vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 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: CA

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union ( NFCU ) for a violation of Regulation E. NFCU denied my fraud claim regarding multiple unauthorized transactions this XXXX and Early XXXX. Under federal law, a bank must provide a substantive written explanation of its findings when denying a claim. Upon my appeal, NFCU provided only copies of my own bank statements as 'evidence. ' Which only proves a loss occurred, not that I authorized it. NFCU has failed to provide the merchant response data, IP logs, or device IDs they relied on for this denial. These transactions resulted from a criminal compromise of my device via a XXXX XXXX XXXX ( XXXX XXXX and account takeover, which occurred via a XXXX XXXX that I was unaware of. I did not initiate or benefit from these transfers. NFCU is ignoring the technical nature of this unauthorized access and is withholding the documentation I am legally entitled to review. I am requesting that NFCU reverse the charges or provide the full investigative file immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
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 col

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
discriminatory behaviors and practices at park slope branch against my disability. following up from XX/XX/year> attempt to withdraw available funds from account : on monday, XX/XX/year> attempted to speak with branch manager and who branch manager reports to and i was ignored. attempted to withdraw the amount that was previously requested on XX/XX/year> and was refused because my passport i.d . is now unacceptable for withdrawals. the staff, XXXX XXXX, XXXX, XXXX, and the other tellers at the counter whose name i was unable to obtain at this branch behavior is despicable towards me. it's been over 2 years if not more i have been disappointed, disrespected, and upset with the behaviors and lack of customer service integrity of staff towards me!

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 2026-04-20 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: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
I have an active mortgage account that is currently in foreclosure status, with a sale date scheduled for XX/XX/XXXX. Beginning in XX/XX/XXXX, I contacted the servicer and associated parties to request foreclosure prevention options, including loss mitigation, reinstatement, and payoff information. I was advised at that time that a scheduled foreclosure sale would not be postponed and that reinstatement rights had expired, while also being provided payoff information. In XX/XX/XXXX, following the conclusion of a bankruptcy case, I was informed that a foreclosure sale would likely be scheduled again. Over the past several months, I have made multiple additional attempts to request loss mitigation assistance and to understand the documentation required to submit a complete application, including tax-related requirements. While I received limited responses, I was not provided with clear, complete, or actionable guidance that would allow me to proceed. Communication has been inconsistent, and I have not been provided with clear direction on how to move forward with a complete loss mitigation application. I have also attempted to contact the foreclosure attorney associated with this matter but have not received meaningful guidance or direction. I am actively working in good faith to stabilize my financial situation following a property loss event. I now have rental income in place and an active insurance claim pending, which will provide additional funds. Despite these efforts, I have not received the information or engagement necessary to submit a complete loss mitigation package or pursue available options prior to the scheduled foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: InDebted Corporation
State: HI

Complaint narrative:
This has been on going since XX/XX/year>. I in which Indebted USA has been attacking my credit, by saying I have been placed in collections for them. I have never heard of this company, nor have I ever worked with them. I saw that the Original Creditor was XXXX XXXX in which works with XXXX. I have called XXXX twice now to clear this information. I have gotten confirmation that I do not have any wrong doing with billing on their end. I have then called Indebted USA ( individuals who are putting me in collection ) to attempt to have my name cleared. In which they couldn't pull up my information because I don't have an account with them. I ask to see how they could stop hitting my credit, and was told by XXXX, their supervisor, they could not pull up my information, as they don't work with the Original Creditor anymore. XXXX seemed pretty quick to get me off the phone as he kept telling me that he will talk to his manager about this and call me back with more information. I am going to place another dispute, as this will be my 2nd dispute with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Auto Advantage Finance, LLC
State: OK

Complaint narrative:
I am writing in reference to your recent correspondence regarding account XXXX. Please accept this email as a formal dispute of the debt associated with my account with Auto Advantage Finance / XXXX XXXX XXXX ( Account Number : XXXX XXXX ). I do not believe this is a valid debt based on the circumstances surrounding the repossession. On the day the vehicle was taken, we attempted to make a payment to bring the account current. However, we were locked out of the payment system and our payment was refused, despite the account being less than 30 days past due at that time. Furthermore, the repossession was conducted unlawfully. The tow truck driver entered our private yard rather than the driveway and proceeded with the repossession despite explicit instructions not to do so. The driver witnessed our attempts to pay and the fact that we were locked out of the system. I am also aware of other individuals at the XXXX location who were permitted to make payments or retrieve their vehicles under similar circumstances. I believe the handling of this account has been influenced by the personal bias of an account manager named XXXX, whose actions I consider to be unlawful. Due to these issues, I am currently in the process of retaining legal counsel to represent me in this matter. Please be advised that I am also filing formal complaints with the Federal Trade Commission, the XXXX XXXX XXXX, and the Consumer Financial Protection Bureau to address these practices. They sold it as low as possible and requiring for me to pay the remainder. The case manager made this a personal matter not a legal business matter. I just feel like all our rights as a consumer were taken advantage of. The repossession should have never happened we reached out and communicated and also tried to pay what they were asking. The manager took it into her hands and did what she wanted to do. Thank you for your attention to this dispute. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, Hope you're doing well! I'm not exactly sure how to go about this, so I'm hoping you will be able to provide some clarity about what I can do. In short, much of my student loans were taken out by my mom to pay for my younger brother 's undergraduate. For years, XXXX XXXX XXXX ( where my brother attends ) misreported my brother 's birth year as XXXX instead of XXXX, meaning they had erroneously told him he doesn't qualify for any federal financial aid. After I had graduated and accumulated $ XXXX of debt ( again, largely going to his schooling ), they found the error and now he gets the appropriate aid from FAFSA . However, his school is claiming that they do not owe any backpay. I find that this is unacceptable, as my student loans have been racked up to cover their error. Is there any way I would be able to get repayment from the school/FAFSA? Thank you so much for your help. Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC refuses to remove this fraudulent account from my credit file. I have tried several times to fix this to no help. Balance : {$1100.00}. This is fraud! Not mine!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
So I have a Chase sapphire preferred credit card for 3 years. Never missed a single payment, not one. Usually my payment is due every XXXX of the month. I go to the grocery store on XXXX XXXX. I pay with the sapphire card and it says insufficient funds. I go alright, maybe their machine doesn't work because i did not max out the card. I go to check on chase mobile app and it says i missed a payment 6 days ago. I do not recall missing a payment, I made a payment for chase freedom flex. Usually i pay those together. Maybe i made a mistake, maybe i forgot, I'm a human being honest mistakes will happen, I'm not perfect. Never got an email, an alert, a text, nothing. I got an email that i have a bill due next month, XX/XX/XXXX which i assume usually means i paid for this month. So once I see why my card is locked, I pay immediately. They added all these extra fees, late fee and what not, Thats fine. I paid the minimum they asked for. I see that my credit line has decreased by {$4000.00}. It was originally {$8200.00} and now it is {$4200.00}. When I called on the phone they claim " sorry for your inconvenience, there's nothing they can do. '' Thats all I got. I have never missed a single payment in 3 years. Not one. I got no message no alert. No warning, I need at least a warning. On the phone, they said they decreased the limit on XX/XX/year>. 5 days to decrease the limit of someone who's never missed a single payment is extremely aggressive. I'm still looking to see if I missed something. This is not right. I also have chase checking and savings account. Like at least try to call me or something. Like give me a chance. 5 days and credit card limit slashed. 3 years of always paying on time and a lot of times above the minimum. Now before I forget, I do owe {$3800.00} on that cedit account but so what. Im still not halfway there. Ive maxed it out two years ago and paid it in full, it reached XXXX. My monthly spending isn't even that crazy. So I dont understand why Chase would not at least make the effort to contact somebody first. A warning would have been nice. But I'm hearing this is the norm for chase. Not even a full week, 6 days. Only found out going to the grocery store. There has to be a grace period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood credit card company denied this dispute primarily based on procedural timing limitations rather than a full and fair evaluation of the underlying service failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
I am an XXXX XXXX filing a complaint against American Credit Acceptance regarding improper removal of Servicemembers Civil Relief Act ( SCRA ) protections. I have been on continuous active-duty orders since [ Month Year ], with no break in service. My orders were later amended/extended due to ongoing military activation requirements. Due to operational duties, I was without access to communication for approximately 21 days and was unable to submit updated orders during that time. I provided my orders immediately upon regaining access. Despite continuous eligibility under the Servicemembers Civil Relief Act, American Credit Acceptance removed my SCRA protections and retroactively reported my account as delinquent from XX/XX/XXXX through XX/XX/XXXX. This resulted in late fees, excess interest above the statutory cap, and significant negative credit reporting, causing approximately an XXXX-point drop in my credit score. Under SCRA, protections must be applied retroactively once qualifying orders are provided, and eligibility does not require uninterrupted administrative communication during active-duty service. My military status did not lapse at any point. I am requesting : Full reinstatement of SCRA protections for the entire active-duty period Removal of all late fees and excess interest charges Correction of account status to reflect compliance during military service Removal of all negative credit reporting associated with this issue This matter has caused substantial financial harm and requires immediate investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
I am disputing a medical debt of {$1400.00} being collected by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, DO. This debt is invalid. On XX/XX/XXXX, my daughter received XXXX XXXX at XXXX XXXX XXXX XXXX. Following this visit, my insurance provider, XXXX XXXX XXXX XXXX, processed the claim and issued payment. The Explanation of Benefits ( EOB ) confirms that the visit was covered and processed. I never received any bill or invoice directly from XXXX XXXX for any additional charges related to this visit. In XX/XX/XXXX, I was first contacted by XXXX XXXX XXXX regarding an alleged balance of {$1400.00}. This was the first time I became aware of any additional charges. I immediately disputed the debt and provided documentation showing that the visit had already been processed through insurance and that no balance was owed. Prior to XXXX XXXX XXXX involvement, this same alleged debt was assigned to a different collection agency. I disputed the debt with that agency and provided my EOB as proof that the claim had been processed. That agency reviewed the documentation, closed the account, and removed the collection from my credit report. Despite this, the same alleged debt has now been reassigned and is being pursued again. I also participated in a three-way phone call with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX representative XXXX XXXX XXXX XXXX During that call, the insurance representative confirmed that the visit was covered and paid and that no separate claim was ever submitted by XXXX XXXX for this alleged balance. The insurance representative stated that the provider would need to submit a claim for review, but that it may not be eligible due to timely filing requirements. The collection agency representative stated they would not submit the claim unless payment was guaranteed and continued to pursue collection. This indicates that the provider failed to submit a claim to insurance within the required timeframe and instead sent the account to collections without proper billing. I was never billed directly, and the debt was never properly processed through insurance. Despite being informed of this and provided documentation, Ability Recovery Services continues to attempt to collect on this debt. I am requesting that this alleged balance be removed in full, that all collection activity cease immediately, and that any negative credit reporting related to this account be deleted. This debt has already been reviewed and closed by a prior collection agency after I provided proof it was not valid, and it should not be pursued again.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
FAILURE TO PROVIDE TIMELY AND ADEQUATE VALIDATION XXXX XXXX XXXX received my written validation request on XX/XX/year>. Despite this, XXXX failed to provide any response or validation for a period of approximately eighty-nine ( 89 ) days. During this time, XXXX did not provide any documentation to substantiate the alleged debt, nor did they demonstrate their legal authority to collect. CEASE AND DESIST NOTICE AND IMPROPER RESPONSE Due to XXXX failure to provide validation, I sent a formal Cease and Desist letter on XX/XX/year>, instructing them to cease all communication and collection efforts as permitted under the Fair Debt Collection Practices Act. After receiving this cease and desist notice, XXXX responded by sending a generic billing statement. This response is inadequate and does not constitute proper validation of the alleged debt. Additionally, this communication appears to be an attempt to continue collection activity despite the cease and desist request, rather than a lawful and sufficient validation response. INSUFFICIENT VALIDATION UNDER THE FDCPA The documentation provided by XXXX fails to meet the requirements of proper debt validation under the Fair Debt Collection Practices Act. Specifically, XXXX has not provided : * A signed agreement or contract bearing my signature * Documentation establishing a complete chain of title or assignment of the debt * Evidence demonstrating that I am legally obligated to pay the alleged amount * A complete and itemized accounting of the balance A generic billing statement, without supporting documentation, is insufficient to verify the debt or establish XXXX authority to collect. XXXX failure to provide adequate validation, combined with its response after receipt of a cease and desist notice, raises serious concerns regarding compliance with the FDCPA.

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 2026-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CMG Financial Services, Inc.
State: CA

Complaint narrative:
Since XX/XX/year>, I have reached out to my mortgage company ( CMG ) to remove my PMI from my account 4 times by the CMG portal and have spoken to different representatives more than 3 times. Each time, they have directed me to try different things but they have all been unsuccessful in removing my PMI. From the what representatives have informed me, they will not remove the PMI due to my loan not reaching 80 % of the original LOAN amount, even though my appraisal amount was higher and has now been paid past the 80 % amount. They are refusing to acknowledge my appraisal amount, even though their website, dashboard and documents all say they go off of the original APPRAISAL amount, not original loan amount. I also believe, from what I have read, they are required by regulation to go based on the appraisal amount. Please let me know if you can help with this, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I filed for unemployment I was approved I never received my debit card issued from the government I contacted Bank of America asking them why I hadn't received my card because the government used Bank of America to send out the debit cards Bank of America then told me that they sent my debit card to an unknown address which is weird because they had my information on file because I was banking with them at the time. I'm not sure of the exact dates I do know it was in XXXX and XXXX of XXXX that the card was sent out unbeknownst to me. Not until I filed again with unemployment did they tell me about the funds they had already sent out previously. I file again in XXXX of XXXX. The total amount was {$24.00}, XXXX and some.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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