vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Validation of Debt Request - MONTEREY COLLECTION SV - 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am filing this complaint regarding a fraud claim that was denied by Navy Federal Credit Union. I was the victim of a sophisticated impersonation scam in which individuals spoofed Navy Federals official customer service phone number and falsely represented themselves as Navy Federal employees. On XX/XX/year>, I received a phone call that appeared on my phone as coming from Navy Federal Credit Unions official customer service number ( XXXX ). Because the caller ID displayed the legitimate Navy Federal number and my phone even labeled it as Navy Federal CU, I reasonably believed I was speaking directly with my financial institution. During the call, the individuals claimed there was suspicious activity involving my account and instructed me to take steps to secure the account. They used verification-style procedures that made the interaction appear legitimate and consistent with a normal fraud prevention call from a bank. Following their instructions, I was directed to send funds through XXXX XXXX as part of what I believed was a process to correct or reverse fraudulent activity on my account. At the time, I genuinely believed I was following instructions from Navy Federal Credit Union in order to protect my account. My debit card was never lost or stolen, and I did not knowingly authorize a payment to a scammer. The transaction occurred only because I was manipulated by individuals impersonating Navy Federal employees through caller ID spoofing. I have attached screenshots of my phone call log showing the incoming call from Navy Federal Credit Unions official number, which demonstrates how the scammers impersonated the bank and gained my trust. I reported the incident and filed a fraud claim with Navy Federal Credit Union as soon as I realized I had been deceived. However, my claim and subsequent appeal were denied on the basis that the transaction was considered authorized. I respectfully disagree with this determination because my authorization was obtained through deception and impersonation of my financial institution. Had I known I was not communicating with Navy Federal Credit Union, I would never have initiated the transaction. I am requesting that Navy Federal Credit Union review this matter again and reconsider my fraud claim, as the transaction occurred as a direct result of a bank impersonation scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

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 ) XXXX, 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 XX/XX/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 public response: Company believes it acted appropriately as authorized by contract or law
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: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had XXXX secured credit cards with capital one. I closed my accounts, they issued XXXX checks that I never received due to my being in a XXXX XXXX. I asked to have it reissued, they said no because it already cleared through third party. XXXX account is restricted and they will not release info. However I still have no money refunded and was told pretty much oh well. This is not consistent with FDIC laws or consumer law. Please help me in v addressing the fact that I lost out on XXXX, with not even a thank XXXX I spoke with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX between XXXX XXXX. Nothing is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Good day, ref to complaint id : XXXX at consumerfinance dot gov. This mortgage loan was reported to the credit bureaus for approximately XX/XX/XXXX months after closing. Shellpoint now claims that the loan is a Business Purpose Loan and refuses to report it to credit reporting agencies. This explanation contradicts the loan documentation. My Closing Disclosure clearly states : Purpose : Purchase Loan Type : Conventional Loan Term : XXXX fixed rate residential mortgage This loan was used to purchase my primary residence. If the loan were truly a business purpose loan, it would not have been reported to the credit bureaus for the first XX/XX/XXXX months. Please explain : Why the loan was previously reported to credit bureaus for over a year. Why Shellpoint is now classifying it as a business purpose loan. Whether the loan investor has changed reporting policies. Why reporting to credit bureaus was suddenly discontinued. I request that Shellpoint either restore normal credit reporting or provide documentation supporting the reclassification of the loan.

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 — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST FINANCIAL BANCORP
State: OH

Complaint narrative:
Complaint Regarding Incorrect Identity Association With My Phone Number I am filing a complaint regarding an issue with First Financial Bank in XXXX involving incorrect identity information associated with my phone number. When I call the bank using my phone number, their system identifies the caller as XXXX XXXX. I do not know this person and have no connection to them in any way. Because of this system error, the bank refuses to perform certain account services for me over the phone, such as placing travel notifications on my account. Instead, they require me to visit a branch in person. On XX/XX/year> at approximately XXXX PM, I visited the First Financial Bank branch located at XXXX XXXX XXXX in XXXX, XXXX to address this issue. I was informed by staff that their system shows my phone number as belonging to XXXX XXXX, and that they are unable to correct the issue. I have also called both the branch and the banks customer service line multiple times regarding this problem and received the same response. This situation raises serious concerns for me because : My phone number appears to be incorrectly associated with another individual in the banks system. This could potentially create privacy or security risks. I am being denied normal account services due to what appears to be a bank system error. Because a bank system appears to associate my personal contact information with another individual, I am concerned that this may represent a data accuracy or privacy compliance issue. I am requesting that the bank investigate and correct this issue, confirm that my phone number is not associated with any other customer account, and restore my ability to manage my account normally through their phone services. Thank you for your 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 explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm writing to make a formal complaint about my new interest rate effective on XX/XX/2026. I don't agree with the new interest rate for my XXXX ARM loan, and am requesting arbitration. I will also be making a formal complaint with CFPB ( Consumer Financial Protection Bureau ). The new interest rate is 6.375 %, and is supposed to be based on the XXXX XXXX XXXX %. Since the XXXX Index was replaced with XX/XX/XXXX( currently 3.41 % ), I don't agree with the current calculation, or the use of the USD XX/XX/XXXX Cash Fallback index in its place. Additionally, the interest rate was locked a month ago, and rates are still dropping. The new interest rate should be 5.75 % ( XX/XX/XXXX XXXXXX/XX/XXXX, rounded to the nearest XXXX XX/XX/XXXX ), and my monthly payment should be {$3000.00}. Please consider updating my interest rate and monthly payment.

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 — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My wife and I have a joint savings and checking account with Wells Fargo. We do not use this account regularly. It is more of a 'reserve ' account. We were keeping the minimum balance needed to avoid ridiculous fees. The amount that was required was a minimum balance of {$500.00}. The fee for below the minimum was $ XXXXmonth. During the months of XXXX, XXXX, XXXX and XX/XX/XXXX we were charged fees even though the balance was over {$500.00} and we had a recurring deposit going into the savings account. Suddenly in XXXX and XX/XX/XXXX we were charged $ XXXX/month. When we contacted the local Wells Fargo branch they informed us that the new minimum balance had increased to {$1500.00}! We do not recall receiving any notification of this change. We closed the account on XX/XX/XXXX and tried to get a refund of those fees but were informed that that was not possible because we had already been through this in XX/XX/XXXX where we had a refund of overcharged fees and were not eligible for a refund of fees because a year had not passed since the previous refund. If this isn't a ripoff nothing is!!! Wells Fargo is a XXXX XXXX organization that is squeezing fees out of consumers a dollar at a time! I know that we are only talking about {$70.00} in fees, but that is like a 14 % interest charge on {$500.00} and a 5 % charge on {$1500.00}. Either way it is a RIPOFF and I want people to know that Wells Fargo is still up to their shenanigans!

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: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I am demanding a full investigation. This company is claiming that I opened a credit card with them, which I have never had a credit card with them ever! I have asked for a purchasers agreement or documentation regarding the card, which they have not provided to me. I have tried getting this resolved for years now!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Block, Inc.
State: TX

Complaint narrative:
I contacted Cash App on XX/XX/year> due to the fact I lost my phone. And my phone had my bank card Cash App card, and credit cards. I saw unauthorized transaction on cash app called and told them what happen and was told there was nothing they can until its transactions were completed now they are completed they cant refund me cause they say I dont comunicated but everytime they send email I respond right away. The amounts are {$1200.00} and {$370.00} and laon they took out for {$340.00}. I have done everything and they sent me an email that my case has been closed. Im a XXXX XXXX with a XXXX XXXX XXXX. I just want my money back it was my rent and XXXX needs money can you please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I am the borrower for the mortgage on my primary residence, which is serviced by XXXX XXXX XXXX XXXX. The property sustained hurricane damage and an insurance claim was filed. After dispute and mediation with the insurer, a settlement was reached and insurance proceeds were issued. All storm-related repairs have now been completed and documented. I have provided documentation of the completed repairs and inspections. I am currently holding an insurance proceeds check issued by the insurer in the amount of approximately {$120000.00} that is payable jointly to the borrower and Rushmore. For several months I have been attempting to obtain instructions from XXXX regarding the processing of the insurance proceeds and confirmation that a Loss Draft file has been opened. I have repeatedly contacted XXXX and was advised that communications must go through foreclosure counsel, XXXX XXXX XXXX XXXX . I have also emailed XXXX XXXX multiple times requesting status updates. Despite these repeated attempts over a period of several months, I have not received any substantive response confirming whether the Loss Draft file has been opened, whether the repair documentation has been received and logged, or what steps are required to endorse and process the insurance proceeds. This delay is creating hardship because the repairs have already been completed and paid for, and I need guidance on how the insurance funds will be processed. I remain fully cooperative and am also currently pursuing loss mitigation review with the servicer. I am requesting that XXXX provide clear instructions regarding the processing of the insurance proceeds and confirm the status of the Loss Draft file so that the funds can be properly endorsed and reconciled.

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 — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
Hello my name is XXXX XXXX I opened an account with XXXX ( account # XXXX on XX/XX/XXXX. The amount of the Line of credit XXXX During this time I borrowed from the line of credit XXXX. I was on a schedule Bi-weekly payment of XXXX. I have been making payments on time Bi-weekly since XXXX, XXXX, XXXX up till XX/XX/XXXX the amount of that payment was XXXX. On XX/XX/XXXX I made a payment of XXXX towards the PRINCIPAL. My next scheduled payment is not due until XX/XX/XXXX. According the contract AND XXXX website stating " early other payments may be made as long as it was made TWO days prior to the next due date, which I was certainly ahead of the next XX/XX/XXXX due date. Upon calling and speaking to a XXXX representative to confirm the XXXX principal payment was made and reflected, I was told that only XXXX was towards principal and XXXX was for interest. I was advised that I could only make an early payment two weeks before the next scheduled due date, which is absurd considering my scheduled payments are Bi-weekly..! XXXX is practicing deceptive, usury practices and are not allowing early principal payments to be made. They gave me the round around and have not helped to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OR

Complaint narrative:
Today XXXX I received a call from my daughter saying she can't transfer funds to our other US BANKaccount/student account from our main account. They told her there was an internet issue, she had to call in and not be able to go to work because of lack of money, no transfers allowed on the screen. I went directly to the bank at lunch and they gave me aphone number to call their Fraud department. The Fraud department said sorry for the inconvience but you violated our agreement we are closing your account and sending a check int he mail, They locked my account I have no access and no information. I have not committed any fraud. My email was hacked about a month ago though so not sure what is happening or going on, I am high and dry not XXXX XXXX to my name. I am getting an attorney, I had to call my mom to mail me some money. IN TEARS RIGHT NOW because I am so embarressed. Please help us! I have not done anything wrong and they won't tell me why this is happening!

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: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Upstart Holdings, Inc.
State: MN

Complaint narrative:
I have received daily, sometimes more than once a day, robo calls from Upstart for more than six months!! They leave messages every time, and clog my voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Olympic Collection Inc.
State: OR

Complaint narrative:
This complaint follows three prior complaints regarding this account. Despite those filings, the core validation issues remain unresolved. In their most recent response, the collection agency stated that there was a correction to the providers invoice and that the provider indicated the corrected invoice reflects the correct amount and date of service. The alleged date and amount changed after my dispute, and the balance has not been presented consistently. Account records have reflected inconsistent identifying information, including variations in the spelling of my name, further calling into question the accuracy and reliability of the records being relied upon to continue collection. I requested documentary validation, including : Original and corrected invoices Invoice generation dates Contemporaneous billing records Itemized calculation of any patient responsibility from the insurers XXXX Documentation supporting the revised date of service Explanation for the date and amount changes These requests were not substantively addressed. Instead, the agency relied solely on the providers statement that the corrected invoice is accurate and stated it will continue collection . The insurers XXXX assigns zero patient responsibility. Continuing collection after multiple disputes and complaints, without providing documentary support for a materially altered and inconsistently stated debt, raises serious compliance concerns under applicable federal and state debt collection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I opened a XXXX XXXX credit card in store in XX/XX/XXXX through Comenity Bank in order to receive a promotional discount. I never received a physical credit card or any billing statements in the mail. Because I had not received any statements or a card, I called XX/XX/XXXX to pay balance due. At that time I was told my balance and I paid the amount in full over the phone with a representative. Last night XX/XX/XXXX, I received a call from Comenity Bank stating that I now owe approximately $ XXXX in fees. When I contacted them today, I was told that a {$2.00} statement fee posted two days after my XXXX payment. Because I was never notified of this fee and never received any statements, late fees and interest were added. I have never received the credit card, never received a statement, and had no way to know about this fee. I paid my balance in full when I called. I am requesting that all fees and interest be removed and that the account be closed with no negative reporting to my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NE

Complaint narrative:
My loans were with Nelnet. I was paying minimum payments over 10+ years, had to take a forbearance due to loss of income a few times, and eventually started paying back minimum plus additional towards principal but my balance never went down. Eventually I refinanced it through a private lender and was able to pay it off in less than 5 years. I feel that Nelnet used interest rates and terms to unfairly profit off of my loan making it impossible to pay off.

Company response to consumer: Closed with explanation