vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — FHA 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: Freedom Mortgage Company
State: MN

Complaint narrative:
We have been making a good faith effort to bring our mortgage with Freedom Mortgage company account # XXXX back into good standing and to avoid foreclosure. We entered into an agreed payment plan with our loan servicer and made XXXX of the XXXX required payments under that plan in good faith. The missing affidavit that led to the cancellation of the agreement was an oversight on our part, and we were willing and able to correct it immediately had we been properly informed. The agreement was rescinded on XX/XX/XXXX ; however, we were not notified of this cancellation until XX/XX/XXXX. During that time, we received no phone calls, messages, or communication explaining that the document was missing or that our agreement was at risk of being canceled. This delay significantly impacted our ability to respond and correct the issue in a timely manner. In fact, we received text message communication from a phone number associated with the servicer congratulating us on our permanent home retention program and trial payment plan as late as XX/XX/XXXX. Based on this communication, we had no reason to believe there was any issue with our agreement. When we were finally contacted on XX/XX/XXXX, we were told that submitting the missing document as soon as possible could potentially resolve the issue, but that it might not be accepted and that we may need to submit a new loss mitigation application. We immediately acted and submitted a new loss mitigation hardship request on XX/XX/XXXX. We have since requested that the foreclosure sale scheduled for XX/XX/XXXX be postponed while our new application is under review. We were informed that postponement may not be possible due to how close the request is to the sale date. However, this timing is directly related to the delayed notification we received. Had we been informed in a timely manner on or shortly after XX/XX/XXXX, we would have addressed the issue immediately and avoided this situation. We believe the communication we received was confusing, inconsistent, and delayed, and it directly affected our ability to comply with the requirements of the payment plan and to seek timely resolution. We are requesting : A postponement of the foreclosure sale while our loss mitigation application is under review Consideration of our good faith efforts to comply with the original payment plan Clear and consistent communication moving forward regarding any required documentation We are committed to resolving this matter and keeping our home, and we respectfully request urgent review due to the upcoming sale date. Thank you for your consideration XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On Tuesday, XX/XX/year>, our California XXXX XXXX XXXX refund arrived via check. I had filed our taxes through XXXX and had been expecting the refund through XXXX XXXX. We owed XXXX for the filing and further requested that the filing cost be deducted from the refund. Since this is California, of course, there's a workaround. Had the direct deposit worked out, we wouldn't have this problem. But either way, I could not deposit the check into my bank account because it was made payable to both my husband ( XXXX XXXX and me. My bank, XXXX, won't accept this type of deposit on a single-person account. On Thursday, XX/XX/year>, XXXX and I decided to go to the Bank of America to cash the check. He is an account holder there ; I am not. The teller checked both of our ID 's but would not cash the check since I'm not an account holder. He further stated that the check should post overnight since it's a California state check. The next morning, no money. The check showed as " cleared, '' but then separately showed a " temporary hold '' through XX/XX/XXXX. This became problematic for XXXX reasons. First, our XXXX bill is past due, and we have received a disconnect notice. I had been counting on that refund to get current. Second, my husband is trying to close out a probate case from his mother-in-law, and he was counting on funding to help finish cleaning a condominium to put on the market. The next probate hearing just happens to be on XX/XX/XXXX. XXXX went into XXXX different banking locations AND called the bank every day in the hopes of escalating the removal of the hold. No one was willing to help us. Even though we shared that the availability of the funding was crucial to these XXXX emergent financial issues, we were basically told that this is the policy of Bank of America, and they could not help whatsoever. Even though today is XX/XX/XXXX and the funds should be available in XXXX more days, I fear that our power WILL get shut off and there will be a negative result at that hearing. We have been Bank of America customers for more than XXXX years but we continue to find that they are impossible to work with and very unfair to their customers. I should have filed XXXX of these complaints during the COVID shutdown and XXXX loans, because they screwed us over then as well. So this particular incident was the very last straw. I only hope that we get some grace from either the probate court or LADWP, or it's going to be a very long month.

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 2026-03-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IN

Complaint narrative:
I am filing a complaint against the credit reporting agencies for failure to comply with the Fair Credit Reporting Act. I have disputed inaccurate accounts multiple times. The accounts remain on my report without proper verification. These actions violate : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i ( a ) The following accounts must be deleted : Credence Resource Management XXXX XXXX XXXX XXXX XXXX XXXX Additionally, there are unauthorized inquiries on my report that violate 15 U.S.C. 1681b. I am requesting : Immediate deletion of all unverifiable accounts Removal of unauthorized inquiries Failure to resolve this matter will result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/2026 - Prior to this date I received a notice that my escrow account was analyzed and I had two option, pay up front or allow the shortage to be spread out through 12 months of payment. I chose to spread out over 12 months. My mortgage payment was {$1300.00}, and the shortage equated to roughly {$10.00} per month. Today I paid my mortgage and the payment was {$1200.00}. My question to the agent was how does my escrow have a shortage, and my payment per month goes down. We finally came to understanding that 5th 3rd analyzed my account and the items making up the escrow ( insurance, taxes ) went down. I didn't, and still don't, understand how an analysis was down where a shortage was created and all the rep kept asking was if I didn't want my mortgage to go down. In a year I don't want to get a bill for {$500.00} shortage because of this. He provided nothing to resolve this. I paid my mortgage ( plus extra ) every month when it was {$1300.00}. I have a plan to have my mortgage paid off by a certain time, and now I question the analysis that was done and nobody can give me an explanation. I want to know how a bank does an account analysis which drops your monthly payment {$37.00}, but in doing so creates an escrow shortfall.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am not linked in any manner to these accounts ; remove them within 15 days per USC 1681g.

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 2026-03-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
I am submitting this complaint as a victim of identity theft, financial fraud, and a coordinated scam that resulted in a personal loan being opened in my name without my authorization. In XX/XX/year>, I was contacted by individuals representing what they described as a legitimate government-backed debt forgiveness program. Based on these representations, I believed the process was lawful. Without my knowledge or authorization, a personal installment loan in the amount of {$50000.00} was opened in my name on or about XX/XX/year>. I did not complete any loan application, did not sign any documents physically or electronically, and did not communicate directly with XXXX XXXX prior to loan approval. The loan records contain false information, including employment details that are not mine and were never verified with me. Approximately {$45000.00} was deposited into my account, and I was instructed under false pretenses to transfer funds. On or about XX/XX/year>, I wired approximately {$37000.00} to third parties as part of the supposed program requirements. After an initial payment was made in XX/XX/year>, the individuals became unreachable, and the XX/XX/year> payment was not made on my behalf. At that point, I realized I had been the victim of a scam. On XX/XX/year>, I reported the fraud to the lender. On XX/XX/year>, I filed an FTC Identity Theft Report ( Report # XXXX ). I also filed a police report and provided a notarized written statement documenting this crime. I submitted a formal Notice of Fraud and Demand for Rescission and requested that this loan be treated as fraudulent and that all collection activity be halted. Despite this, I continue to receive collection calls and text messages, and my credit report continues to be negatively impacted. I have not received written confirmation of the fraud investigation status. This is not a case of inability to pay. This is a documented case of identity theft involving false information, lack of authorization, and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
To : TrueAccord Subject : Formal Dispute & Demand for Validation of Alleged Debt Account Reference : Amount : {$33.00} Dear Sir or Madam, I am writing to formally dispute the validity of the above-referenced alleged debt. I do not acknowledge this debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This alleged balance is associated with an account from XXXX that I requested to be closed on multiple occasions in XXXX. Despite my repeated requests, the account was not properly closed. I ceased use of the account and do not believe I owe the amount being claimed. Additionally, this account was a business account, and I did not authorize the use of my personal credit or personal identifying information in a manner that would make me personally liable for this alleged debt. Accordingly, I request that you provide the following : Documentation demonstrating I have a legal obligation to pay this alleged debt Any instrument bearing my signature evidencing personal liability Complete chain of assignment/title transfer from XXXX to your company Documentation proving your legal authority to collect this debt Proof that this alleged debt was accurately calculated and not the result of billing after closure requests If you are unable to provide the requested validation, you must cease all collection activity and confirm that this matter is closed. Be advised that any attempt to report or continue collection of an unverified or disputed debt may constitute a violation of the FDCPA and other applicable laws. All communication regarding this matter must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Exeter Finance, LLC.
State: VA

Complaint narrative:
Exeter finance in previous responses said they dont have to honor any settlement yet in contract my wife said that it says that there may be a dispute between me and the finance company and any further action of any kind outside of a dispute with Exeter waives all rights, now it is on file that Exeter said they dont have to honor any settlement and before that they said that the problems were not their problems that me the customer brought to them over the phone which is part of the legal binding contract which they waived by telling me that the issues were not there problem and to go back to the dealership before I even filed a complaint, which they have to honor a settlement because they forfeited the contract making the contract void which is waiving their rights in a breach of contract. Having in contract to have a dispute between customer and consumer and waive your right to that dispute in contract between customer and consumer waives rights now I can seek legal action against Exeter or they have to accept a settlement what I think is fair. They said they dont have to honor any settlement yet basically told me to take my dispute somewhere else which is illegally telling me to break contract illegally legally breaching contract. They waived rights to contract which means they waived rights to any future payments in contract and should waive any remaining balance financed They breached contract and expect me to keep making payments? Because now i have a right to seek further action if Exeter is not willing to corporate. If I bring a dispute to them they are legally binding in contract to bring the dispute to the problems to the dealership which they did not and waived their right breaching contract. Page XXXX of XXXX in XXXX in the contract part of the sales portion I can hold against the seller. Page XXXX of XXXX under the contract says I may have have a dispute with the seller which is the financing company and dealer sold car under contract between me and Exeter, ( my complaint i just sent to XXXX portion did not type out all the way and just said and dealer ) and in the assignment page it states that the contract was given to Exeter in the sale and the breach contract. Now please I ask Exeter to honor what they broke and waive any remaining balance and take the car off my credit report and send me title. Another thing is when a dealership sells the car they are no longer responsible for dispute on contract between finance company and customer they are responsible for other things outside of that like missing mileage but then again Exeter is under a contract they breached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: SANTANDER HOLDINGS USA, INC.
State: KS

Complaint narrative:
I am contacting the CFPB regarding my auto loan with Santander XXXX XXXX for a XXXX XXXX XXXX ( XXXX miles, severely damaged by hail ). The vehicle was totaled, and I retained it, but the banks remaining loan balance is {$11000.00}, while the vehicles current market value is approximately {$3000.00}. I have been trying to negotiate a settlement to resolve this debt for a realistic amount ( {$2500.00} {$3000.00} ) including a lien release so I can sell the vehicle. Despite my repeated attempts : 1.The bank refused to provide a valid mailing address for submitting a formal settlement request. 2.The bank refused to connect me with the settlement department or a supervisor, which I am legally entitled to speak with regarding hardship/settlement. 3.They provided a fake or invalid email address when I requested a contact. 4.They hung up on me during multiple attempts to resolve the account. My account is currently over 150 days delinquent, and I am planning to file XXXX XXXX bankruptcy later this year. I am requesting the CFPB to assist in ensuring the bank responds to a formal settlement request and provides a lien release, as required for resolving the debt. I have attempted multiple phone calls on this matter since XX/XX/XXXX when a rep told me to wait until the insurance claim closed, now today I reach out twice the first time I was on the phone for XXXX before they disconnected the call and then again for XXXX XXXX when the rep once again asked to place me on hold before hanging up the call, all documented ( the last call I recorded where the rep gave me a fake email and refused to give me a mailing address ), and have photographic evidence of the vehicles condition, as well as market value estimates. I am seeking a fair resolution to settle the account before bankruptcy, to allow sale of the vehicle and to avoid unnecessary legal complications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-31 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: Gurstel Law Firm, P.C.
State: CA

Complaint narrative:
GURSTEL LAW FIRM PC filed a lawsuit against me for {$9900.00}. And I do not recognize this account. Nor there are any original signature original purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
Subject : Mortgage Servicing Complaint Insurance Claim Funds Delayed / Restricted Escrow Hello, I am submitting a formal complaint regarding the handling of my homeowners insurance claim funds by Citizens Bank. I received an insurance claim check related to property damage, which is subject to a 180-day completion requirement in order to recover withheld depreciation. This creates a time-sensitive situation requiring timely access to funds to complete repairs. Initially, XX/XX/2026, I was advised that my check could potentially be processed through standard endorsement. However, after multiple follow-ups and exception review processes, the funds were instead placed into a restricted escrow account requiring a draw process and inspections. Since that time : I have received inconsistent and changing information regarding the handling of my funds My request for exception handling remains unresolved with no clear timeline I am now subject to a multi-step draw and inspection process that was not clearly communicated upfront These delays are directly impacting my ability to complete repairs within the required insurance timeframe As of today, I have not received a meaningful update in over XXXX week, despite being told the request was under review. This situation is causing : Delays in critical home repairs Risk of financial loss if depreciation funds can not be recovered within 180 days Significant frustration due to lack of transparency and consistent communication I am requesting : 1. A clear explanation of why my funds were placed into restricted escrow 2. Immediate review for exception handling or expedited release of funds 3. A defined and expedited timeline for disbursement 4. Confirmation that delays caused by the bank will not result in financial harm to me I am not disputing the need for reasonable controls, but the current process, lack of clarity, and delays are creating undue hardship. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I XXXX XXXX filed a complaint with XXXX. On XX/XX/XXXX against SYNCHRONY BANK. SYNCHRONY Bank replied back thru XXXX XXXX XXXX that this account is to old to get information. And call XXXX XXXX and synchrony bank has nothing to do with it .pics attached SYNCHRONY BANK sent me a letter dated XX/XX/XXXX requesting additional information and to sign a investigation form. Pics attached Synchrony Bank said in there statement sent to me thru XXXX XXXX XXXX on or around XX/XX/XXXX saying that the forwarded all information to XXXX XXXX and to talk to them

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 2026-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint regarding three overdraft fees totaling XXXX dollars charged to my checking account ending in XXXX. On XX/XX/year> at approximately XXXX XXXX XXXX ET, I received an alert from Chase stating that my account was overdrawn with a negative balance of about XXXX dollars. Within hours of receiving that alert, I took immediate action and made a cash deposit at a Chase ATM in XXXX Florida at XXXX XXXX XXXX on XX/XX/year> in the amount of XXXX dollars. This deposit fully covered the negative balance and restored my account to a positive balance. Despite correcting the overdraft within hours, Chase assessed three separate overdraft fees of XXXX dollars each. These fees were tied to small transactions that occurred within the same short time period and during what appears to be a single continuous overdraft event. Chase has refused to refund these fees and has instead relied on an internal policy stating that I have reached a limit on overdraft fee refunds for the year. This internal policy is not a legal standard and is being used to deny a fair review of the specific circumstances of my account activity. Chase has also stated that the deposit was made after a cutoff time and therefore credited the next business day. However, I corrected the overdraft within hours of receiving notice and before any prolonged negative balance existed. I was not provided a reasonable opportunity to cure the overdraft before multiple fees were assessed. Charging multiple overdraft fees within a single short time window, especially after prompt repayment, appears excessive and raises concerns regarding unfair or abusive practices. The fees were applied in a manner that does not reflect separate risk events but rather a single temporary negative balance that was quickly resolved.

Company response to consumer: Closed with monetary relief