vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding my mortgage servicers handling of my loan modification documents and what appears to be an unfair and inconsistent signing deadline. I was informed in written communication through an email that I would have 7 days to review and sign my loan modification documents. The loan modification documents were made available to me through an online notary platform on XX/XX/year>. However, the documents were set to expire on XX/XX/year>, giving me only 2 days to complete signing instead of the 7 days I was told I would have. When I raised this issue with the servicer in writing, they responded that no error occurred but did not address the discrepancy between the 7-day timeframe communicated to me and the 2-day expiration actually imposed. Instead, I was directed to call their Loss Mitigation Department, and the issue remains unresolved. I have records showing when the documents were first made available to me and copies of my written communications with the servicer. I am requesting prompt intervention and written resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Visited branch of Bank of America to withdraw cash. Less than XXXX % of the account. ( {$7000.00}. ) They refused to give me the cash. XXXX different representatives in person, XXXX over the phone. Insisted I tell them why I wanted the cash. Which is none of the business. Same day I moved XXXX % of account to another bank. They have subsequently reported me to a senior services investigation.

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 2026-05-06 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: FL

Complaint narrative:
In XXXX of 2025 I disputed multiple fraudulent charges on my Citi Mastercard. After several hours attempting to reach someone that could help me, I thought we had the situation resolved. The representative assured me that all of the charges would be reviewed and that card had been canceled, but for some reason they couldnt block charges from the same fraudster. I discovered a couple of weeks afterwards that only some of the fraudulent charges were disputed. I went through the same gauntlet to dispute the remaining charges and cancel the account. That agent assured me that the remaining charges would be dealt with and cancelled the account. The next statement showed more charges on the new card that I had not even received yet and the other charges that were supposed to be in dispute were still pending. I have tried multiple times to correct this situation with Citi, but it seems there level of incompetence in this area is astounding. Now they have added late fees and foreign transaction fees to this account. I have paid them what I am liable for. I need help repairing my credit from their reporting and somehow getting this situation resolved.

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 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MdlandCredit has my account from XXXX XXXX XXXX XXXX I fell into hard times and I called Midland and we looked into my account. My limit with XXXX XXXX XXXX was XXXX and they added on XXXX in finance charges. I agree to pay the XXXX due to stop this harassment. account # with Midland XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I am filing this complaint against my mortgage servicer regarding their failure to process a valid property tax exemption in a timely manner, resulting in continued incorrect escrow charges. I am a XXXX XXXX and was awarded a personal property tax exemption by XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. On XX/XX/year>, I submitted the official exemption letter issued by XXXX XXXX directly to my mortgage servicer through their messaging portal. At the time of submission, I was told the document would be reviewed within 5 business days. That deadline was not met. Over the following weeks, I followed up multiple times and received only repetitive, copy-pasted responses stating the matter was " under review '' with no substantive updates or resolution. On XX/XX/XXXX, I was told to expect an update by the first week of May. No update was provided. As of my most recent follow-up on XX/XX/year> 15 business days after I submitted my paperwork the exemption has still not been applied, and I was billed for escrow that should not have been collected. I am requesting that the CFPB investigate this matter and require my mortgage servicer to : XXXX. Immediately apply the tax exemption to my account retroactive to the date of submission ( XX/XX/year> ) XXXX. Recalculate and correct my escrow balance accordingly XXXX. Refund or credit any escrow amounts collected in error XXXX. Provide a written explanation for the delay I have documentation of the original exemption letter issued by XXXX XXXX, as well as the full message history with my servicer showing the submission date and all follow-up communications. I appreciate the Bureau 's assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
After I requested verification of the alleged debt, I was provided only limited documentation that does not constitute proper validation. On XX/XX/XXXX, Caine & Weiner sent me a collection letter stating that the account was placed with them for collection on behalf of Progressive XXXX XXXX XXXX. The letter listed an amount due of {$790.00}, referenced a policy related to a XXXX XXXX XXXX, and included general account details such as a policy start date of XX/XX/XXXX, a cancellation date of XX/XX/XXXX, and a last payment date of XX/XX/XXXX. In addition, I was provided a XXXX XXXX from Progressive dated XX/XX/XXXX, which showed a total balance of {$1300.00}, payments of {$590.00}, and a remaining balance due of {$790.00}. However, these documents are insufficient to verify the debt. They do not include a signed contract, proof of authorization, or any documentation demonstrating that I entered into or am legally responsible for this account. Despite my dispute stating that the account does not belong to me, XXXX completed its investigation on XX/XX/XXXX and concluded that the collection account belongs to me and is reporting as accurate. The account is listed as a collection from Caine & Weiner Company Inc. with a balance of {$790.00}, originally reported on XX/XX/XXXX, with a date of first delinquency of XX/XX/XXXX, and status listed as unpaid. XXXX stated that they contacted the reporting company to verify the information, but no actual documentation supporting verification was provided to me. The results simply reflect that the furnisher confirmed the account without demonstrating that a reasonable investigation was conducted. In summary, I requested verification of this debt, but only received a collection letter and a billing statement. No signed agreement or competent evidence linking me to this account has been produced. Despite this, the account continues to be reported as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: TX

Complaint narrative:
Here is the updated description for your complaint form. It incorporates the specific legal violations and directly addresses their false claim about " registered owner liability, '' while continuing to strictly omit your personal identifying information : Incident Description : The Collection Notice : On XX/XX/XXXX, I received a collection letter from a third-party debt collection agency attempting to collect a debt on behalf of an original creditor ( a private parking management company ). The Alleged Debt : The agency claims that I owe a total of {$97.00} stemming from an alleged incident that occurred on XX/XX/XXXX. The Dispute & Evidence : I firmly dispute this debt because I was not in possession of the vehicle on the date in question. On XX/XX/XXXX, the vehicle was actively rented out to a third party through the car-sharing platform XXXX. I have valid, time-stamped official documentation from XXXX proving the vehicle was in someone else 's care, custody, and control. Company 's False Claims & Legal Violations : The collection agency explicitly stated in their communication that this charge is the " registered owner 's liability. '' This is legally false and constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) in the following ways : Violation of 15 U.S.C. 1692e ( False or Misleading Representations ) : The original creditor issues private civil invoices, not municipal police or city traffic tickets. Private parking charges rely entirely on contract law ( the assumption that the driver agreed to posted terms by entering the lot ). As the registered owner, I was not present and did not enter into any contract. Falsely stating that a registered owner is strictly liable for a private contract entered into by a third-party driver is a direct misrepresentation of the legal character and status of the debt. Violation of 15 U.S.C. 1692f ( Unfair Practices ) : Attempting to collect a debt from a party who did not enter into the alleged agreement, especially after being informed that the vehicle was legally rented to another individual, is an unfair and unconscionable means to collect a debt. Actions Taken : I am formally disputing the validity of this charge and demanding validation of the debt. Resolution Requested : I expect the companies involved to acknowledge that I can not be held liable for a private contract I did not agree to. I request that upon review, the account be permanently closed, all collection efforts cease immediately, and no negative marks be reported to any credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
CFPB Complaint Unauthorized Affirm Loan, Unauthorized Bank Drafts, and Harassment I am filing this complaint regarding Affirm and an unauthorized loan that was opened in my name for XXXX XXXX XXXX in the amount of {$920.00}, with scheduled payments of {$150.00}. I did not authorize this loan, did not apply for financing with Affirm, and did not make any purchase from XXXX XXXX XXXX This account was opened fraudulently without my knowledge or consent. Affirm then automatically drafted XXXX payments of {$150.00} each from my bank account. I was not enrolled in autodraft, did not authorize recurring withdrawals, and did not give Affirm permission to access my bank account for this loan. In addition to the unauthorized loan and withdrawals, Affirm and/or the collectors acting on their behalf have engaged in harassing and abusive behavior, including : Calling me multiple times a day, every day Calling from numerous different phone numbers Calling as early as XXXX XXXX which is outside legal calling hours Flooding my inbox with repeated messages Threatening me by saying they are selling my debt Continuing to contact me even after I disputed the loan as unauthorized This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and raises serious concerns under the Fair Credit Reporting Act ( FCRA ). I have requested documentation from Affirm proving that I opened this loan, including the application, identity verification, device/IP information, and any signed agreement. They have not provided any proof. I am requesting the CFPBs assistance to : XXXX. Require Affirm to provide proof that I authorized this loan or close it as fraudulent. XXXX. Refund all unauthorized withdrawals taken from my bank account. XXXX. Stop all further calls, texts, emails, and collection attempts. XXXX. Prevent any negative credit reporting related to this fraudulent account. XXXX. Investigate Affirms failure to verify identity before issuing financing. XXXX. Investigate the harassing and threatening conduct by Affirm and/or its collectors. I am willing to provide any additional information needed to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Davis & Jones, LLC
State: TX

Complaint narrative:
On XX/XX/2026, a debt collector associated with a collection company made multiple phone calls using misleading and false caller ID information. Calls made to my phone displayed my spouses name on caller ID at approximately XXXX, XXXX, XXXX, and XXXX. Later that same day, a call made to my spouse displayed my name on her caller ID at approximately XXXX. These calls were made in connection with an alleged debt collection matter. Neither of us authorized the use of our names for caller identification purposes. The use of each others names was deceptive and intimidating and appeared intended to pressure us into answering the calls. As a result, we no longer feel safe answering incoming calls because we can not trust the caller identification. This creates a serious concern that we could miss legitimate emergency calls by assuming they are deceptive collection calls. I informed the caller that I wanted all communication to be conducted in writing and requested that phone calls stop. Despite this request, the calls continued using misleading caller ID information. I have retained call logs and screenshots documenting the dates, times, and caller ID information.

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 2026-05-06 00:00:00
Product: Checking or savings account — Other banking product or service
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: Activehours
State: NC

Complaint narrative:
I opened an account with Earnin and decided it wasnt for me. So I closed the account the next account pretty soon after. After I realized two of my paychecks had been deposited into their leads bank account I reached out for a reversal and they had notified me they had begun to work on it. So I trusted they would go back to my employer and that my employer would eventually deposit them into my corresponding bank account. Well about two weeks passed by and lead bank nor Earnin have visibility of my paychecks no trail no nothing. Two paychecks just disappeared into thin air is what it seems like.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Affirm Holdings, Inc
State: AZ

Complaint narrative:
I am writing regarding the wrongful restriction placed on my account. Affirm has frozen my account and is currently withholding access to my funds without providing a reasonable resolution timeframe or meaningful explanation. This has caused immediate financial hardship because all of my available money is being held, preventing me from paying essential bills and maintaining access to my phone services and daily necessities. I understand financial institutions may review accounts for security purposes ; however, withholding a consumers funds indefinitely without proper communication or timely resolution may constitute unfair and deceptive practices. I have cooperated with any verification requests and expect this matter to be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I am filing a complaint regarding improper finance charges and inaccurate payoff information associated with my Home Depot consumer credit account. The account included several deferred-interest promotional balances with expiration dates extending into XXXX. My understanding and payment history indicate that smaller revolving/non-promotional charges were consistently paid off through regular monthly payments, leaving only the deferred promotional balances remaining on the account. On or about XX/XX/XXXX, I contacted customer service specifically to request the amount necessary to pay off any remaining revolving/non-promotional balance in order to avoid further finance charges. I was advised that the amount due was {$8.00}, which is reflected in part on my most recent statement. I relied on the information provided by the representative and made the payment accordingly. After making that payment, I later received another statement showing an additional finance charge of approximately {$2.00}. When I contacted customer service again, I was told the charge allegedly accrued from revolving balances originating in XXXX. However, based on the account history, payment amounts, and the relatively small non-promotional purchases involved, those revolving charges should have already been satisfied through prior monthly payments. The remaining balances appearing on the account were deferred-interest promotional balances that had not yet reached their promotional expiration dates. Additionally, the company previously reversed XXXX finance charge as a courtesy adjustment, which further raises concerns regarding the accuracy and consistency of the finance charge calculations being applied to this account. I am requesting that the company : 1. Conduct a full audit and review of the account ; 2. Provide a detailed breakdown showing exactly how each payment was allocated between promotional and non-promotional balances ; 3. Explain why additional finance charges accrued after I paid the payoff amount specifically quoted by customer service ; 4. Remove any remaining improperly assessed finance charges or trailing interest ; 5. Correct any inaccurate account reporting associated with these disputed charges ; and 6. Ensure no further interest accrues on balances that are still within valid promotional financing periods. I believe I acted in good faith by proactively contacting customer service for payoff instructions and paying the exact amount quoted to me. I am requesting a fair resolution and correction of these charges.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
SUNRISECRED is falsely reporting on my credit. I have never had any accounts with them. Per my research SUNRISECRED 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 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 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My mortgage moved to Rocket, following the XXXX XXXX acquisition. This is now my THIRD mortgage company in two years. This should be illegal. Consumers need a choice over with whom they choose to do business. With Rocket -- as I have since since when I first took out a mortgage -- I attempted to apply an additional Principal payment to process on the same day as my monthly mortgage payment : XX/XX/year>. This has always possible -- and IS LEGALLY ALLOWED. What did Rocket do? They decided this is not permitted ( in violation of the terms of my mortgage ). Instead -- WITHOUT TELLING ME IN ANY WAY -- they processed : ( 1 ) The full XXXX payment ( XXXX ) A full XXXX payment -- since this is the ONLY way they permit principal to paid in advance ( XXXX ) The Principal-only amount I set to apply on XX/XX/XXXX. The result? Double payment, with an overdraft. First, the Terms of my mortgage are that I'm allowed to pre-pay without penalty. Second, AT NO TIME did they disclose this WILDLY DECEPTIVE business practice to take these extra thousands of dollars. This must be stopped. First, as per the terms of our mortgages, we MUST be able to pre-payment principal without penalty or restriction. Second, our laws must evolve. It's not acceptable that consumers are stuck with deceptive, unethical mortgage companies and have no ability to leave. Opening a new mortgage somewhere else could immediately end you back with the original, fraudulent company that you tried to escape. Rocket MUST allow Principal pre-payments when Consumers set them. They must NOT actively prevent this.

Company response to consumer: Closed with explanation