vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
Sent XX/XX/XXXX XXXXXXXX XXXX From Exeter Finance Subject Re : Need to lower my interest rate Lowering your interest rate is considered refinancing, and Exeter does not currently offer this option. Please contact the financial institution of your choice to determine refinancing options. Thank you. Sent XX/XX/XXXXXXXX XXXX XXXX From XXXX Subject Need to lower my interest rate The vehicle I am currently financing has an interest rate that I believe is too high. I have been making payments for over XXXX months at {$620.00}, and only {$5000.00} has been applied toward the principal balance. The interest alone take half the payment, with {$200.00} going to the principal. I would like to know what options are available to refinance at a lower interest rate. My account number is XXXX. You may contact me at XXXX or by email at [ XXXX ] ( mailto : XXXX ). Respectfully, XXXX XXXX XXXX XX/XX/XXXX After this communication, I asked other financial institution to finance the vehicle, of course it now has over XXXX miles and what is owed is way over what the vehicle is worth. Its " like I am trapped to pay double the true book value of the vehicle. The truck annual percentage rate is, 23.52 % with a finance charge of {$24000.00}, amount finance, {$24.00}, XXXX the amount paid after all XXXX payments of {$620.00} would come to {$480000.00}. which double the vehicle. I thought I could pay extra to pay it off sooner, but there is no way. Example of payment for XXXX month. Process Date XX/XX/XXXX Description pmt Total Amount Paid XXXX Interest Amount XXXX Principal Amount XXXX Late Fee Amount Other Fee Amount Over Payment Amount Principal Balance Amount XXXX. From previous XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
There are a couple of problems. XXXX is deceptive in my opinion. This may be something more for FTC. Let me explain. XXXX. After paying my monthly mortgage, mortgage servicer Rocket Mortgage blocks my ability to make principal only payments on the website. I used to be able to do this with XXXX far more easily than Rocket. Rocket acquired XXXX and this is a loss of functionality. XXXX. Unable to even connect with Rocket Mortgage. Only through chat. I'm on hold anytime I want to conenct with an agent. Unable to resolve issue above. XXXX. Deceptive practice -- XXXX Rocket Mortgage claims " instant download '' for payoff statement. They charge {$10.00} for this service. Yet, when I initiated this via the website, I did not receive my payoff. It's been about XXXX already and have not received my payoff statement. This seems disingenuous at best, but seems quite deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
I bank with XXXX and thats where I get my paycheck every week. In order to process bills that take a few days to process and have control over my Venmo- I transferred money into my chime account to use it to pay those bills. Chime absorbed half the deposit and said that three years ago- I borrowed money from a product they have called XXXX. Stating in XXXX of XXXX I borrowed against my direct deposit I had from XXXX XXXX and they decided to process that allegedly borrowed XXXX from XX/XX/XXXX yesterday- XX/XX/XXXX. In my statements on the app- I never received any notification showing a balance owed and have transferred money into and out of that account for three years and never was there any balance showing owed- nor did they decide to notify me of the payment being removed off my account- they just took it from my money deposit from a XXXX transfer. When I contacted customer service- I was hung up on and not allowed to talk as the supervisor spoke over me loudly and would not let me talk.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I am disputing a late mortgage payment reported by Rocket Mortgage that resulted from XXXX compounding errors neither of which was my fault. When my loan was transferred to Rocket Mortgage from my prior servicer, incorrect contact information ( wrong phone number and email address ) was passed along. As a result, I received XXXX notifications that any payment issue had occurred. Around the same time, I had updated my autopay bank account and re-enrolled in automatic payments. I had sufficient funds available throughout this period and had every reason to believe payments were processing normally. When I contacted Rocket Mortgage to resolve this, their customer service was completely unhelpful. They refused to provide any information about a goodwill adjustment, refused to allow me to speak with a supervisor, and made no effort whatsoever to assist me in resolving what is clearly an error caused by their own servicing transfer failures. This is the first missed payment in nearly XXXX years of credit history the first of my entire life and they showed XXXX willingness to even discuss options. My credit score dropped XXXX points from XXXX to XXXX as a direct result. I have today filed disputes with all three credit bureaus ( XXXX XXXX XXXX XXXX ). Additionally, the outstanding payment is currently pending and is expected to clear by tomorrow. Lastly, please see the attachment for my XXXX XXXX account - I added my XXXX XXXX XXXX account as the new payment method and selected autopay in late XXXX XXXX. My last payment was processed from my XXXX account, and the next payment should have been processed in XXXX from my XXXX account, which clearly had enough funds to cover the payment if Rocket Mortgage had correctly processed the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I previously made payments on this account, but after reviewing my credit report I noticed that the information being reported appears inaccurate, such as the name of the creditor. XXXX XXXX XXXX is inaccurate and balance is inaccurate. Under the Fair Credit Reporting Act, l am requesting that the account be deleted and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
My rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am writing to formally request verification of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I would like to bring to your attention that I am a victim of identity theft, and this account was opened online without my consent. To verify this claim, please provide the following information : XXXX. * * The amount of the debt : * * A detailed summary of the total amount, including any interest, fees, or other charges applied. XXXX. * * The name of the original creditor : * * The name and address of the original company or entity to whom the debt was originally owed. XXXX. * * Account information : * * The account number associated with the debt, along with any other relevant details to help me identify this account. XXXX. * * Proof of my responsibility : * * Any documentation that illustrates my liability for this debt, including a signed contract or agreement. XXXX. * * Details of the investigation : * * A summary of your investigation into my claim of identity theft, including any supporting documentation. XXXX. A fair investigation of any claim made against me, especially in the context of identity theft. XXXX. The cessation of any collection activities if the debt is disputed. Given the circumstances, I request that you cease all collection efforts related to this account immediately, and remove any entries pertaining to this account from my credit report. Failure to address this matter appropriately will necessitate further action, including but not limited to filing a complaint with the Federal Trade Commission and my state attorney general 's office

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital has been harassing me I have reported them here before the case is in the cfpb and they stopped, they are now being harassing again and threatening to ruin my credit, XXXX a XXXX veteran limited income and am tired of harassed!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I wrote a check to my niece, XXXX XXXX for {$5000.00} from my XXXX XXXX XXXX checking account. Please note that this complaint is not about XXXX XXXX XXXX. The check number is XXXX. On XX/XX/year>, the money was deducted from my XXXX XXXX XXXX account by Truist. However, Truist did not deposit the money into my niece 's account. My niece has called them and went to the branch at least 10 times and I called them twice with her. I spoke to XXXX XXXX and the branch manager. They told me over 3 weeks ago that the check was flagged for fraud. I don't know why it was marked for fraud. I explained that I wrote the check. I don't know why they would deduct the money from my account if it was flagged for fraud. They have the money right now. If anyone is being fraudulent, it is them. Moreover, they never issued a check to XXXX for the balance of money in her account when she closed her account. The bank owes XXXX approximately {$5300.00} - {$5000.00} ( the check from me ) and {$300.00} from the balance in her account. Please assist us in recovering this money

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 2026-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
I am filing an escalation regarding my complaint against Toyota Motor Credit Corporation. Toyota requested additional time to respond to my complaint but has still failed to provide any documentary proof validating the balance they are reporting to the credit bureaus. This account continues to appear on my credit report as a {$17000.00} balance despite the fact that Toyota has not produced a single document verifying the accuracy of the debt. Instead, Toyota requested additional time while continuing to allow damaging information to remain on my credit profile. If Toyota can not provide verifiable documentation proving the accuracy of this account, then the continued reporting of this balance is negligent and potentially a violation of federal consumer protection laws. I am requesting that the CFPB require Toyota Motor Credit Corporation to either : 1. Provide complete documentary proof validating the account and balance being reported, OR 2. Immediately delete this account from all consumer reporting agencies. A company should not be permitted to continue reporting negative credit information while simultaneously failing to verify the accuracy of the account. If Toyota can not produce documentation validating the balance, then the account must be removed. I am requesting immediate regulatory review of Toyota Motor Credit Corporations reporting practices regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am filing this new complaint due to newly discovered servicing errors and a violation of " Dual Tracking '' prohibitions under 12 CFR 1024.41. .The Error : In XX/XX/XXXX, I was granted a forbearance. Rocket Mortgage miscommunicated the terms, leading to " missing payment '' reports in XX/XX/XXXX that damaged my credit scores. .New Fact - Pre-Approval & Denial : On XX/XX/XXXX, Rocket Mortgage pre-approved a three-month deferral to the end of the loan. However, on XX/XX/XXXX, they denied this pre-approved request, citing a " parallel '' processing conflict between the forbearance and the deferrala conflict created solely by Rockets internal systems. .The Crisis : Rocket is threatening to begin the foreclosure process on XX/XX/XXXX. Their representatives stated on XX/XX/XXXX that they will not even " re-open '' the deferral request until XX/XX/XXXX. .The Violation : Providing only six days between " re-opening '' a request and a foreclosure deadline is a failure to provide a meaningful opportunity for loss mitigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I'm guessing sometime and XXXX this account was open and my name but it was not by me. I have no way of proving it but my information was stolen from me. I have tried to dispute this multiple times to no avail so I will wait out this process because I can not pay something I know. The problem that I have I feel Comfortable letting this stay on my credit report but what I do not like is this company keep changing dates that the account was closed the first time it was supposedly closed was back in XXXX but now Im looking and the account was now closed on XX/XX/XXXX I do not believe a company should be allowed to keep switching dates around to try to hurt people which is exactly what they are doing this is fraud. they need to remove this from credit report immedaitely are stop commiting fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
Masserli Kramer garnished an amount greater than debt owed which was paid off already. I asked to provide documentation 2 and a half months ago and have not received any type of communication. I noticed this charge from XX/XX/XXXX that was processed in the amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: FB FINANCIAL CORPORATION
State: TN

Complaint narrative:
I purchased XXXX CD 's from First Bank in XXXX XXXX on XX/XX/XXXX ( one for {$2200.00} & the XXXX one for XXXX. The CD # 's are XXXX & XXXX. They have an APY of 1.55 % to be automatically renewed each year. The CD 's were for our children 's education. We put the CD 's in our safe deposit box and forgot about them. In XX/XX/XXXX we were going through the safe deposit box and found the CD 's. We contacted First Bank and were told that they could not find any information about the CD 's. Since then, I have made numerous calls ( < 10 ) to different individuals at First Bank ( XXXX XXXX XXXX XXXXXXXX XXXX ), all that either has been able to tell me is that they have changed their system and there is not any record of these CD 's. Since the CD 's are not in their system they must have been paid. I have asked for proof that the CD 's have been cashed in, the bank can not provide that information. I have the original documents so I know that we did not cash the CD 's in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Per RESPA I sent a letter requesting Select Portolio Servicing rights to collect payments from for the loan # XXXX Select Portfolio Servicing sent me the attached letter that does not show Select Portfolio Servicing is the owner of the loan, It does not show the transfer of rights from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, of which both are no longer in business. How did Select Portfolio Servicing get the rights to my loan and to collect payments from XXXXXXXX XXXX XXXXXXXX XXXX. Select Portfolio Servicing is not listed on the Title, Deed or loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Complaint : Unauthorized XXXX Transactions Truist Bank Refuses Reimbursement _ Claim Number, original XXXX and again a week ago XXXX Dear CFPB, On XX/XX/year>, I was scammed via XXXX from my Truist checking account. Five unauthorized transfers were made to an individual named XXXX XXXX. {$160.00} {$160.00} {$45.00} {$67.00} {$55.00} Total : {$490.00}. I reported all XXXX immediately on XXXX XXXX and received claim number XXXX. Truist reimbursed XXXX ( {$160.00}, {$45.00}, {$55.00} ) but denied the remaining two- {$160.00} and $ XXXX without explanation. Truist froze the account and restricted my access after the scam and later closed it but I talked them into keeping it open because I needed some paid receipts for IRS purposes. The account was still restricted, and money could no longer be withdrawn. I was basically locked out and could only assume they were continuing to work on the last two. Not long ago I got them to reopen it to use for my rental property income purposes and noticed this was never taken care of. Thats when I called the fraud department and they had me open a new claim XXXX. Then came a letter : past the date : no appeal, end of story. I reminded XXXX there in the Fraud department that it ties back to the original timely report he shrugged it off. This violated regulation E : I had sixty days to report unauthorized transfers, which I did right after it happened. They cant lock me out, then punish me for not having documents I couldnt access. Please investigate Truist for : Failing to investigate unauthorized transactions properly Denying reimbursement without cause Misleading me on appeal rights Thanks-this feels like theyre hiding behind timeframe excuses after causing the mess. Sincerely, ( Acct ending in XXXX ) 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 2026-03-06 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: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have been paying my mortgage to XXXX XXXX for over a year and a half, but I am now unable to access my account or reach a human representative. My loan number and Social Security number are both being rejected by their system, and I can not log in to view statements or manage my loan. Their phone system will not connect me to a person, and I have received no response to my email inquiries. Because of this, I can not currently make my payment online and feel I may be forced to send checks without any confirmation they are received. I am requesting that XXXX XXXX immediately restore access to my account and provide a way to contact a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

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