReturn XXXX XXXX XXXX XXXX return tracking XXXX XXXX XXXX XXXX XXXX XXXX\n\nXXXX eventually refunded one of these purchases, however the remining item did not\never get refunded so I am still due the remainder of this dispute XXXX This dispute needs\nto be reopened and the XXXX needs to be returned to my account.\n\nBelow is the following proof\nOrders showing two separate order numbers associated with this dispute\nPackage labels that show the RMA numbers and XXXX tracking associated with each return\nUPS tracking and proof of delivery back to XXXX\nThe XXXX provided labels have each RMA (approved XXXX return auth numbers) and their associated tracking.'

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MANA - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by 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 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I saw there is a settlement with navient. I have loans thru them and I have got ripped off with this company. They have closed and reopen my loan many times with out my acknowledgement. I was wondering if I qualify on getting money back on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: CA

Complaint narrative:
Regional finance keeps spam calling XXXX times a day about a debt that they have yet to verify that its owed to me, Ive blocked XXXX and they keep spam calling with different numbers everyday

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
Re : dispute # XXXX Disputes keeps denying the claim despite managers placing notes saying that other ATM funds not received claims being approved for the same ATM same day. Chime disputes keeps saying that they have to reverse the provisional credit on XX/XX/XXXX before they can reopen the claim stating that the system wont allow it. I need chime to cease and decist with reversal of the provisional credit of {$44.00} until the dispute is resolved. Chime says the dispute is closed on thier end but it remains open on my end. They refuse to reopen the dispute despite new evidence submitted on XX/XX/XXXX I advised chime that if I persue legal action they will be paying XXXX times the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FCI Lender Services Inc.
State: OH

Complaint narrative:
I. FACTS In XXXX, the XXXX XXXX Mortgage XXXX ( XXXX XXXX ) initiated foreclosure proceedings ( Case No. XXXX ). To cure the arrears, a reinstatement quote of {$48000.00} was issued. On XX/XX/XXXX, I delivered the full payment of {$48000.00} to XXXX XXXX counsel, XXXX XXXX XXXX, which accepted and deposited the funds. Following this payment, the court entered an Order Vacating Judgment and Dismissing Complaint on XX/XX/XXXX ( Exhibit A ), confirming the default was cured. A mortgage statement from the servicer, XXXX XXXX, dated XX/XX/XXXX ( Exhibit B ), showed the loan as current with a next due date of XX/XX/XXXX. It also reflected a large unapplied payment of {$48000.00} posted on the date of reinstatement. Furthermore, on XX/XX/XXXX, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX. ( successor to XXXX XXXX XXXX ) confirmed via email ( Exhibit D ) that the payment was deposited and the loan was reinstated in XXXX. II. FINDINGS Despite the {$48000.00} payment being accepted to reinstate the loan, the servicers records have continued to carry this amount as a deferred balance or unapplied partial payment. No new loan agreement, note, or disbursement of funds occurred that would justify retaining this amount as an outstanding obligation. III. IDENTIFIED ACCOUNTING CONDITION The {$48000.00} paid on XX/XX/XXXX, remains improperly included in the loan balance as a deferred obligation rather than being credited and extinguished. This accounting treatment persists despite written confirmation from the creditors own counsel that the loan was fully reinstated. Please review the attached exhibits to correct this accounting error. Best regards, XXXX XXXX XXXX

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Remitly, Inc.
State: TN

Complaint narrative:
I am submitting this formal complaint against Remitly regarding the suspension of my XXXX XXXX account and the withholding of {$500.00} in funds that belong to me. On [ XX/XX/year>XXXX ], my account was abruptly suspended without prior notice or a clear written explanation. At the time of suspension, my wallet contained a remaining balance of {$500.00}. Since that date, I have made extensive efforts to resolve this matter directly with Remitly. I contacted Remitlys customer service multiple times by phone. During each call, I was repeatedly instructed to contact my bank and was assured that Remitly would handle the refund once the bank completed its review. Relying on these representations, I promptly contacted my bank. My bank conducted a full investigation and confirmed that they took all possible actions within their authority. However, they informed me that they are unable to release or recover the funds because the {$500.00} is being held by Remitly and must be returned directly by the company. Despite my full cooperation and repeated attempts to resolve this matter in good faith, Remitly has failed to provide : A clear written explanation for the account suspension. A legitimate legal basis for retaining my funds. The return of my {$500.00} balance. I am deeply concerned that Remitlys actions may constitute improper withholding of consumer funds and a failure to comply with applicable federal consumer financial protection laws governing money transmitters and electronic fund transfers. I respectfully request that the CFPB : 1. Require Remitly to immediately refund my {$500.00} balance. 2. Review whether Remitlys practices comply with federal consumer protection regulations. I have documentation supporting my claims, including transaction records and records of my repeated attempts to resolve this matter. I appreciate the CFPBs assistance in ensuring that my funds are returned and that consumer protection laws are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX of XXXX, I was scammed by someone pretending to be a celebrity. They contacted me through Cash App and promised I would receive a service/payment in return if I sent {$2400.00} from my XXXX checking account. I sent the money as requested. After sending it, I realized this was a scam and that I would not receive anything in return. I reported the issue to Cash App, but they responded that they could not return the funds. I also contacted XXXX for assistance, but they have not helped me recover the money. Additionally, I filed a police report regarding this fraudulent activity. I am submitting this complaint to request help in getting my funds returned and to report this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
My loans were just discharged and returned. i attended the XXXX XXXX XXXX XXXX in XXXX or XXXX and I'm looking for a refund from NAVIENT . but the lawsettlement says that my name is not on the list for refund. So I'm looking at how to get my refund .. Also, i'm looking into a payment agency called XXXX also a student loan assistant center, I also paid them money for a couple of years so i'm looking for information on how to receive refunds. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RESOURCE MANAGEMENT are reporting on my credit report that I owe them {$1000.00} on an account that does not belong to me. I have contacted them multiple times about their negative reporting to my credit report with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/, a merchant-initiated ACH debit of {$150.00} was processed by Navy Federal Credit Union after I had previously contacted the merchant regarding financial hardship and removed autopay from my account portal. I am currently on fixed income and had informed Navy Federal of my hardship. These funds were intended for my electric bill, and I was forced to borrow money as a result of this withdrawal. I disputed the transaction within the 60-day Regulation E timeframe. Navy Federal denied the claim and repeatedly requested written documentation of my verbal communication with the merchant, which does not exist. I formally requested that Navy Federal provide a copy of the ACH authorization relied upon to determine that authorization was valid on XX/XX/. This request has been ignored. I am requesting that Navy Federal provide documentation of the authorization used in its determination and reconsider this matter, including hardship review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding unauthorized charges associated with Google XXXX and Google Payments. Account Information : XXXX Google XXXX Account : XXXXXXXX XXXX Payments Profile ID : XXXXXXXX XXXX XXXXXXXX ending in XXXX I have never knowingly used or authorized Google XXXX advertising services. However, charges were placed on my credit card. Upon discovering the transactions, I immediately disputed them with my credit card issuer and had my card locked to prevent further unauthorized charges. Despite these actions, Google continued to reflect charges on my Google XXXX account. The account was officially canceled on XX/XX/year>, yet it still shows a {$10.00} outstanding balance. Google has stated that I received the services promised, which I strongly dispute. I am requesting assistance to ensure that : 1. The {$10.00} balance is immediately removed. 2. No further charges are applied. 3. The matter is not sent to collections or reported in any way that could affect my credit. 4. Google provides documentation demonstrating when and how the alleged services were used. I believe it is improper to demand payment for services that were never authorized or knowingly used. Thank you for your review 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 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: WA

Complaint narrative:
I am constantly receiving calls and threats from the company about receiving payment yet they have a high interest rate and no real resolution for settlement. They are predatory and harass you constantly. I have received several calls where no one will speak and then hang up. When I call the number back it's their company. I received several emails as well. This debt has been lingering since XXXX of XXXX XXXX believe.Whenni go to their website to make a payment I can't even find my loan or the information pertaining to my loan. I have to contact the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: FL

Complaint narrative:
I have a bad situation here with this bank, Have long time waiting for myy refund check to be release from this bank but nothing has been happened so I think is a fishy situation from this bank and just want to be fix this problem so I just need explanation about why my money is not sent to me, and at this time need to make a request from your side to release my funds because I have remember that at the moment of account closure is around XXXX XXXX USD there on my account so I need the release of my refund check to my actual address because is much time and inclusive Ive changed my location to XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, so on this adress need my refund check, so nothing more to say I will wait for solution of this issue, thanks and regards...

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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am submitting a complaint regarding Bank of America 's denial of my Regulation E error claim. On XX/XX/year>, I sent {$210.00} through XXXX but mistakenly entered an incorrect phone number ( one digit difference ). I authorized a payment transfer, but I did not authorize the incorrect recipient. Bank of America denied my claim stating that the transaction was authorized. However, the error occurred in the transfer instructions due to incorrect recipient information. Under Regulation E ( 12 CFR 1005.11 ), an incorrect electronic fund transfer should be investigated as an error. I am requesting confirmation that Bank of America conducted a reasonable investigation and properly applied Regulation E standards. Claim Number : XXXX Amount : {$210.00} Date : XX/XX/year>XXXX I respectfully request reconsideration and reimbursement.

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 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
I contacted the collection agency regarding an account they are reporting on my credit report, during the call I was informed that the company does not have documentation. I requested validation of the debt and asked for the account to be removed due to lack of proper authorization and the refused. I believed this inaccurate and unfair.

Company response to consumer: Closed with explanation