vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Rocket Mortgage, LLC
State: MI

Complaint narrative:
I OWN AND LIVE IN PROPERTY : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. AFTER ASKING ROCKET MORTGAGE FOR PROOF OF INTEREST IN MY PROPERTY TO SEND BILLING STATEMENTS FOR A LOAN THAT I FOUND OUT WAS " PAID OFF '' IN XX/XX/XXXX AS RECORDED ON MY CREDIT REPORT BY XXXX XXXX, ( FORMER SERVICER ) AND STILL ON THE " MERS '' DOCUMENT AS THE " CURRENT SERVICER ''. IASKED ROCKET MORTGAGE HOW CAN THEY BE MY CURRENT SERVICER WHEN MERS SHOWS XXXX XXXX AS CURRENT SERVICER AND GOT NO PROPER RESPONSE AS ASKED. AFTER I ASKED XXXX XXXX XXXX FOR ALL CLOSING DOCUMENTS ON MY ALLEDGED REFINANCE IN XX/XX/XXXX XXXX SENT DOCUMENTS SHOWING MY LOAN WAS PAID IN FULL BY " XXXX XXXX XXXX '' WHICH " IS NOT LISTED ON MY PROMISSORY NOTE OR MORTGAGE AS THE ORIGINAL LENDER/ CEDITOR ''. I NEVER RECIEVED ANY LOAN FROM XXXX AND NOW I KNOW " XXXX MORTGAGE XXXX XXXX XXXX DID NOT " FUND THE REFINANCE '' AS THE PAYOFF CONFIRMATION SHOWS " XXXX AS THE " ORIGINATOR '' OR FUNDING SOURCE '', AND NOT XXXX MORTGAGE. ROCKET MORTGAGE HAS NEVER SHOWN ANY TRANSFERS, ASSIGNMENTS PROOF THEY PURCHASED MY ALLEDGED LOAN. THEY HAVE MERE COPIES OF MORTGAGE DOCUMENTS I ALREADY HAVE. BILLING ME WITHOUT ANY PROOF TO SEND ANY BILLING STATEMENTS AND COLLECT PAYMENTS ON A ALLEDGED LOAN THAT SHOWS IT'S ALREADY PAID OFF, SATISFIED AND RECORDED IN XXXX XXXX REGISTER OF DEEDS OFFICE AND HAS BEEN FILED ON MY CREDIT REPORT AS " ACCOUNT CLOSE '' XXXX TO " XXXX ''. XXXX SENT A EMAILSTATING " THEY NO LONGER HAVE A INTEREST IN MY MORTGAGE LOAN AND PROPERTY, SENT XX/XX/XXXX. I HAVE THE " WIRE OUT OF XXXX ( XXXX ) WHICH IS ACCOUNT NUMBER ATTACHED TO XXXXXXXX XXXX XXXX XXXX ACCOUNT. AND ALL BANKS INVOLVED IN THIS PAYOFF WIRE CONFIRMATION, AND ROUTINGNUMBER ATTACHED. ( ORG ) STANDING FOR " ORIGINATOR OF FUNDING '' IS CLEARLY ON THIS MONEY WIRE CONFIRMATION DATED XX/XX/XXXX AT XXXX XXXX. ROCKET NEEDS TO PRODUCE THESE DOCUMENTS I HAVE ASKED FOR. SINCE THEY HAVE WRITTEN LETTERS ASKING FOR TIME IN THIS MATTER. THE XXXX XXXX REPORTING ON MY CREDIT REPORT OF MY ALEDGED LOAN BEING " SATISFIED, PAID OFF IS A " XXXX XXXX FURNISHING DONE BY ALL MORTGAGE SERVICERS WHEN REPORTING ACCURATE INFORMATION TO XXXX XXXX, XXXX, AND XXXX. SO THIS A FACTUAL ACCURATE REPORTING ON MY CREDIT REPORT, AND A " INCREASE OF MY CREDIT REPORT OF XXXX POINTS WAS RECORDED AND A XXXX CREDIT SCORE WAS RECORDED ALONG WITH THE SATISFACTION OF DEBT BEING PAID OFF. NO ONE HAS GIVEN A " ORIGINAL PROMISSORY NOTE, LEGAL ASSIGNMENTS AND TRANSFERS OF LOAN DOCUMENTS, PURCHASING OF SERVICING RIGHTS, CHAIN OF TITLE PSA ANYTHING TO PROVE STANDING OR ANY SECURED INTEREST INMY PROPERTY. I'VE ASKED ALL THESE COMPANIES SINCE XXXX FOR THIS PROOF OF " CONSIDERATION, ( PROOF OF ANY MONEY BEING LOANED TO ME ), ORIGINAL WET INK PROMISSORY NOTE, ALLONGES, TRANSFERS, ASSIGNMENTS, PROOF OF BEING THE SECURED CEDITOR/ LENDER. NO ONE HAS PROVEN THIS. LOAN NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: KY

Complaint narrative:
They have ruined my credit, by charging this account off and refusing my payment which I tried to pay the month it was due. I phoned them the next week again to try to pay it and that is when the regional manager charged off this account and it was not a 30 day account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account in the amount of {$1800.00} that is being reported on my credit report. 

I do not recognize this debt and have no knowledge of what this account is for, where it originated, or how the balance was calculated. The company is also charging interest on this alleged debt, yet I have never received any documentation showing that I agreed to interest charges or that they are legally authorized to apply interest. 

I have not been provided with a contract, original creditor information, account statements, or a full itemization of the amount being claimed. I do not know the original balance, the date of default, or how the total of {$1800.00} was determined. 

Without proper documentation, I can not verify the validity or accuracy of this account. Reporting an unverified and unexplained debt to the credit bureaus is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a XXXX XXXX  facing severe financial hardship due to Capital One 's inconsistent and flawed investigations into two separate merchant disputes. 

Cash App Dispute ( {$2200.00} ) : Between XXXX XXXX XXXX, XXXX unauthorized transactions were made via XXXX XXXX. Capital One approved one identical {$25.00} transaction but denied the remaining XXXX. Despite formal appeals, Capital One reversed {$2200.00} on XX/XX/year>, putting my account into a deep negative balance. 

XXXX XXXX XXXX ( {$470.00} ) : Capital One denied a dispute for an incorrect medication order, siding with a merchant that demanded an illegal return of prescription drugsa violation of 21 CFR 1317. Even after the merchant ( XXXX at XXXX XXXX ) admitted fault and promised a refund on XX/XX/year>, Capital XXXX still reversed the funds today, XX/XX/XXXX. 

Capital One has failed to conduct a " reasonable investigation '' under the Fair Credit Billing Act ( FCBA ) and failed to provide requested documentation used to deny these claims. I am requesting the immediate restoration of {$2700.00} to clear my negative balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Timeline of Dispute : Bank of America XXXX XXXX XXXX Fees XX/XX/XXXX : My contract with the merchant ( XXXX ) for the XXXX summer camp ended. 

XX/XX/XXXX & XX/XX/XXXX : XXXX continued to charge my card without authorization after the contract ended. 

Charge XXXX : {$330.00} ( XX/XX/XXXX ) Charge XXXX : {$330.00} ( XX/XX/XXXX ) XX/XX/XXXX : I filed XXXX separate disputes with Bank of America for these unauthorized charges. 

XXXX Claim ( resolved ) : Initially denied because BOA incorrectly categorized it as a " standard '' dispute ( XXXX limit ) instead of " Recurring Billing '' ( XXXX limit ). I called BOA to appeal the XXXX denial on XX/XX/XXXX. The agent admitted the error and " re-submitted '' the claim under the correct category. However, the bank system still marked it as " Completed/Closed ''. The merchant ( XXXX ) admitted their error and refunded the XXXX charge ( {$330.00} ) directly to my card on XX/XX/XXXX. 
Current Status : XXXX charge is resolved ( refunded by the merchant ). 

XXXX Claim ( Unresolved ) : BOA initially issued a provisional credit of {$330.00} on XX/XX/XXXX. 
Late XXXX / Early XX/XX/XXXX : BOA detected the merchant 's refund and erroneously flagged my XXXX claim as a " Duplicate Credit, '' removing my funds. The bank failed to realize there were XXXX separate charges ( XXXX & XXXX ). I called BOA again to explain this issue on XX/XX/XXXX. 

XX/XX/XXXX : I discovered that instead of correcting the " Duplicate Credit '' error for the XXXX Claim, BOA opened a new, unauthorized dispute against a completely different transaction : a {$200.00} deposit I paid to XXXX to secure my daughters spot for the XXXX summer camp. I had to manually cancel this claim on BOA 's website to save my daughter 's camp spot on XX/XX/XXXX. I did not ask to dispute this {$200.00} charge. By reversing this valid deposit, the bank has put my daughters enrollment for the upcoming summer at risk of cancellation. 

Summary : XX/XX/XXXX XXXX ( {$330.00} ) : Still unpaid ( Credit removed in error ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-12 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a charged-off account being reported by XXXX XXXX XXXX with the following details : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance Reported : {$3500.00} Account Status : Closed / CollectionChargeoff Remark : Consumer disputes after resolution Bureau Reporting : Equifax only Failure to Issue Required 1099-C ( Cancellation of Debt ) This account has been reported as a charge-off with a balance exceeding {$600.00}.

Under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1, a creditor is required to file and furnish IRS Form 1099-C when a debt of {$600.00} or more is canceled or discharged due to an identifiable event.

Despite reporting this account as charged off, I have not received a Form 1099-C, nor has Synchrony Bank / PPC provided written clarification as to whether this debt has been canceled, abandoned, or remains legally collectible.

A creditor can not report a debt as charged off and treated as a loss for accounting purposes while continuing to report it as an enforceable obligation without proper clarification and tax reporting compliance.

Inaccurate and Misleading Reporting ( FCRA Violations ) This account : Reports a charged-off balance Shows consumer disputes after resolution These inconsistencies and unresolved dispute coding are materially misleading and violate : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting inaccurate or misleading furnishing 15 U.S.C. 1681s-2 ( b ) requiring a reasonable investigation and correction upon dispute 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy Demand for Relief I demand that SYNCB / PPC : Delete this tradeline from ALL CREDIT REPORTING AGENCIES immediately due to inaccurate and misleading reporting

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 2026-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: MI

Complaint narrative:
Someone obtained my credit card information and is trying to make withdrawals from my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX applied an erroneous credit balance of thousands of dollars to my account, which prevented normal billing and payments. I contacted XXXX multiple times over several months and was eventually told by phone that the account would be corrected, closed, and the balance zeroed out. This correction never occurred. 

Without further notice, the account was sent to collections and reported by XXXX XXXX XXXX. On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau regarding this inaccurate and unfair collection. I provided official XXXX statements showing that the balance resulted from XXXX own internal billing error. 

As part of that CFPB complaint process, the collection account was removed from my credit report. However, the company stated it was waiting for documentation from XXXX and did not confirm that the matter was permanently closed or that the account would not be reassigned or resold. 

Despite this prior complaint and removal, in XX/XX/XXXX I began receiving new collection communications for the same alleged Windstream account, now from Credit Control , LLC on behalf of XXXX XXXX XXXX, for an amount of {$810.00}. The original creditor, balance, and underlying issue are the same as in the prior CFPB complaint. 

No valid debt verification has ever been provided, and the alleged balance originated from XXXX billing error. The account does not currently appear on my credit reports, yet collection attempts have resumed using a different collection agency. This appears to be a continuation of collection activity on a debt that was previously disputed and should have been resolved permanently.

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 2026-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Next Door Lending LLC
State: GA

Complaint narrative:
XX/XX/XXXX I applied for a cash out refinance FHA loan with Next Door Lending. ( The current anticipated closing date is XX/XX/XXXX We would also like to introduce you to your processor, XXXX XXXX is the main point of contact regarding anything to do with conditions needed to see your loan through closing. ) I was instructed to submit all of my creditors pay off settlement letters ( XXXX XXXX! Happy Monday! 

Please see below needed 1-9, it looks like a lot but it should be quick to get these to me today! Please please provide to me below! Appreciate you! 
XXXX advised me that your mortgage is being transferred? Please provide transfer letter so I can work on obtaining the payoff statement for us- XXXX XXXX payoff ( attached to this email shows this is due for XX/XX/XXXX and payoff is good through XX/XX/XXXX ), please obtain new payoff that is good through mid XXXX! 
Provide the most recent statement for XXXX XXXX XXXX when it is available ( the one attached to this email shows to XX/XX/XXXX ) Provide the most recent statement for XXXX XXXX when it is available ( the one attached to this email shows closing date of XX/XX/XXXX ) Provide the most recent statement for XXXX XXXX when it is available ( the one attached to this email shows closing date of XX/XX/XXXX ) Provide the most recent statement for XXXX XXXX when it is available ( the one attached to this email shows closing date of XX/XX/XXXX ) Provide the most recent statement foXXXX XXXX XXXX  XXXX when it is available ( the XXXX attached to this email shows period of XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX  Payoff for XXXX & XXXX is good until XX/XX/XXXX which is coming up- please obtain new payoff that is good for the next 20 days Payoff for XXXX XXXX XXXX XXXX XXXX XXXX good until XX/XX/XXXX which is expired- please obtain new payoff that is good for the next 20 days Kindly, file : XXXX I submitted all pay off letters to Nextdoor Lending. I was served a Judgement XX/XX/XXXX from XXXX & XXXX XXXX XXXX, XXXX for the amount of {$12000.00} because Next Door Lending didn't pay them. I wasn't aware of this until XX/XX/XXXX. Next door Lending offered to do another refinance with a co signer or I call XXXX XXXX XXXX, XXXX and set up a payment plan. Next Door Lending failed me by not paying this debt off in the refinance. I submitted all creditors settlement pay off letters to XXXX at Next Door Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
Jefferson Capital Systems is attempting to collect and report a debt originally from XXXX that they agreed to delete from my credit. 
This account was previously removed from my credit report twice. Once after being deemed time-barred by a third-party collection agency. Removed a second time after I submitted a complaint against Jefferson Capital. The company promised deletion to remove from my credit reports and stop all collection efforts. Jefferson Capital has now re-reported this debt multiple times on my report. Under the Fair Credit Reporting Act ( FCRA ), the credit bureau is required to : Notify you within 5 business days of reinsertion. Provide certification from the furnisher. The collection was reinserted without proper notification.

Once again I am requesting proof of the original date of first delinquency, proof of legal right to collect and report this debt, and immediate deletion of this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 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: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: TX

Complaint narrative:
The financial institution waited to until I received my first deposit/transfer to disclose the need for and to initiate a verification process. Wise sent an email with the subject " Incoming Payment Paused '' notification to complete verification advertising " Our checks usually take around 10 minutes. But they can take up to 2 days if we need some more information from you. '' I have contacted support multiple times and I am now being told the verification process " might go up to 10 working days '' and that they " aim to provide you a response within 15 calendar days. '' Transaction # XXXX Amount # XXXX USD The only update on the transfer states " Verifying your account. This can take up to 2 working days. We'll send your money as soon as we've finished. '' They continue to advertise and engage in practices that cause substantial injury to consumers or lack transparency. I am alarmed that I am unable to speak with a physical person who is holding my banking information, social security number, address, etc. of details regarding my identity. This is starting to feel like a fraudulent operation and a scam. I understand that there are regulations and verification is necessary. However, the practices do not coincide with general practices of financial institutions that disclose operational transparency. I have handing over personal and business documentation regarding a verification that I am not privy to while Wise holds onto my funds and are unable to provide me with a date of release.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
This mortgage account was paid off last year and is still showing open on my credit card report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/XXXX, at XXXXXXXX XXXX PayPal permanently limited my account and informed me that my remaining balance would be held for up to 180 days in accordance with the PayPal User Agreement. 

More than 180 days have now passed since the limitation was imposed. During this entire period, there have been no disputes, chargebacks, reversals, or claims associated with my account. 

As of today, my remaining PayPal balance is {$17000.00}. 

On XX/XX/XXXX, PayPal sent me an email stating that my account had been partially restored and that some limitations had been removed. However, despite this notification, I still can not withdraw my remaining balance. PayPal has not provided any clear explanation or legal basis for continuing to hold my funds. 

PayPals continued retention of my money after the expiration of the XXXX holding period and after partially removing limitations appears to be inconsistent with its User Agreement and constitutes an unfair practice toward the consumer. 

I contacted PayPal multiple times to request the release of my funds and the closure of my account, but I did not receive a satisfactory resolution. 

I am requesting the following resolution : Immediate release of my remaining account balance of {$17000.00}. 

Written confirmation of the total amount available for withdrawal. 

Formal closure of my PayPal account after all funds are withdrawn. 

A detailed written explanation of any legal or regulatory basis for continued retention of my funds. 

I respectfully request CFPB assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NY

Complaint narrative:
I filed multiple disputes with Chime which they go through XXXX XXXX, XXXX. and XXXX XXXX, XXXX. These first one back in XXXX of XXXX, then recently here in XX/XX/XXXX. They denied the first dispute that took them over XXXX  days. Then more unauthorized charges happened from the same places and different ones. There were over XXXX unauthorized charges and when I disputed them, it only took XXXX  days. They have not helped at all and have given no detail explanation. They also did not provide any security when money was just being taken out of my account within minutes. These charges have totaled over XXXX dollars. I also immediately had all my cards changed to protect myself.

Company response to consumer: Closed with explanation