vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: PR

Complaint narrative:
I have a veteran property tax exemption on my home. My mortgage company is still taking money in escrow. I have messaged them several times with confirmation from the tax department that I am exempt. I keep getting letters going back XXXX months that they are still conducting research.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Debt Collectors International, Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT UPDATE SUPPLEMENTAL EVIDENCE XX/XX/year> | XXXX XXXX XXXX XXXX XXXX XXXX This document provides supplemental evidence for update to the CFPB complaint previously filed against Debt Collectors International , Inc. ( XXXX ) regarding Claim # XXXX. New Evidence XXXX XXXX XXXX 1. XXXX Provided False Bond File Number to the XXXX In response to XXXX Complaint # XXXX, XXXX stated it has an active Texas surety bond with file number XXXX. A XXXX XXXX XXXX search on XX/XX/year> for that exact file number returned No items available. A search for Debt Collectors International , Inc. as principal also returned No items available. XXXX either fabricated this bond number or filed a bond after being exposed neither of which cures the violations that already occurred. 2. XXXX Operations Manager Threatened Complainant with Criminal Prosecution On XX/XX/year>, XXXX XXXX, XXXX Operations Manager, emailed XXXX XXXX accusing him of extortion under 18 U.S.C. 875 and threatening " actual prosecution '' for filing regulatory complaints. Reporting actual illegal conduct to authorities is constitutionally protected and can not constitute extortion. This threat was made to intimidate a complainant who had filed with state and federal agencies. 3. XXXX Blocked Complainant 's Email After Filing Complaints Following receipt of the regulatory complaint notifications, XXXX 's mail server blocked all email from XXXX with error 554 5.7.1. XXXX simultaneously maintains an active collection file while blocking the debtor 's communications contradicting the requirements of any good-faith dispute resolution process. 4. XXXX Committed in Writing to Cease Contact XXXX XXXX XXXX response states : " our office will no longer be contacting them. '' This is noted and preserved. Any further contact will be reported as a supplemental violation. 5. XXXX XXXX Defective Settlement Letter XX/XX/year> XXXX XXXX XXXX XXXXXXXX sent a settlement letter : ( a ) opening by fabricating a conversation that never occurred ; ( b ) demanding payment to XXXX XXXX own XXXX XXXX XXXX account rather than to the creditor XXXX XXXX XXXX ; ( c ) including an illegal threat paragraph ; and ( d ) imposing a three-day coercive deadline. This letter was rejected in full. XXXX XXXX XXXX / XXXX XXXX | XXXX XXXX XXXX | XXXX | XXXX Texas AG Complaint # XXXX | XXXX Complaint # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, late in the day, I noticed 5 separate XXXX transactions in my business account, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, from 2 people I did not know and called the fraud department. I was advised that because the transactions were " pending '' they couldn't do anything and was told that once the transactions had posted, I could file a fraud claim with the bank, Regions. On Monday I went to the branch and again was told that because the transactions had not yet posted, I couldn't file a fraud dispute. The next day I went to the bank again because by now all 5 transactions had posted. I filed the fraud dispute and within a day or so, 1 of the 5 claims was reversed by XXXX and that matter was resolved. XXXX to XXXX To {$1000.00} However, 4 other transactions remained in the following amounts : XXXX XXXX {$500.00} XXXX XXXX {$500.00} XXXX XXXX {$1000.00} XXXXXXXX XXXX {$500.00} None of these transactions were done by me, none were authorized by me, and I had no knowledge of these transactions until my bank account was depleted. I appealed their decision, and was once again denied. I called the number referenced in their letter to " request documents they made their decision '' and was told there are no documents and that I AUTHORIZED THE TRANSACTIONS. When I asked what they had that showed I authorized anything, they said they didn't have anything. I have continued to escalate, with no results and I need my money back. It's a lot of money to me and it is not right that I have to prove I DIDN'T authorize the transactions, but the bank doesn't have to prove that I DID. Please help me.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this follow-up complaint in response to Capital Ones letter dated XX/XX/year>. Capital Ones response relies on the assertion that XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX applies only to voluntary account closures, and therefore does not apply in my case. However, Capital One has failed to cite any language in the statute that supports this interpretation. I respectfully request that Capital One identify the specific statutory provision that limits XXXX exclusively to voluntary account closures. The plain language of the law states that it applies when a credit card account or rewards program is modified, cancelled, closed or terminated. There is no distinction in the statute between voluntary and involuntary closures, nor is there any exception allowing an issuer to bypass the 90-day redemption requirement based on how the closure occurred. Absent such language, Capital Ones interpretation appears to be unsupported and inconsistent with both the text and intent of the law. In my case : Capital One unilaterally closed my account on XX/XX/year> I had accumulated approximately XXXX rewards miles Within weekswell before any 90-day period could runCapital One forced a redemption The redemption was converted into a check at approximately XXXX cents per mile, without my consent I was never given a meaningful opportunity to redeem, transfer, or otherwise use my rewards as permitted under the program Capital Ones position that the only option available after closure was a statement credit or check is also unsupported. The statute explicitly provides that the cardholder must be allowed to redeem, exchange, or otherwise use their points. A forced, restricted redemption at a reduced valuation does not satisfy this requirement. Furthermore, by forcing a below-market valuation and removing all redemption options, Capital One effectively : Modified the rewards program Reduced the value of my accumulated points Eliminated my ability to use the rewards as intended Each of these actions independently falls within the scope of 520-e.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> my computer was hacked. In seeing this happened, I called the bank immediately ( while they were still on the computer ). I wanted them to stop the payment, instead they did a claim and then denied me. But what happened to " stop '' payment? I called in so they could stop what was happening, maybe even catching them in the act. But that is not what happened, making it look like the bank is a co-conspirator. Actually, it still looks like that. They talk of wanting to stop crime and yet nothing gets done in this arena and now I am out {$3400.00}. We found out we were denied our claim on XX/XX/year>. ID number : 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 2026-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: MI

Complaint narrative:
I sold my home at XXXX XXXX XXXX XXXX XXXX Tx XXXX, XX/XX/year>. We initially planned to close on XX/XX/year>. All parties forgot that that date was/is a national holiday. In the mean time, Id set up to shut of water, sewage and electricity XXXX day after the closing in order to allow the new home owners, time to change the utilities over to their names. Each city department came out to shut down the utilities, which had to be postponed, due to the federal holiday. All services were then continued until the new closing date of XX/XX/year>. That same date, I contacted the city utilities, XXXX XXXX to discontinue the services XXXX day after closing. Ive been contacted by the utilities service concerning a bill, which they stated that they would review. This took place on XXXX occasions. Not only did I request to have the utilities stopped, I was moving to another state. XXXX XXXX has sent me a collection bill through a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AmeriHome Mortgage Company, LLC
State: PA

Complaint narrative:
I sent documentation to my mortgage company showing my XXXX veterans property tax exemption. They input the information as a homestead exemption and not VA exemption and requested documentation from my county tax assessment office showing a XXXX dollar amount for all taxes. I Never applied for nor is there any documentation at the county tax office for a homestead exemption but I was told that this information was verified although they would not state who verified it! I spoke to XXXX people at the mortgage company who told me they changed the information as far as the dollar amount of the taxes to zero and they would fix the issue which they havent done yet. Everytime I call someone different tells me that it shows a homestead exemption so no one had changed the information! They told me that it would take a few months to change the amount of my payments and refund my escrow money they are collecting, but I sent this paperwork to them in early XXXX. Review was opened for a couple of months and they didnt attempt to call me to verify the information about my exemption and instead input it as a homestead exemption to delay refunding my escrow payment and adjusting my monthly payments! The XXXX veterans tax exemption states that I am exempt from all property taxes and this is only reviewed every 5 years, was also given a letter from my tax office requesting they remove all taxes. I believe that this company is refusing to honor The XXXX veterans exemption because the lower payment lessens the amount of interest charged on my mortgage payment

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: ClarityPay, Inc.
State: FL

Complaint narrative:
I took a loan out with ClarityPay and paid my first payment on the due date. The following day I received two missed payment alerts. When I called to inquire as to why, since my account shows up to date and in good standing. The representative informed me that the only way to not get missed payment notifications was to sign up for autopay. Why should I be forced to sign up for autopay or pay early to ensure their system recognizes the payment? I feel as though this is misleading and deceptive to force people into autopay. The rep stated a second way for me to stop getting the texts and emails was to also opt out. That doesn't correct the issue. I spoke to the call center manager, and he explained that, yes, the system does not recognize due date payments and takes 24 hours to process, nor does the system recognize when you have made a payment. Is it okay for a system to not recognize payments due on the date, forcing consumers into autopay or to make early payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
So I was using cash app for a few years as in over XXXX i was a green member means best standards they tell me I have fraud on my account i say how and please provide me wit the information I appealed it they asked wat I use my account for I told them to send family money and to purchase items nothing else and all they told me was there is nothing they can do but if someone tampered wit my account shouldnt u proved that information it has caused me to miss XXXX days of work because I depend on app I borrow and pay back before time never missed a payment i honestly dont agree wit how they dismissed an important matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My debitcard dispute for a XXXX XXXX pointofsale transaction was filed on XX/XX/year>. The 45day investigation period under Regulation E expired weeks ago, and I have not received a final decision or written explanation. A denial after this deadline would appear to violate federal errorresolution timelines. Please immediately confirm that this dispute is being resolved in my favor and when the full amount will be credited to my account.

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 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: KY

Complaint narrative:
Weltmam, weiner and reis co lpa XXXX XXXX XXXX XXXX XXXXs garnishing my wages for a XXXX credit card. I asked for a breakdown via email, did not receive. I also have been enrolled in a debt management program and they tried reaching oit to Weltman for a resolution to which they were ignored. I do not own the amount they are tarnishing my wages for. I have XXXX children and a single mom and I feel as though they are illegally taking from my check. I got no opportunity to dispute the debt and received notification breakdown of the amount owed or any indication they were going to garnished my wages. Their practice and debt collection activities need to be looked into. Im also filing a complaint with the FTC into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial account is paid on XX/XX/year>. Please delete. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
I submitted a dispute regarding a collection account and requested the method of verification after the account was reported as verified. XXXX failed to provide the required information under FCRA 1681i, including the name of the furnisher contacted, the method of communication, or any description of documents reviewed. Instead, they sent a generic description of their dispute process, which does not satisfy their legal obligation to provide the method of verification. Additionally, Portfolio Recovery Associates verified the account without providing sufficient validation or evidence establishing liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent a transfer of {$990.00} USD on XX/XX/year> via MoneyGram ( XXXX XXXX XXXXXXXX ) to a bank account in XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The transfer status shows Sent, but the recipient bank can not locate the funds and the money has not been credited. I contacted MoneyGram multiple times and opened XXXX XXXX XXXXXXXX, but I am only being told to wait up to 21 days without any confirmation of where the funds are. I am requesting immediate confirmation of the transfer status, including whether the receiving bank accepted or rejected the funds, and a prompt resolution ( either deposit to the recipient account or full refund ). This delay is unacceptable for an international money transfer, and I am requesting urgent action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I filing complaint regarding the inaccurate reporting of a charge off on my credit report by Hyundai motor finance. my vehicle was declare total loss following on accident i had on XX/XX/XXXX XXXX my primary insurance and GAP processed the claim ; How ever, a remaining balance of XXXX dollars was left. I was never properly notified nor i did received any delinquency notices or communication indicating that my account was past due or at risk of being charge off. the first time I became aware of this balance was when Hyundai Motor Finance contacted me on XXXX XX/XX/year>. I immediately paid the balance in full. Despite this Hyundai Motor Finance reported my account as charge off to the credit bureaus which significantly damaged my credit score, I have since contacted the company multiple times and summited written request, including a goodwill adjustment request but they refused to correct or update the reporting. I was never provided notice of delinquency prior to the charge off. The balance resulted from the insurance/Gap shortfall after a total loss, not missed intentional payments, I paid the balance immediately upon first notification. Reporting this as charge off is unfair and does not accurately reflect my payment behavior. the account number is # 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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: FL

Complaint narrative:
I signed up for a new account bonus. open the account and deposit {$400.00} and receive {$100.00}. I deposited {$400.00}. They told me multiple times i qualified and then never sent the bonus. XXXX says there are many such complaints.

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 2026-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, my mortgage was transferred to Valon by XXXX XXXX XXXX XXXX. I have been paying into escrow for taxes and insurance. My homeowners ' insurance is due XX/XX/XXXX, and neither mortgage lender has paid it. ( see attached ). The XXXX XXXX XXXX escrow analysis dated XXXX shows a balance of {$1800.00} being dispersed ( I think this means it went to Valon ). The Valon escrow analysis dated XX/XX/XXXX shows an overage of the amount of the original homeowners policy cost that they want to send back to me, and I have to wait 14 days for it to arrive. ( it went up in price so it is now {$1800.00} ) I am now basically paying my homeowners ' insurance twice due to these XXXX companies not paying it out of what they collected. I spoke with a woman at Valon who supposedly started a trouble ticket but I have not recieved anything from them. She was rep number XXXX on XX/XX/XXXX. This has taken hours of my time to figure out and totally ridiculous that no one can read the escrow account and see that they need to pay it.

Company response to consumer: Closed with explanation