vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I submitted a qualified written request notice of serviing error dated XX/XX/XXXX to Newrez because they failed to pay my hazard insurance form my escrow account for XXXX. I received a letter dated XX/XX/XXXX stating that l did not have isurance coverage XXXX contact Newrez in XX/XX/XXXX when l received the letter. They were unable to provide an explanation on why they did not pay my hazard insurance for my home. I am in the process of getting new insurance, however, because Newrez cause my previous insurance to laspe no private company will insurance me. I now have to use XXXX a government insurance which now requires a flood insurance for {$450.00} a XXXX point inspection for {$190.00} and a XXXX month waiting period and the isurance cost of {$4300.00} which is {$1500.00} more than the previous insurance l had. All this extra money is causing financial stress on me on account of their error. I contacted Newrez middle of XXXX to let them know that the new insurance will not go onto effect until XX/XX/XXXX because of the waiting period. They sent me another letter stating that they are providing insurance for {$11000.00} which I will have to pay a portion monthly until l provide my own coverage. This is their error and they have already sent me XXXX letters since the, however they have not responded to my written request.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: FISERV FINXACT CORE
State: TX

Complaint narrative:
I was sent {$4500.00} on XX/XX/XXXX from messages XXXX XXXX. I had the {$4500.00} on my XXXX XXXX XXXX. I wanted to send it to my current bank but I accidentally sent it to my closed account with Money Network. Money Network says the transfer failed and the money was never received. They refused to open a dispute since it was a failed transaction. They told me to open a dispute with XXXX XXXX. Ive opened two disputes with them but each time they denied it unless I could get more information to reopen it. Ive contacted money network for trace numbers and any information they could provide me but the always tell me the same thing. All we can do is send you is transaction on the account. Ive received this and its has no information regarding my {$4500.00} transfer. Ive called both companies today. Both tell me to talk to the other.

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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: OK

Complaint narrative:
" WORLD FINANCE XXXX '' This letter serves as a formal demand under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Code XXXX ( XXXX ), & FDCPA XXXX ( c ) to cease and desist from reporting inaccurate information about me to credit reporting agencies. Specifically, I have identified the following inaccuracies on my credit report : XXXX AMOUNT {$500.00}. These inaccuracies are damaging my credit standing, and I demand that you immediately cease reporting these items and remove them from my credit file, they are a direct violation to my credit report, my mental stability ( ACTUAL HARM ). Failure to do so within XXXX days will result in further action, including legal suit which is {$1000.00} per every violation you have made, & possibly but not limited to legal fees, along with pain & suffering as permitted under the FCRA. Please confirm in writing that these corrections have been made. PLEASE ATTACH copies of relevant supporting documents, and I expect your prompt compliance. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently made a balance transfer with Wells Fargo. The balance transfer is 0 % interest for XXXX months. I also have been making purchases monthly as usual on the account which is subject to interest. Each month, I pay the purchases amount as to not be charged any interest. Wells Fargo does not provide an interest saver payment amount as does other Banks such as XXXX XXXX or XXXX. They leave it up to the customer to figure out how much to pay while purposefully making it confusing. Each month Ive been seeing a {$5.00} then a {$7.00} interest charge hit my account hoping I wont notice. I called to complain and asked the customer service to waive the fee and tell me how much they want me to pay so XXXX wont be charged interest. He told me an amount and I paid it, only to be charged interest again. The next time I called they refuse to waive the fee as they only do so once per year. They also refuse to answer my question of how much they want me to pay and give me a political answer. Then what I found out is that if I make XXXX payment it is getting applied to the promotional balance first and not the new purchases. The only way to avoid this is to make XXXX separate transactions XXXX to satisfy the minimum payment amount, and another to satisfy the purchase amount. If you make XXXX payment they lump it into the balance transfer promotional amount. You can not convince me in a XXXX years this isnt predatory or they are scamming their customers. Please go after Wells Fargo CFPB. What they are doing to the customers is a scam. It might be over {$5.00} or {$7.00} interest for me but its the principal and Im sure theyre collecting billions from doing this to their customers. I asked the customer service how could he accept doing this to people and he said Im just trying to collect a paycheck my man. Please feel free to reach out for more info.

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 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I recently applied for a XXXX credit card account .During the application process I informed them that I am retired on income of XXXX and that I got payed on the XXXX of each month.Now since my application was accepted I am continually billed on the XXXX of the month accruing late fees and penalties that i feel I do not owe.Any help regarding this situation would be greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Paying off the loan
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NM

Complaint narrative:
In XXXX of XXXX, my family entered into a deal with XXXX XXXX to purchase a house. We moved into the home in XX/XX/XXXX after placement of the home on the XXXX property we owned outright. The XXXX XXXX representative at the ground location in XXXX XXXX XXXX heavily pitched Vanderbilt Mortgage as our only choice for a mortgage. Also stating that we should sign over rights to our land as collateral. XXXX XXXX and Vanderbilt Mortgage are both subsidiaries of XXXX XXXX. I believe Vanderbilt Mortgage has issued my family a loan that was intentionally or negligently structured to be underwater ( where the loan amount exceeds the home 's value ). The rate that we were approved at was a rate of XXXX % interest. I have attempted to refinance this loan on numerous occasions. My XXXX efforts to refinance the loan have failed solely due to the fact that the loan was underwater before I ever lived in the home. I can neither sell the home nor refinance the loan. Refinance rejection is solely due to being at least XXXX XXXX XXXX XXXX down on the house ( underwater ) from the onset of the loan. I believe it is Vanderbilts sole purpose to issue subprime mortgages to home buyers in an effort to then foreclose, seizing land and/or trapping the homeowner at the property paying high amounts of interest. In XXXX of XXXX, upon approaching Vanderbilt Mortgage in an attempt to request some form of relief, in the form of a short sale or deed in lieu, the company ignored me. A Vanderbilt Mortgage representative stated, Vanderbilt does not do short sales and will not allow a deed in lieu. I am being forced to file bankruptcy in an attempt to surrender the home due to the inability to sell or refinance the home based on the loan being sold to me upside down from the onset. The Consumer Financial Protection Bureau ( CFPB ) sued Vanderbilt Mortgage & Finance , Inc., a unit of XXXX XXXX XXXX XXXX, in XX/XX/XXXX, alleging the lender engaged in predatory lending practices for manufactured home loans. The CFPB claims these practices violated the Truth in Lending Act ( TILA ) and Regulation Zs underwriting standards, leaving families financially devastated, facing foreclosure, and losing their homes. The CFPB dismissed its lawsuit against Vanderbilt Mortgage without publicly stating a specific reason. The dismissal, filed on XX/XX/XXXX, was voluntary and with prejudice, meaning the case can not be refiled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I am filing this complaint because my mortgage loan balance appears to have been serviced improperly for many years. I obtained a home loan of {$760000.00} in 2006. For the past 20 years, i have consistently made monthly payments ranging from approximately {$3500.00} to {$4200.00}. Despite nearly two decades of substantial payments, my current loan balance is now approximately {$760000.00}, which is higher than my original loan amount. I believe there may have been servicing errors, misapplied payments, improper fees, or negative amortization that was never disclosed or autho rized. I am requesting a full accounting review and explanation of how my loan balance increased despite regular payments. I am also requesting that the CFPB review this matter due to the possible violations of RESPA, TILA, and servicing standards. Thank you for reviewing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding interest charges applied to my American Express XXXX XXXX account. I was charged approximately {$520.00} in interest in XXXX and $ XXXX in XXXX after unintentionally failing to pay the full statement balance for the first time. While American Express waived a portion of these charges, they informed me that additional residual or trailing interest will continue to post on future statements. Customer service representatives and a supervisor were unable to clearly explain or quantify these charges, and I was told no action could be taken until additional charges post. This lack of transparency makes it impossible to understand my true balance or obligations. I am a longstanding customer with a strong history of paying in full and significant annual spending across personal and business accounts. I am requesting : - Full reversal of all interest charges related to this incident, including any residual or trailing interest- Clear disclosure of how these charges were calculated This appears to be a case where interest continues to accrue even after balances are paid, without clear disclosure or real-time visibility. I am seeking a fair resolution and improved transparency

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a victim of identity theft. A credit card account was opened in my name without my knowledge or permission. I never received it, and never activated it. I did not make any of the transactions on this account in XXXX I contacted the company ( Citibank ) and reported this as fraud. However, they promised to provide the report between XXXX but the issue has not been resolved and I have not received proper confirmation or resolution. I am requesting that all fraudulent charges be removed, and confirmation that I am not responsible for this debt. I also request that this account be removed from my credit report. This is a case of identity theft and should be handled accordingly.

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 non-monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SECURITY FINANCE CORP
State: CA

Complaint narrative:
This complaint raises an entirely independent cause of action regarding repossession procedure that was not addressed in any prior complaint or response filed against Professional Financial Services of South Carolina, LLC. It should not be treated as a continuation of previously closed matters. On XX/XX/year>, I made a payment of {$1000.00} on my vehicle loan. The following day, XX/XX/year>, while getting a haircut in XXXX, North Carolina, my vehicle was XXXX without any prior notice. Upon discovering the vehicle missing I was forced to arrange emergency transportation documented by an independent third-party XXXX receipt timestamped XXXX XXXX on XX/XX/year>, placing me in XXXX NC and confirming the vehicle was already gone at that time. PFS has claimed to the CFPB that the XXXX occurred on XX/XX/year> three days after the documented actual date. This claimed date is contradicted by two independent facts. First, the XX/XX/year> auction date falls exactly 30 days after XX/XX/XXXX the statutory minimum notice window under both South Carolina and North Carolina law. Had the XXXX actually occurred XX/XX/XXXX the auction on XX/XX/XXXX would have been conducted only 28 days later, violating that statutory window. The XX/XX/XXXX date therefore appears to have been fabricated. Second, PFS stated in a prior CFPB response that I made several payments before repossession. Their own payment ledger already produced into the federal record shows exactly one payment of {$1000.00} on XX/XX/year>. This constitutes a material misrepresentation made to a federal regulator that is directly contradicted by PFS 's own produced documentation. The XXXX raises compounding violations across two state jurisdictions simultaneously. The loan originated in South Carolina but the vehicle was seized in North Carolina while I was traveling. PFS was required to comply with XXXX and pre-sale notice requirements under both SC Code 36-9-614 and NC General Statute 25-9-614 independently. I received no written notice of XXXX before XX/XX/XXXX, no notice of intent to sell before the XX/XX/XXXX auction, and no inventory of personal property removed from the vehicle failures that independently violate the statutory notice requirements of both states arising from a single XXXX event.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( XXXX ). Please investigate the following accounts : MIDLAND CREDIT MANAGEMENT ( AccountXX/XX/XXXX XXXX ) : The details of this collection and charge-off are inaccurate and has No account number provided. Please verify all aspects of this account with the original creditor, if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The collection agency, LVNV Funding LLC is suing me for a debt. I responded to the filing, and a date has been set for us to appear in court. The case is still open and very current. The complaint is that I have also recently received an email from the same agency that is suing me on behalf of LVNV Funding, XXXX XXXX XXXX XXXX XXXX XXXX, about the same debt, to pay them directly via their website. If paying is option, why the lawsuit? This is completely unethical if not illegal in my opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ray Klein, Inc.
State: OR

Complaint narrative:
I work for XXXX XXXX and have been garnished for the last almost year. I was told I owed roughly XXXX dollars and they took XXXX XX/XX/XXXX out of my latest check. XXXX works with XXXX and they also showed a balance of roughly XXXXXX/XX/XXXX as of XX/XX/XXXX but still didn't stop from taking XXXX. It also looks like it's going to continue until something happens. Collecter is RAY KLEIN INC. ( professional credit services )... But XXXX is the XXXX helping and taking my money and not giving me any reason to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
I cancelled service with XXXX ( Source Receivables Management ) in XX/XX/year> ( account XXXX ) and paid my remaining balance of {$11.00}. I just got a notice that I now owe an additional {$83.00} including fees which makes no sense as my final bill was {$11.00} for a partial month of service. The vendor would email me a bill every month and I would pay it. This time they sent it to an incorrect address and are now demanding payment including fees and threatening to report me to to credit bureau 's. Given that Source Receivables Management never sent me a bill via email as they always had, and instead sent a bill to an incorrect address I believe that Source Receivables Management should take responsibility for their mistake, write off this remaining bill that was charged in error after I'd already made a final payment and agree to not report anything to the credit bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: MO

Complaint narrative:
Subject : Complaint Against Square ( Block Inc. ) Funds Held Without Access I am filing a complaint against Square ( Block Inc. ) regarding funds that have been placed on hold without access or a clear explanation. I recently opened a new account and fully completed all required identity verification, including submitting my personal information and identification. As a new account, there is no transaction history or prior activity that would justify an extended review. After receiving a transfer, my funds were immediately placed on hold and are not visible in my available balance. I have not been given access to my funds, nor have I received a clear explanation or a defined timeline for resolution. This lack of transparency and inability to access my own money is causing financial hardship. There also appears to be no timely support or availability for a manual review, leaving me without answers or access to my funds. I am requesting that Square ( Block Inc. ) : 1. Immediately release my funds, or 2. Provide a clear explanation and a specific timeline for resolution, or These actions raise serious concerns about the companys handling of customer funds and review practices. Consumers should not be placed in a position where their money is inaccessible without clear communication or timely resolution. I respectfully request that this matter be investigated and resolved promptly. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
On or about XX/XX/XXXX, I was the victim of a scam and was induced into sending {$3500.00} via XXXX under false pretenses. The individual misrepresented the purpose of the transaction, which caused me to believe the payment was legitimate at the time. I authorized the transaction only because I was deceived. This was not an intentional or legitimate payment, but the result of fraud and misrepresentation. I immediately contacted U.S. Bank to report the incident and requested that the transaction be investigated and reversed. U.S. Bank denied my claim, stating that the transaction was authorized, without properly evaluating that this was an induced scam. I attempted to escalate the issue and requested an appeal, but was informed that the claim would simply be re-filed the same way, leading to the same outcome. I was not provided a meaningful appeals process or the ability to submit additional supporting documentation. Despite multiple attempts to resolve this, U.S. Bank has not conducted a sufficient investigation into the scam circumstances or provided a reasonable path for escalation. I am requesting that U.S. Bank review this case under scam/induced fraud criteria and reimburse the {$3500.00} lost as a result of this incident.

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