vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
b'I am filing this follow-up complaint because Qualia Collection Services provided false and misleading information in their previous response to the CFPB, therefore misrepresenting its compliance with the FDCPA and FCRA in previous communications. The company claimed they provided me with a written validation notice; however, I have never received such a notice. In the previous claim, Qualia agreed to send information without addressing the original violations.\n\nIn XXXX XXXX, Qualia initiated contact via a threatening phone call and contacted my family members without my permission. Under 15 U.S.C. 1692g, they were required to send a written notice within five days of that contact. They failed to do so.\n\nI have sent a formal dispute via Certified Mail (Tracking #: XXXX XXXX XXXX XXXX XXXX XXXX as of XXXX demanding proof of the date and address where they claim to have sent this "initial notice." Their failure to provide this notice denied me my 30-day legal right to dispute the debt before it was reported.\n\nFurthermore, the internal ledger they provided is inaccurate and unverified. I am a Texas resident, and under the Texas Debt Collection Act, I have a right to an investigation into the accuracy of these charges. Qualia has failed to provide actual third-party invoices for the alleged "damages."'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — VA 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: Ocwen Financial Corporation
State: VA

Complaint narrative:
COMPLAINT NARRATIVE MORTGAGE SERVICING ERROR & TRANSFER VIOLATION I am a XXXX XXXX with a XXXX loan currently at a 2.5 % fixed interest rate. This account is 101 days delinquent ( {$10000.00} ) due to a material failure of communication during a servicing transfer on XX/XX/XXXX. 1. RESPA Safe Harbor Violation : Following the transfer, I experienced a total communication blackout from the new servicer. Under RESPA 12 CFR 1024.33 ( c ), the servicer was prohibited from treating payments as late for 60 days. Despite my proactive outreach on XX/XX/XXXX, to resolve the status, the servicer initiated adverse credit reporting for the transfer window. 2. Procedural Errors in Loss Mitigation : On XX/XX/XXXX, I submitted a complete Loss Mitigation packet for a Modification with Assumption. On XX/XX/XXXX, the servicer confirmed via their secure portal that all documents were received. However, on XX/XX/XXXX, the servicer closed my file, claiming " missing documentation. '' This is a documented factual error by the servicer. Furthermore, the servicer has missed two scheduled telephonic appointments on XX/XX/XXXX and XX/XX/XXXX. 3. Material Professional Harm : As a XXXX XXXX XXXX ( XXXX ) XXXX, I am required to maintain financial suitability for my security clearance. The servicers administrative delays and refusal to apply federal transfer protections are causing adverse credit reporting that constitutes a material threat to my federal employment. 4. Requested Resolution : I am a Successor in Interest with a legal mandate to assume this debt. I have the funds secured to begin a Trial Payment Plan ( TPP ) of {$1100.00} immediately. I require the servicer to : Reopen the file retroactively to the XXXX submission date. Issue the TPP agreement capitalizing the arrears. Perform a full credit re-aging back to the XX/XX/XXXX, transfer date to reflect the account as current during the servicing blackout. I am acting in good faith to preserve my 2.5 % rate and provide stability for my XXXX children. I require immediate federal intervention to stop the 120-day foreclosure referral window.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
Four Leaf XXXX HELOC LOAN RE : Trying to apply additional PRINCIPAL PAYMENT Drop down option is hardly available on website Attempted to make additional Principal Payment site not available x 3 days XX/XX/year> Call placed to bank, took information, offered to assist with applying payment. When I checked thereafter payment sitting in AN " UNAPPLIED FUND ''. XX/XX/year> RECALLED BANK. Stated they need to SUBMIT A " WORK ORDER " TO TRANSFER FUND OUT OF UNAPPLIED ACCOUNT TO PRINCIPAL. XX/XX/year> Principal payment applied on XXXX, without adjusted Accumulated Interest. XX/XX/year> Call to Four Leaf to discuss above with inquiry, ALSO TO NOTE THE PRINCIPAL DROP DOWN ON WEBSITE WAS AGAIN NOT AVAILABLE.THEY OFFERED THEY DON'T KNOW WHEN IT WILL BE AVAIL, ONCE AGAIN OFFERED TO TAKE MY PAYMENT. I, reiterated It would have to follow a " work order '' once again to be applied. I also offered their process is illegal as person informed me it's not because they offered to take my payment over the phone.

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 2026-03-12 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In XXXX of XXXX I called regarding a charge on my card for {$250.00}, that was not made by me. I spoke to a lady who said she would have someone investigate and that it would take 4 billing cycles. After time passed I called to follow up on the investigation to where I was informed that there was no investigation and that it was not filed. I then opened one in XXXX of XXXX where I had signed a form and returned it to XXXX and had them launch the investigation. I have been calling consistently. At this point it is XX/XX/XXXX and every time I call to resolve the dispute they tell me that it will be escalated but nothing ever follows this. I was informed that they do not hold contact with the third party that investigates these claims. They are unwilling to do anything to resolve this amount and are simply waiting until the merchant decides.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding a financial account that I believe is being reported inaccurately and unfairly affecting my credit. I discovered that this account is negatively impacting my credit report and lowering my credit score. I have attempted to resolve this issue by contacting the company directly, but the matter has not been properly resolved. The information being reported appears to be inaccurate, incomplete, or not properly verified. Because of this, it is causing financial harm and affecting my ability to obtain credit. I am requesting that the company investigate this matter thoroughly and provide documentation verifying the validity of the account and the information being reported. If the company can not properly verify the account or the reported information, I request that the negative information be removed from my credit report immediately. I am seeking a fair resolution and correction of my credit file to ensure that only accurate and verified information is reported. Everyday since XXXX I have been receiving calls threatening me about a debate no idea about. They contact me at my job even though I asked them to stop and now this has been on my credit report unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - CBE GROUP-CHARTER COMMUNICATIONS - XXXX 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 ) 1006.34, 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 : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
The bank name is XXXX XXXX XXXX. It is in XXXX, Utah, and the company name was xact loan They charge me 219 %. I got {$1500.00} from them and I had to pay. {$5400.00}. Installment for 18 months. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: KY

Complaint narrative:
I've been sitting at XXXX of XXXX payments for my XXXX XXXX XXXX XXXX since XXXX of XXXX. The loans should be discharged but no matter how many times I submit my eligibility letter from my employer, I've been a XXXX since XXXX at the same XXXX, they keep requesting that I submit an eligibility letter. I've done it XXXX times and they respond with, it's under review, we'll get back in 3-5 weeks and not 5 months later, nothing has changed.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Back in XXXX, my account was negative due to XXXX transactions. However, those transactions were never reported to XXXX and so I still owe those XXXX payments of XXXX $ to XXXX. However, the bank still took those funds and added overdraft fees. The bank then proceeded to take money from my moms account to cover those fees. My mom called in XXXX to let them know of this and they returned her the funds right away but they never resolved my account. Now today, XXXX XXXX they took XXXX $ from my moms account to pay the negative charges again. I called to let them know that those funds should not have been taken from my moms account since that money isnt even supposed to be negative. I explained to the supervisor that although I was charged form my bank 3 times for XXXX payments, XXXX was never paid/they never received those funds. My card had declined on their end. Which it should have because I had XXXX XXXX The supervisor said he has no way of checking this or even returning the funds to my mom since I owed that balance, but me and my mom told him that this has been an issue. I have now filed a dispute with them. But. I do not agree with how this is being handled. This has been an ongoing problem since XX/XX/year>. And the bank still does not resolve this issue.

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 2026-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a bank account at BMO Bank in XXXX California and I've been working with the branch on XXXX XXXX XXXX XXXX California XXXX and they are refusing to identify my identity I go in to the branch with my California ID and other forms of identification and they are refusing to identify me still they refer me to customer service I call customer service customer service says they can't help me over the phone because they can't identify me and they're referring me back to the branch so I'm going back and forth and not getting any answers or resolving anything with this matter so I'm having a problem trying to identify myself I'm being denied from the bank my identification

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 2026-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/year>, I filed a dispute with Experian under the Fair Credit Reporting Act ( FCRA ) Section 611 for several accounts, as I believe these items were reported without my authorization. The disputed accounts include XXXX ( beginning with XXXX XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX, XXXX ( XXXX ). In my dispute, I stated that it is unlawful under Section 611 of the FCRA for a credit reporting agency to continue reporting information that is inaccurate, unverifiable, or reported without my permission. Experian responded that the accounts have not been changed and will remain on my report, but did not provide documentation showing my consent or verification from the creditor. Since I did not authorize these accounts to appear on my credit file and the verification process appears incomplete, Im requesting Consumer Financial Protection Bureau ( CFPB ) assistance to have Experian remove these inaccurate or unauthorized entries from my credit report.

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 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I tried to transfer money on XX/XX/year> from my American Express Personal Savings to a different personal account at another bank. The transfer was rejected, and when i contacted American Express, they told me that all transfers on my account had been restricted. They refused to provide me with any sort of explanation why. They demaded to verify my identification, and connected me to their notary XXXX, to do so. I verified my identity to the notary using my passport, and then recieved an email from the notary that they had verified my id. When i then contacted American Express again, they lied and said the notary hadnt verified my id, dont want to unfreeze my account, and continue to abuse me. I am a retired woman and need access to my savings to live. Please help me with this bureacratic abuse of power by American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I cant send you the copy of documents since Amex will not let me include XXXX pages on which page XXXX shows charge for XXXX concert tickets was {$390.00}. XXXX charged me {$1800.00} instead of {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2025, an unknown fraudulent individual illegally accessed and closed my Citibank individual Certificate of Deposit ( CD ) without my knowledge or authorization. The CD had a balance of {$15000.00} at the time of the fraudulent closure. The fraudster completed the following unauthorized transactions : Early-closed my CD, which resulted in an early withdrawal penalty of {$150.00} Transferred {$2600.00} of the CD proceeds into my Citibank checking account Withdrew {$2000.00} from my checking account My total financial loss is {$15000.00}. I did not authorize : the CD closure, any transfer, or any withdrawal. This is a clear case of fraud and unauthorized access to my account. I filed a fraud claim with Citibank, but they declined my claim in full. Citibank did not reimburse any portion of my loss. Because the CD was closed due to fraud, the {$150.00} early withdrawal penalty should not apply, and I am requesting that it be refunded in addition to the return of the lost principal funds. I am requesting that Citibank : Reimburse the full fraud loss of {$15000.00} Refund the {$150.00} early withdrawal penalty, which was the result of unauthorized activity Provide documentation explaining how this CD was closed without my authorization and what identification or verification was relied upon I am requesting CFPBs assistance in resolving this matter.

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 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: ID

Complaint narrative:
I received a XXXX credit card that I did not apply for. I noticed in my email this morning an email showing that I had a payment due XX/XX/year>, with a balance of {$860.00} and the new balance is {$880.00}. Which I have not received any goods or services for. I have called XXXX and reported the fraud and an investigation has been started. This was in addition to XXXX separate letters that I received in regards to XXXX different credit card applications which I have not applied for.

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Solar Mosaic LLC
State: NY

Complaint narrative:
On XXXX XXXX XXXX, my wife and I signed an agreement to sell our house to XXXXXXXX XXXX XXXXXXXX XXXX. Included in this sale were the solar panels attached to the roof which were still under an active loan with Solar Mosaic. In order to complete the sale of the house, the loan for the solar panels had to either be paid off or assumed by the buyer. All parties requested to have the loan assumed by the buyers, which Mosaic agreed to around the end of XX/XX/year>. Solar Mosaic then completed the UCC-1 filing to temporarily lift the lien in order for the sale of the house and solar panels to move to closing. Solar Mosaic later filed for bankruptcy a week or XXXX later. The closing for the house didn't occur until XXXX XX/XX/XXXX at which time the solar panels were also transferred into the buyers names, including possession, solar generation and solar credits. After closing, the loan couldn't be transferred to the buyers because Solar Mosaic was in bankruptcy and all of their accounts were frozen by the courts while the process was ongoing. On XXXX XX/XX/XXXX, Solar Servicing acquired Solar Mosaic out of bankruptcy and assumed all of their loans. We approached Solar Servicing almost immediately with the request to complete the assumption and were informed they were unable to process the request at the time, but would offer the service once the dust settled from the bankruptcy transfer. It is now XXXX XX/XX/XXXX and the loan still remains in mine and my wife 's names while the buyer of our previous house actually owns the panels. We've had regular contact with Solar Servicing at XXXX phone calls per month, constantly requesting a status update and to conclude the transfer of the loan. We've repeatedly been denied stating the company doesn't offer that service and " hopes '' to sometime in the future. We've also engaged the attorneys at the settlement company, who have received the same stonewall response from Solar Servicing. It should be such an easy process to transfer the loan to a new individual. It doesn't require a new loan to be generated because it's an assumption which was agreed to by the company Solar Servicing acquired, yet they continually refuse to complete the assumption. I'm starting to think my only recourse will be to file a lawsuit against Solar Servicing and was advised by the attorneys to attempt this channel prior to engaging in that process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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